---
schema_version: "secwatch.filing_event.v1"
accession: "0000950159-22-000218"
form_type: "8-K"
ticker: "TBBK"
cik: "0001295401"
company_name: "Bancorp, Inc."
filed_at: "2022-10-27T23:59:59+00:00"
generated_at: "2026-06-22T23:43:29.222750+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Bancorp Q3 EPS $0.54; issues 2023 preliminary EPS guidance of $3.20

## Summary
- Q3 2022 net income $30.6M ($0.54 diluted EPS) vs $28.3M ($0.48) in Q3 2021.
- Net interest margin expanded to 3.69% from 3.35% a year ago; net interest income up 27% to $64.7M.
- 2022 EPS guidance reiterated at $2.25-$2.30; preliminary 2023 EPS guidance of $3.20 (40% increase).
- Board approved new $25M per quarter share repurchase program for 2023, replacing prior $15M quarterly plan.
- GDV on prepaid/debit cards grew 15% YoY to $28.12B; payment fees up 6% to $21.4M.

## SEC filing metadata
- accession: 0000950159-22-000218
- form_type: 8-K
- ticker: TBBK
- cik: 0001295401
- company_name: Bancorp, Inc.
- filed_at: 2022-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1295401/000095015922000218/0000950159-22-000218-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1295401/000095015922000218/tbbk8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950159-22-000218
- JSON: https://secwatch.observer/filing/0000950159-22-000218.json
- Plain text: https://secwatch.observer/filing/0000950159-22-000218.txt

## Key facts
- Earnings Releases
  Bancorp, Inc. reported 2022 results: EPS $2.25 to $2.30. Guidance reaffirmed.
  - Period: 2022
  - EPS: $2.25 to $2.30
  - Guidance: reaffirmed
  - Result: guidance update
  source text: We also reiterate $2.25 to $2.30 guidance for 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1295401/000095015922000218/0000950159-22-000218-index.htm
- Earnings Releases
  Bancorp, Inc. updated its the three and nine months ended September 30, 2022 guidance (raised).
  - Period: the three and nine months ended September 30, 2022
  - Guidance: raised
  - Result: reported results
  source text: On October 27, 2022, The Bancorp, Inc. (the "Company") issued a press release regarding its earnings for the three and nine months ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1295401/000095015922000218/0000950159-22-000218-index.htm
- Earnings Releases
  Bancorp, Inc. reported 2023 results: EPS $3.20 per share. Guidance initiated.
  - Period: 2023
  - EPS: $3.20 per share
  - Guidance: initiated
  - Result: preliminary results
  source text: We are issuing preliminary guidance for 2023 of $3.20 per share excluding the net impact of future share buybacks but including the expected impact of rate increases based on fed funds futures.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1295401/000095015922000218/0000950159-22-000218-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.