---
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"
generated_at: "2026-05-27T05:10:14.687051+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002039852-25-000008
- JSON: https://secwatch.observer/filing/0002039852-25-000008.json
- Plain text: https://secwatch.observer/filing/0002039852-25-000008.txt

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