What is Bancorp's earnings per share (EPS)?

Bancorp (TBBK) reported diluted earnings per share of $4.92 for fiscal year 2025. This represents a 14.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bancorp Financials

TBBK

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Bancorp (TBBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 63/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Bancorp's revenue surged 20.8% year-over-year to $141.1M, reflecting rapid business expansion. This strong growth earns a score of 68/100.

Leverage

Bancorp has elevated debt relative to equity (D/E of 12.56), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Bancorp converts 182.7% of revenue into free cash flow ($257.9M). This strong cash generation earns a score of 100/100.

Returns

Bancorp earns a strong 33.1% return on equity (ROE), meaning it generates $33 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 85/100. This is up from 27.5% the prior year.

Piotroski F-Score Neutral

6/9

Bancorp passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.16x

For every $1 of reported earnings, Bancorp generates $1.16 in operating cash flow ($265.0M OCF vs $228.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$141.1M

YoY+20.8%

5Y CAGR+81.8%

10Y CAGR+5.4%

Bancorp generated $141.1M in revenue in fiscal year 2025. This represents an increase of 20.8% from the prior year.

EBITDA

N/A

Net Income

$228.2M

YoY+4.9%

5Y CAGR+23.3%

10Y CAGR+32.7%

Bancorp reported $228.2M in net income in fiscal year 2025. This represents an increase of 4.9% from the prior year.

EPS (Diluted)

$4.92

YoY+14.7%

5Y CAGR+29.1%

10Y CAGR+30.3%

Bancorp earned $4.92 per diluted share (EPS) in fiscal year 2025. This represents an increase of 14.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$257.9M

YoY+25.9%

5Y CAGR+17.1%

Bancorp generated $257.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 25.9% from the prior year.

Cash & Debt

$112.6M

YoY-80.2%

5Y CAGR-20.1%

10Y CAGR-20.8%

Bancorp held $112.6M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

42M

YoY-10.5%

5Y CAGR-5.9%

Bancorp had 42M shares outstanding in fiscal year 2025. This represents a decrease of 10.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

161.7%

YoY-24.6pp

5Y CAGR-966.1pp

10Y CAGR+145.6pp

Bancorp's net profit margin was 161.7% in fiscal year 2025, showing the share of revenue converted to profit. This is down 24.6 percentage points from the prior year.

Return on Equity

33.1%

YoY+5.5pp

5Y CAGR+19.3pp

10Y CAGR+28.9pp

Bancorp's ROE was 33.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$378.3M

YoY+49.9%

Bancorp spent $378.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 49.9% from the prior year.

Capital Expenditures

$7.1M

YoY+42.5%

5Y CAGR+13.7%

10Y CAGR-2.4%

Bancorp invested $7.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 42.5% from the prior year.

TBBK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$141.1M+20.8%	$116.8M+17.7%	$99.2M+15.2%	$86.2M+1045.0%	$7.5M+6.0%	$7.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$175.9M+0.3%	$175.4M+12.8%	$155.5M+161.5%	$59.5M+429.0%	$11.2M-29.4%	$15.9M
Income Tax	$74.8M+0.3%	$74.6M+15.7%	$64.5M+35.2%	$47.7M+41.4%	$33.7M+21.8%	$27.7M
Net Income	$228.2M+4.9%	$217.5M+13.1%	$192.3M+47.7%	$130.2M+17.7%	$110.7M+38.2%	$80.1M
EPS (Diluted)	$4.92+14.7%	$4.29+22.9%	$3.49+53.7%	$2.27+20.7%	$1.88+37.2%	$1.37

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	N/A	$136.4M-4.7%	$143.1M+2.4%	$139.8M	N/A	$139.7M+1.7%	$137.3M+1.1%	$135.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$42.2M-7.6%	$45.7M-5.0%	$48.1M	N/A	$45.9M+5.6%	$43.5M+5.1%	$41.4M
Income Tax	N/A	$18.2M-8.1%	$19.8M+9.8%	$18.1M	N/A	$17.5M-3.4%	$18.1M-1.9%	$18.5M
Net Income	N/A	$54.9M-8.2%	$59.8M+4.6%	$57.2M	N/A	$51.5M-4.0%	$53.7M-4.9%	$56.4M
EPS (Diluted)	N/A	$1.18-7.1%	$1.27+6.7%	$1.19	N/A	$1.04-1.0%	$1.05-0.9%	$1.06

