{"schema_version":"secwatch.filing_event.v1","accession":"0002039852-26-000004","form_type":"8-K","ticker":"TBBK","cik":"0001295401","company_name":"Bancorp, Inc.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.735146+00:00","generated_at":"2026-05-16T06:18:33.654449+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Bancorp Q4 EPS $1.28 beats prior year; guides FY2026 EPS $5.90, 2027 $8.25","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0002039852-26-000004","json":"https://secwatch.observer/filing/0002039852-26-000004.json","markdown":"https://secwatch.observer/filing/0002039852-26-000004.md","text":"https://secwatch.observer/filing/0002039852-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1295401/000203985226000004/0002039852-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1295401/000203985226000004/bancorp8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:18:33.654449+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"}