earnings
confidence high
sentiment negative
materiality 0.75
Bancorp Q3 EPS $1.18 beats prior year; cuts 2025 guidance to $5.10, initiates 2027 target $8.25
Bancorp, Inc.
2025-Q3 EPS reported
$3.64
- Q3 net income $54.9M ($1.18 diluted EPS) vs $51.5M ($1.04) in Q3 2024, EPS up 13%.
- Net interest income $94.2M vs $93.7M; net interest margin 4.45% (2024: 4.78%); GDV $44.04B, up 16%.
- Management lowered 2025 EPS guidance to $5.10 from $5.25 citing lower traditional lending and higher credit provision.
- Initiated preliminary 2027 EPS guidance of $8.25; targeting $7.00 run-rate by Q4 2026.
- Repurchased 2.03M shares at avg $73.74 during Q3; shares outstanding down 8% YoY to 44.5M.