{"schema_version":"secwatch.filing_event.v1","accession":"0000950159-23-000223","form_type":"8-K","ticker":"TBBK","cik":"0001295401","company_name":"Bancorp, Inc.","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.502526+00:00","generated_at":"2026-06-12T23:51:33.625130+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Bancorp Q2 net income $49M, EPS $0.89 (+68% YoY); reaffirms $3.60 FY guidance","bullets":["Net income $49.0M ($0.89 diluted EPS) vs $30.4M ($0.53) in Q2 2022, a 68% EPS increase.","Net interest income rose 60% to $87.2M; net interest margin expanded to 4.83% from 3.17% a year ago.","ROA annualized 2.6% (vs 1.7%), ROE 27% (vs 19%); book value per share $13.74, up 19% YoY.","Gross dollar volume on prepaid/debit cards $32.78B, up 15% YoY; share repurchases 828,727 shares at ~$30.17 during Q2.","CEO Damian Kozlowski reaffirmed FY 2023 guidance of $3.60 EPS, excluding planned $25M quarterly share buybacks."],"urls":{"canonical":"https://secwatch.observer/filing/0000950159-23-000223","json":"https://secwatch.observer/filing/0000950159-23-000223.json","markdown":"https://secwatch.observer/filing/0000950159-23-000223.md","text":"https://secwatch.observer/filing/0000950159-23-000223.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1295401/000095015923000223/0000950159-23-000223-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1295401/000095015923000223/bancorp8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T23:51:33.625130+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"e5d811cd1ac1db70a18ddc90ce15ec06a47caf65","claim":"Bancorp, Inc. reported the quarter ended June 30, 2023 results: net income $49.0 million, EPS $0.89 per diluted share. Guidance reaffirmed.","evidence_excerpt":"The Bancorp reported net income of $49.0 million, or $0.89 per diluted share, for the quarter ended June 30, 2023, compared to net income of $30.4 million, or $0.53 per diluted share, for the quarter ended June 30, 2022, or a 68% increase in income per diluted share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1295401/000095015923000223/0000950159-23-000223-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"$49.0 million"},{"label":"EPS","value":"$0.89 per diluted share"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}