earnings
confidence high
sentiment neutral
materiality 0.85
Bancorp Q4 EPS $1.28 beats prior year; guides FY2026 EPS $5.90, 2027 $8.25
Bancorp, Inc.
2025-FY EPS reported
$4.92
revenue$141,147,000
- Q4 net income $56.3M ($1.28 diluted EPS) vs $55.9M ($1.15) a year ago; ROE 30.4% vs 27.7%.
- Net interest margin 4.30% vs 4.55% a year ago; total fintech fees up 12% YoY to $36.0M.
- Repurchased $150M of stock in Q4 (2.17M shares at ~$69.01), 5% of outstanding shares.
- CEO cites government shutdown, NIM compression, and legal settlement as reasons for falling short of prior guidance.
- Initiates 2026 EPS guidance at $5.90; preliminary 2027 EPS outlook $8.25; $200M buyback planned in 2026.