{"schema_version":"secwatch.filing_event.v1","accession":"0002039852-25-000175","form_type":"8-K","ticker":"TBBK","cik":"0001295401","company_name":"Bancorp, Inc.","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.043694+00:00","generated_at":"2026-05-17T01:15:42.869042+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Bancorp Q3 EPS $1.18 beats prior year; cuts 2025 guidance to $5.10, initiates 2027 target $8.25","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0002039852-25-000175","json":"https://secwatch.observer/filing/0002039852-25-000175.json","markdown":"https://secwatch.observer/filing/0002039852-25-000175.md","text":"https://secwatch.observer/filing/0002039852-25-000175.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1295401/000203985225000175/0002039852-25-000175-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1295401/000203985225000175/bancorp8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:15:42.869042+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"}