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Financials · TBBK

The Bancorp Inc (TBBK) financials

For the twelve months ended Sep 30, 2026, The Bancorp Inc reported $673.34M of revenue and $239.80M of net income.

Revenue, TTM
$673.34M
Revenue growth, YoY
-2.5%
Net income, TTM
$239.80M
Net income growth, YoY
+5.3%
Net margin
35.6%
Free cash flow, TTM
$207.12M
EPS, diluted, TTM
$5.67
EPS growth, YoY
+18.6%
Cash
$88.36M
P/E
8.29
P/S
2.95
Market cap
$1.99B
Annual revenue$703.84M
FY2016FY2025
Annual net income$228.21M
FY2016FY2025
Annual free cash flow$257.92M
FY2016FY2025

TBBK revenue and earnings growth

TBBK revenueQ3 2026$175.88M

Quarter YoY
+0.7%
QoQ
+7.6%
FY YoY
+31.9%
5Y CAGR
+20.3%
10Y CAGR
+13.2%

TBBK revenue was $175.88M in fiscal Q3 2026 (ended Sep 30, 2026), up 0.7% from a year earlier and up 7.6% from the prior quarter. For the full fiscal 2025 it was $703.84M, up 31.9% from fiscal 2024. Compound annual growth was +20.3% over 5 years and +13.2% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

TBBK net incomeQ3 2026$62.78M

Quarter YoY
+14.3%
QoQ
+3.5%
FY YoY
+4.9%
5Y CAGR
+23.3%
10Y CAGR
+32.7%

TBBK net income was $62.78M in fiscal Q3 2026 (ended Sep 30, 2026), up 14.3% from a year earlier and up 3.5% from the prior quarter. For the full fiscal 2025 it was $228.21M, up 4.9% from fiscal 2024. Compound annual growth was +23.3% over 5 years and +32.7% over 10 years. It rose in 7 of the last 8 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

TBBK EPSQ3 2026$1.53

Quarter YoY
+29.7%
QoQ
+5.5%
FY YoY
+14.7%
5Y CAGR
+29.1%
10Y CAGR
+30.3%

TBBK diluted EPS was $1.53 in fiscal Q3 2026 (ended Sep 30, 2026), up 29.7% from a year earlier and up 5.5% from the prior quarter. For the full fiscal 2025 it was $4.92, up 14.7% from fiscal 2024. Compound annual growth was +29.1% over 5 years and +30.3% over 10 years.

