Bancorp Q4 net income $55.9M, EPS $1.15 up 42% YoY; guides FY2025 EPS $5.25

Bancorp, Inc.

2024-FY EPS reported $4.29 revenue$116,798,000

Q4 net income $55.9M ($1.15 diluted EPS) vs $44.0M ($0.81) a year ago; EPS +42%.
Net interest income $94.3M (+2% YoY); net interest margin 4.55% (vs 5.26% Q4 2023).
Prepaid/debit GDV rose 19% to $39.66B; payment fees up 16% to $29.2M.
Sold $82M REBL portfolio on Dec 31 without principal loss; substandard loans fell 14% to $134.4M.
Affirmed 2025 EPS guidance of $5.25; plans $150M of share buybacks in 2025.

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