---
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"
generated_at: "2026-05-17T01:15:42.869042+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Bancorp Q3 EPS $1.18 beats prior year; cuts 2025 guidance to $5.10, initiates 2027 target $8.25

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002039852-25-000175
- JSON: https://secwatch.observer/filing/0002039852-25-000175.json
- Plain text: https://secwatch.observer/filing/0002039852-25-000175.txt

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