TBBK free cash flowQ3 2026$24.36M

Quarter YoY
-51.8%
QoQ
-29.2%
FY YoY
+25.9%
5Y CAGR
+17.1%

TBBK free cash flow was $24.36M in fiscal Q3 2026 (ended Sep 30, 2026), down 51.8% from a year earlier and down 29.2% from the prior quarter. For the full fiscal 2025 it was $257.92M, up 25.9% from fiscal 2024. Compound annual growth was +17.1% over 5 years. It rose in 5 of the last 6 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$703.84M$533.75M$466.15M$354.52M$315.63M$279.48M$245.41M$274.64M$198.23M$132.45M
Cost of revenue------$81.0K$117.0K$170.0K$1.04M
Gross profit------$245.33M$274.53M$198.06M$131.41M
Interest expense--$155.46M$59.45M$11.24M$15.92M$38.28M$27.11M$15.34M$12.25M
Pre-tax income$303.04M$292.16M$256.77M$177.91M$144.16M$108.28M$72.49M$119.78M$40.39M-$69.48M
Income tax$74.82M$74.62M$64.48M$47.70M$33.72M$27.69M$21.23M$32.24M$23.06M-$12.66M
Net income$228.21M$217.54M$192.30M$130.21M$110.65M$80.08M$51.56M$88.68M$21.67M-$96.49M
EPS, basic$4.99$4.35$3.52$2.30$1.93$1.39$0.91$1.57$0.39-$2.17
EPS, diluted$4.92$4.29$3.49$2.27$1.88$1.37$0.90$1.55$0.39-$2.17
Diluted shares46.4M50.7M55.1M57.3M58.8M58.4M57.3M57.1M56.2M44.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$112.65M$570.12M$1.04B$888.19M$601.78M$345.51M$944.47M$554.30M$908.93M$999.06M
Goodwill$263.0K$263.0K$263.0K$263.0K$263.0K-----
Total assets$9.35B$8.73B$7.71B$7.90B$6.84B$6.28B$5.66B$4.44B$4.71B$4.86B
Short-term debt$199.00M$0$0$0$0$0$0$0$0-
Total debt-$14.10M$38.60M$10.00M$39.50M$40.30M$41.00M$41.67M$42.32M$263.10M
Total liabilities$8.66B$7.94B$6.90B$7.21B$6.19B$5.70B$5.17B$4.03B$4.38B$4.56B
Shareholders' equity$689.80M$789.78M$807.28M$694.03M$652.45M$581.16M$484.50M$406.78M$324.15M$298.96M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$265.01M$209.91M$186.85M$119.61M$83.89M$120.69M$66.88M-$173.96M-$28.09M-$161.97M
Capital expenditures$7.09M$4.97M$12.69M$5.13M$1.55M$3.74M$2.01M$2.38M$515.0K$8.02M
Free cash flow$257.92M$204.94M$174.16M$114.48M$82.34M$116.95M$64.87M-$176.34M-$28.61M-$170.00M
Investing cash flow-$1.06B-$1.49B$415.42M-$826.73M-$305.90M-$1.23B-$793.27M$84.47M-$84.31M-$154.94M
Financing cash flow$341.70M$812.74M-$452.37M$993.52M$478.28M$509.02M$1.12B-$265.14M$22.28M$160.81M
Share repurchases$378.34M$252.35M$100.00M$60.00M$40.00M-----
Stock-based compensation$19.60M$14.98M$11.39M$7.59M$8.63M$6.43M$5.69M$3.45M$3.25M$2.76M
Depreciation and amortization--$3.47M$3.30M$3.30M$3.76M$5.23M$5.53M$5.98M$6.38M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY31.9%14.5%31.5%12.3%12.9%13.9%-10.6%38.5%49.7%-34.8%
Net income growth, YoY4.9%13.1%47.7%17.7%38.2%55.3%-41.9%309.2%--
EPS growth, YoY14.7%22.9%53.7%20.7%37.2%52.2%-41.9%297.4%--
Gross margin------100.0%100.0%99.9%99.2%
Net margin32.4%40.8%41.3%36.7%35.1%28.7%21.0%32.3%10.9%-72.9%
Free cash flow margin36.6%38.4%37.4%32.3%26.1%41.8%26.4%-64.2%-14.4%-128.3%
Return on equity33.1%27.5%23.8%18.8%17.0%13.8%10.6%21.8%6.7%-32.3%
Return on assets2.4%2.5%2.5%1.6%1.6%1.3%0.9%2.0%0.5%-2.0%
Debt to equity-0.020.050.010.060.070.080.100.130.88

Source: XBRL data The Bancorp Inc files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

TBBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
TBBK$673.34M-2.5%$239.80M35.6%$1.99B
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

TBBK FAQ

8 questions
  • What is TBBK revenue?
    The Bancorp Inc (TBBK) reported $673.34M of revenue for the twelve months ended Sep 30, 2026. That is down 2.5% from the year before. Revenue for fiscal 2025 was $703.84M.
  • Is TBBK profitable?
    Yes. The Bancorp Inc earned $239.80M in net income for the twelve months ended Sep 30, 2026, a net margin of 35.6%.
  • How much cash and debt does TBBK have?
    The Bancorp Inc reported $88.36M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is TBBK revenue growing?
    The Bancorp Inc's revenue changed +31.9% in fiscal 2025, to $703.84M. Its compound annual growth rate was +20.3% over 5 years and +13.2% over 10 years.
  • What is TBBK free cash flow?
    The Bancorp Inc generated $207.12M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $213.64M less capital expenditures.
  • What is TBBK earnings per share?
    Diluted earnings per share were $5.67 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did TBBK last report financial results?
    The latest statements here come from The Bancorp Inc's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this TBBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data The Bancorp Inc files with the SEC. It is provided for information only and is not investment advice.