TBBK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.4B+7.2%	$8.7B+13.3%	$7.7B-2.5%	$7.9B+15.5%	$6.8B+9.0%	$6.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$112.6M-80.2%	$570.1M-45.1%	$1.0B+16.9%	$888.2M+47.6%	$601.8M+74.2%	$345.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$263K0.0%	$263K0.0%	$263K0.0%	$263K0.0%	$263K	N/A
Total Liabilities	$8.7B+9.1%	$7.9B+15.1%	$6.9B-4.3%	$7.2B+16.4%	$6.2B+8.7%	$5.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$14.1M-63.5%	$38.6M+286.0%	$10.0M-74.7%	$39.5M-2.0%	$40.3M
Total Equity	$689.8M-12.7%	$789.8M-2.2%	$807.3M+16.3%	$694.0M+6.4%	$652.5M+12.3%	$581.2M
Retained Earnings	$1.0B+29.3%	$779.2M+38.7%	$561.6M+52.1%	$369.3M+54.5%	$239.1M+86.1%	$128.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$9.4B+8.8%	$8.6B-2.7%	$8.8B-5.8%	$9.4B+7.5%	$8.7B+7.8%	$8.1B-0.6%	$8.1B+2.9%	$7.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$112.6M+33.0%	$84.7M-75.1%	$340.3M-66.7%	$1.0B+79.1%	$570.1M+922.4%	$55.8M-86.3%	$405.6M-67.6%	$1.3B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$263K0.0%	$263K0.0%	$263K0.0%	$263K0.0%	$263K0.0%	$263K0.0%	$263K0.0%	$263K
Total Liabilities	$8.7B+10.8%	$7.8B-2.0%	$8.0B-6.7%	$8.6B+7.8%	$7.9B+9.0%	$7.3B-1.2%	$7.4B+3.8%	$7.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	$14.1M	N/A	N/A	N/A
Total Equity	$689.8M-11.4%	$778.2M-9.5%	$860.3M+3.7%	$829.7M+5.1%	$789.8M-3.1%	$815.3M+4.9%	$777.0M-4.9%	$816.8M
Retained Earnings	$1.0B+5.9%	$951.1M+6.1%	$896.1M+7.2%	$836.3M+7.3%	$779.2M+7.7%	$723.2M+7.7%	$671.7M+8.7%	$618.0M

TBBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$265.0M+26.2%	$209.9M+12.3%	$186.9M+56.2%	$119.6M+42.6%	$83.9M-30.5%	$120.7M
Capital Expenditures	$7.1M+42.5%	$5.0M-60.8%	$12.7M+147.2%	$5.1M+231.4%	$1.5M-58.6%	$3.7M
Free Cash Flow	$257.9M+25.9%	$204.9M+17.7%	$174.2M+52.1%	$114.5M+39.0%	$82.3M-29.6%	$116.9M
Investing Cash Flow	-$1.1B+28.6%	-$1.5B-458.8%	$415.4M+150.2%	-$826.7M-170.3%	-$305.9M+75.1%	-$1.2B
Financing Cash Flow	$341.7M-58.0%	$812.7M+279.7%	-$452.4M-145.5%	$993.5M+107.7%	$478.3M-6.0%	$509.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$378.3M+49.9%	$252.4M+152.4%	$100.0M+66.7%	$60.0M+50.0%	$40.0M	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$31.6M-140.4%	$78.2M-9.0%	$85.9M-35.2%	$132.5M+99.1%	$66.6M+31.0%	$50.8M+196.7%	$17.1M-77.3%	$75.4M
Capital Expenditures	$5.2M+717.7%	$634K+25.0%	$507K-33.7%	$765K+26.0%	$607K-46.0%	$1.1M-31.4%	$1.6M+2.2%	$1.6M
Free Cash Flow	-$36.8M-147.4%	$77.6M-9.2%	$85.4M-35.2%	$131.7M+99.7%	$66.0M+32.8%	$49.7M+220.9%	$15.5M-79.0%	$73.8M
Investing Cash Flow	-$622.6M-1172.5%	-$48.9M+62.5%	-$130.4M+50.3%	-$262.2M-40.2%	-$187.0M+26.7%	-$255.2M+75.1%	-$1.0B-4462.4%	-$22.5M
Financing Cash Flow	$682.2M+339.5%	-$284.9M+55.2%	-$636.5M-209.6%	$580.9M-8.5%	$634.8M+536.5%	-$145.4M-188.7%	$163.9M+2.8%	$159.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$151.5M+0.1%	$151.3M+299.6%	$37.9M+0.6%	$37.7M-25.4%	$50.5M0.0%	$50.5M-50.0%	$101.0M+100.5%	$50.4M

