---
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"
generated_at: "2026-05-16T06:18:33.654449+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Bancorp Q4 EPS $1.28 beats prior year; guides FY2026 EPS $5.90, 2027 $8.25

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002039852-26-000004
- JSON: https://secwatch.observer/filing/0002039852-26-000004.json
- Plain text: https://secwatch.observer/filing/0002039852-26-000004.txt

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