{"schema_version":"secwatch.filing_event.v1","accession":"0002039852-25-000008","form_type":"8-K","ticker":"TBBK","cik":"0001295401","company_name":"Bancorp, Inc.","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.236053+00:00","generated_at":"2026-05-27T05:10:14.687051+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Bancorp Q4 net income $55.9M, EPS $1.15 up 42% YoY; guides FY2025 EPS $5.25","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0002039852-25-000008","json":"https://secwatch.observer/filing/0002039852-25-000008.json","markdown":"https://secwatch.observer/filing/0002039852-25-000008.md","text":"https://secwatch.observer/filing/0002039852-25-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1295401/000203985225000008/0002039852-25-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1295401/000203985225000008/bancorp8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:10:14.687051+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}