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Bancorp, Inc.

TBBK · Financials

Last earnings Oct 29, 2026

Key results

Net incomequarter

$54.9 million

Highlights • The Bancorp reported net income of $54.9 million, or $1.18 per diluted share ( EPS ), for the quarter ended September 30, 2025, compared to net income of $51.5 million, or $1.04 per diluted share, for the quarter ended September 30, 2024, or an EPS increase of 13%.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

EPSquarter

$1.18

Highlights • The Bancorp reported net income of $54.9 million, or $1.18 per diluted share ( EPS ), for the quarter ended September 30, 2025, compared to net income of $51.5 million, or $1.04 per diluted share, for the quarter ended September 30, 2024, or an EPS increase of 13%.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

While net incomequarter

7%

While net income increased 7% between these periods, outstanding shares were reduced as a result of share repurchases as detailed below.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

AI analysis

Q3 2025 · reported Oct 30, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

EPS · Q3 2025
$1.18
EX-99 · Oct 30, 2025
Net income · Q3 2025
$54.9M
EX-99 · Oct 30, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$54.9 million$59.8 million—
EPS$1.18$1.27—
While net income7%$59.8 million—

EX-99 · Oct 30, 2025

Guidance · company-stated

EPS

“He also noted that We are lowering guidance from $5.25 to $5.10 earnings per share for 2025, primarily due to lower projected balances for our traditional lending businesses and an increased credit provision for leasing as a result of losses on the disposition of previously identified credits in trucking.”

EPS

“We are initiating preliminary guidance for 2027 of $8.25 earnings per share.”

Primary outlook statements conflict; no label forced — evidence preserved.

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

While net income7%

While net income increased 7% between these periods, outstanding shares were reduced as a result of share repurchases as detailed below.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Reports Third Quarter 2025 Financial Results Wilmington, DE October 30, 2025 The

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

EPS: “He also noted that We are lowering guidance from $5.25 to $5.10 earnings per share for 2025, primarily due to lower projected balances for our traditional lending businesses and an increased credit provision for leasing as a result of losses on the disposition of previously identified credits in trucking.”

EPS: “We are initiating preliminary guidance for 2027 of $8.25 earnings per share.”

EPS — Raised (“increased”)
“He also noted that We are lowering guidance from $5.25 to $5.10 earnings per share for 2025, primarily due to lower projected balances for our traditional lending businesses and an increased credit provision for leasing as a result of losses on the disposition of previously identified credits in trucking.”

EPS — Initiated (“initiating”)
“We are initiating preliminary guidance for 2027 of $8.25 earnings per share.”

Primary outlook statements conflict; no label forced — evidence preserved.

Capital allocation

While net income increased 7% between these periods, outstanding shares were reduced as a result of share repurchases as detailed below.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

• The Bancorp repurchased 2,034,053 shares of its common stock at an average cost of $73.74 per share during the quarter ended September 30, 2025.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

As a result of share repurchases, outstanding shares, net of treasury shares, at September 30, 2025 amounted to 44.5 million, compared to 48.2 million shares at September 30, 2024, or a reduction of 8%.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

We believe that our three major Fintech initiatives of credit sponsorship expansion, embedded finance platform development and new program implementations, plus platform efficiency and productivity gains from platform restructuring and new AI tools, and a continued high level of capital return through share buybacks, will contribute to earnings per share accretion.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Earnings per share gains are subject to uncertainty, particularly as it relates to the development and implementation timelines in Fintech, and our stock price for buybacks.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Forward-looking statements include, but are not limited to, statements regarding our anticipated 2025, 2026 and 2027 results, including earnings per share accretion, future growth, productivity and efficiency, the expansion, expected timelines and implementation of our Fintech initiatives, the possible benefits of our platform restructuring and adoption of AI tools, and share repurchases.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Strategy & priorities