TBBK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	161.7%-24.6pp	186.3%-7.5pp	193.8%+42.7pp	151.1%-1319.2pp	1470.3%+342.5pp	1127.8%
Return on Equity	33.1%+5.5pp	27.5%+3.7pp	23.8%+5.1pp	18.8%+1.8pp	17.0%+3.2pp	13.8%
Return on Assets	2.4%-0.0pp	2.5%-0.0pp	2.5%+0.9pp	1.7%+0.0pp	1.6%+0.3pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	12.56+12.5	0.02-0.0	0.05+0.0	0.01-0.0	0.060.0	0.07
FCF Margin	182.7%+7.3pp	175.5%-0.0pp	175.5%+42.6pp	132.8%-961.3pp	1094.1%-552.8pp	1646.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	N/A	40.3%-1.5pp	41.8%+0.9pp	40.9%	N/A	36.9%-2.2pp	39.1%-2.4pp	41.5%
Return on Equity	N/A	7.1%+0.1pp	7.0%+0.1pp	6.9%	N/A	6.3%-0.6pp	6.9%0.0pp	6.9%
Return on Assets	N/A	0.6%-0.0pp	0.7%+0.1pp	0.6%	N/A	0.6%-0.0pp	0.7%-0.1pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	12.56+2.5	10.05+0.8	9.28-1.0	10.31+10.3	0.02-8.9	8.93-0.6	9.48+0.8	8.69
FCF Margin	N/A	56.9%-2.8pp	59.7%-34.6pp	94.2%	N/A	35.6%+24.3pp	11.3%-43.1pp	54.4%

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Frequently Asked Questions

What is Bancorp's annual revenue?

Bancorp (TBBK) reported $141.1M in total revenue for fiscal year 2025. This represents a 20.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bancorp's revenue growing?

Bancorp (TBBK) revenue grew by 20.8% year-over-year, from $116.8M to $141.1M in fiscal year 2025.

Is Bancorp profitable?

Yes, Bancorp (TBBK) reported a net income of $228.2M in fiscal year 2025, with a net profit margin of 161.7%.

What is Bancorp's net profit margin?

Bancorp (TBBK) had a net profit margin of 161.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Bancorp's return on equity (ROE)?

Bancorp (TBBK) has a return on equity of 33.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Bancorp's free cash flow?

Bancorp (TBBK) generated $257.9M in free cash flow during fiscal year 2025. This represents a 25.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bancorp's operating cash flow?

Bancorp (TBBK) generated $265.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Bancorp's total assets?

Bancorp (TBBK) had $9.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Bancorp's capital expenditures?

Bancorp (TBBK) invested $7.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Bancorp buy back shares?

Yes, Bancorp (TBBK) spent $378.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Bancorp have outstanding?

Bancorp (TBBK) had 42M shares outstanding as of fiscal year 2025.

What is Bancorp's debt-to-equity ratio?

Bancorp (TBBK) had a debt-to-equity ratio of 12.56 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bancorp's return on assets (ROA)?

Bancorp (TBBK) had a return on assets of 2.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Bancorp's Piotroski F-Score?

Bancorp (TBBK) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bancorp's earnings high quality?

Bancorp (TBBK) has an earnings quality ratio of 1.16x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bancorp?

Bancorp (TBBK) scores 63 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.