secwatch.observer — SEC 8-K summary
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Issuer:     Bancorp, Inc. (TBBK)
CIK:        0001295401
Form:       8-K
Filed at:   2026-01-29T23:59:59+00:00
Accession:  0002039852-26-000004
Event type: earnings
Sentiment:  neutral
Materiality: 0.85
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1295401/000203985226000004/0002039852-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1295401/000203985226000004/bancorp8k.htm
  HTML page:      https://secwatch.observer/filing/0002039852-26-000004

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