We believe that our three major Fintech initiatives of credit sponsorship expansion, embedded finance platform development and new program implementations, plus platform efficiency and productivity gains from platform restructuring and new AI tools, and a continued high level of capital return through share buybacks, will contribute to earnings per share accretion.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Forward-looking statements include, but are not limited to, statements regarding our anticipated 2025, 2026 and 2027 results, including earnings per share accretion, future growth, productivity and efficiency, the expansion, expected timelines and implementation of our Fintech initiatives, the possible benefits of our platform restructuring and adoption of AI tools, and share repurchases.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Forward - looking statements include but are not limited to, statements regarding our anticipated 2025, 2026, and 2027 results, earnings per share accretion, future profitability and growth, share repurchases, our ability to achieve long - term financial targets, the expansion, expected timelines and implementation of our Fintech initiatives, the possible benefits of our platform restructuring, and adoption of AI tools .

SEC original ↗Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

2030 STRATEGY *Without competing with our partners 1 PROVIDE NEW FINTECH SERVICES 3 SUPPORT FINTECH LENDING 2 MONETIZE CORE COMPETENCIES Our 2030 plan comprises new opportunities identified across various strategic pathways: 1 Long term guidance assumes achievement of management s long - term strategic plan as described elsewhere in this presentation, imp act of realized and expected interest rate movement, and other budgetary goals.

SEC original ↗Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

TYPE DISTRIBUTION Diverse product mix Commercial mortgage and construction are generally originated with 50% - 60% LTV s GEOGRAPHIC DISTRIBUTION Diverse geographic mix Largest concentration in California representing 24% of total PORTFOLIO ATTRIBUTES 23 LOANS & LEASES: COMMERCIAL FLEET LEASING COMMERCIAL FLEET LEASING BUSINESS OVERVIEW: Niche provider of vehicle leasing solutions Focus on smaller fleets (less than 150 vehicles) Direct lessor (The Bancorp Bank, N.

SEC original ↗Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

Risks & headwinds

Earnings per share gains are subject to uncertainty, particularly as it relates to the development and implementation timelines in Fintech, and our stock price for buybacks.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Such forward-looking statements relate to our current assumptions, projections and expectations about our business and future events, including current expectations about important economic and political factors, among other factors, and are subject to risks and uncertainties, which could cause the actual results, events or achievements to differ materially from those set forth in or implied by the forward-looking statements and related assumptions.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Factors that could cause results to differ from those expressed in the forward-looking statements also include, but are not limited to the risks and uncertainties referenced or described in The Bancorp s filings with the Securities and Exchange Commission, including the Risk Factors and Management s Discussion and Analysis of Financial Condition and Results of Operations sections of the Company s Annual Report on Form 10-K/A, as amended, for the fiscal year ended December 31, 2024 and other documents that the Company files from time to time with the Securities and Exchange Commission.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

These forward - looking statements relate to our current assumptions, projections, and expectations about our business and future events, including current expectations about important economic and political factors, among other factors, and are subject to risks and uncertainties, which could cause the actual results, events, or achievements to differ materially from those set forth in or implied by the forward - looking statements and related assumptions.

SEC original ↗Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

Factors that could cause results to differ from those expressed in the forward - looking statements also include, but are not limited to, the risks and uncertainties referenced or described in The Bancorp s filings with the Securities and Exchange Commission, including the Risk Factors and Management s Discussion and Analysis of Financial Condition and Results of Operations sections of the Company s Annual Report on Form 10 - K, as amended, for the fiscal year ended December 31, 2024 and other documents that the Company files from time to time with the Securities and Exchange Commission.

SEC original ↗Bancorp, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 30, 2025

What changed vs prior quarter

Net income — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

While net income — prior quarter passage and this quarter's passage are both cited.

SEC original ↗Bancorp, Inc. — Earnings release (8-K exhibit)EX-99Oct 30, 2025

Documents

Earnings deck slides

0 decks with slide view

Bancorp, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Bancorp, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Bancorp, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Bancorp, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Bancorp, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

34 documents

Earnings releases

11 documents

Presentations

5 documents

Transcripts

0 documents

No transcripts for Bancorp, Inc. are held in this edition of the library.

Mentioned by

10 companies

Other tracked companies whose held documents mention Bancorp, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.