---
schema_version: "secwatch.filing_event.v1"
accession: "0000950159-24-000020"
form_type: "8-K"
ticker: "TBBK"
cik: "0001295401"
company_name: "Bancorp, Inc."
filed_at: "2024-01-25T23:59:59+00:00"
generated_at: "2026-06-06T17:53:02.901134+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Bancorp Q4 EPS $0.81 ($0.95 adjusted); guides 2024 EPS $4.25, plans $200M buyback

## Summary
- Net income Q4 $44M ($0.81 diluted); adjusted EPS $0.95 excluding $10M trust preferred charge.
- Net interest margin 5.26% vs 4.21% YoY; net interest income +20% to $92.2M.
- GDV on prepaid/debit cards +13% to $33.29B; payment fees +15% to $25.1M.
- Real estate bridge loans up 20% YoY to $2.0B; book value per share +22% to $15.17.
- 2024 EPS guidance $4.25; plans $200M share buyback ($50M/quarter) not included in guidance.

## SEC filing metadata
- accession: 0000950159-24-000020
- form_type: 8-K
- ticker: TBBK
- cik: 0001295401
- company_name: Bancorp, Inc.
- filed_at: 2024-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1295401/000095015924000020/0000950159-24-000020-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1295401/000095015924000020/bancorp8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950159-24-000020
- JSON: https://secwatch.observer/filing/0000950159-24-000020.json
- Plain text: https://secwatch.observer/filing/0000950159-24-000020.txt

## Key facts
- Earnings Releases
  Bancorp, Inc. reported fourth quarter and full year of 2023 results: net income net income of $44.0 million, EPS 0.81 per diluted share.
  - Period: fourth quarter and full year of 2023
  - Net income: net income of $44.0 million
  - EPS: 0.81 per diluted share
  - Result: reported results
  source text: The Bancorp reported net income of $44.0 million, or $0.81 per diluted share, for the quarter ended December 31, 2023, compared to net income of $40.2 million, or $0.71 per diluted share, for the quarter ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1295401/000095015924000020/0000950159-24-000020-index.htm
- Earnings Releases
  Bancorp, Inc. reported 2024 results: EPS 4.25 a share. Guidance reaffirmed.
  - Period: 2024
  - EPS: 4.25 a share
  - Guidance: reaffirmed
  - Result: guidance update
  source text: We are confirming 2024 guidance of $4.25 a share without including the impact of share buybacks of $200 million for the year, or $50 million a quarter.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1295401/000095015924000020/0000950159-24-000020-index.htm

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