secwatch.observer — SEC 8-K summary
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Issuer:     Bancorp, Inc. (TBBK)
CIK:        0001295401
Form:       8-K
Filed at:   2025-01-30T23:59:59+00:00
Accession:  0002039852-25-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1295401/000203985225000008/0002039852-25-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1295401/000203985225000008/bancorp8k.htm
  HTML page:      https://secwatch.observer/filing/0002039852-25-000008

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer