Bancorp (NASDAQ:TBBK) Shares Down 9.3% After Earnings Miss

The Bancorp, Inc. (NASDAQ:TBBK) shares dropped 9.3% during trading on Friday following a dissappointing earnings announcement. The company traded as low as $66.12 and last traded at $63.9510. Approximately 41,053 shares were traded during trading, a decline of 93% from the average daily volume of 578,767 shares. The stock had previously closed at $70.53.

The bank reported $1.28 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $1.46 by ($0.18). The business had revenue of $132.21 million during the quarter, compared to analysts’ expectations of $101.10 million. Bancorp had a net margin of 26.15% and a return on equity of 27.74%.

Key Headlines Impacting Bancorp

Here are the key news stories impacting Bancorp this week:

• Positive Sentiment: Very strong longer‑term outlook: management raised FY2027 EPS guidance to $8.25 (vs. consensus ~$6.50), signaling confidence in margin recovery and earnings power — a constructive sign for longer‑term valuation. The Bancorp, Inc. (TBBK) Q4 2025 Earnings Call Transcript
• Positive Sentiment: Capital return and underlying profitability: company disclosed $150M in share repurchases in Q4, reported a high ROE (~30%) and a NIM of 4.30% — these items support EPS per‑share improvement and shareholder returns. The Bancorp Reports 4Q 2025 EPS of $1.28 …
• Neutral Sentiment: Revenue beat but context matters: Q4 revenue came in above some expectations (~$132.2M vs. a ~$101.1M consensus), showing fee and fintech growth, though it accompanied an EPS miss — this tempers how investors read the top‑line strength. The Bancorp Reports 4Q 2025 EPS of $1.28 …
• Neutral Sentiment: Earnings call and slide deck available — read for color on loan growth, deposit trends, and planned capital deployment that will determine whether FY2027 targets are credible. The Bancorp, Inc. (TBBK) Q4 2025 Earnings Call Transcript
• Negative Sentiment: FY2026 guidance below street: management set FY2026 EPS guidance at $5.90 vs. consensus ~$6.46 — this near‑term shortfall is the main catalyst for downward pressure on the stock.
• Negative Sentiment: Q4 EPS miss: reported $1.28 vs. consensus ~$1.46 (a ~$0.18 miss), which likely amplified selling despite revenue and profitability metrics. The Bancorp (TBBK) Q4 Earnings and Revenues Lag Estimates

Analyst Ratings Changes

TBBK has been the subject of several research reports. Royal Bank Of Canada restated an “outperform” rating and set a $57.00 price target on shares of Bancorp in a report on Wednesday, January 21st. William Blair set a $60.00 target price on shares of Bancorp in a research report on Wednesday, January 21st. Weiss Ratings restated a “hold (c+)” rating on shares of Bancorp in a report on Monday, December 29th. Finally, Raymond James Financial reiterated a “strong-buy” rating on shares of Bancorp in a report on Tuesday, January 13th. One research analyst has rated the stock with a Strong Buy rating, five have issued a Buy rating and two have given a Hold rating to the company’s stock. Based on data from MarketBeat.com, the stock has an average rating of “Moderate Buy” and an average target price of $60.20.

Insider Buying and Selling at Bancorp

In related news, CFO Dominic C. Canuso purchased 1,800 shares of the firm’s stock in a transaction dated Friday, November 14th. The stock was bought at an average price of $61.24 per share, for a total transaction of $110,232.00. Following the purchase, the chief financial officer owned 3,500 shares in the company, valued at $214,340. The trade was a 105.88% increase in their position. The transaction was disclosed in a filing with the SEC, which can be accessed through this link. 5.60% of the stock is owned by corporate insiders.

Hedge Funds Weigh In On Bancorp

Several hedge funds and other institutional investors have recently added to or reduced their stakes in TBBK. Invesco Ltd. lifted its stake in shares of Bancorp by 4.8% in the third quarter. Invesco Ltd. now owns 2,781,772 shares of the bank’s stock worth $208,327,000 after buying an additional 126,302 shares during the last quarter. American Century Companies Inc. grew its stake in Bancorp by 3.3% in the 2nd quarter. American Century Companies Inc. now owns 2,715,553 shares of the bank’s stock valued at $154,705,000 after buying an additional 86,721 shares during the last quarter. Geode Capital Management LLC raised its holdings in Bancorp by 0.5% in the 2nd quarter. Geode Capital Management LLC now owns 1,373,686 shares of the bank’s stock worth $78,266,000 after acquiring an additional 7,405 shares during the period. Owls Nest Partners IA LLC lifted its position in Bancorp by 6.4% during the 2nd quarter. Owls Nest Partners IA LLC now owns 1,265,404 shares of the bank’s stock worth $72,090,000 after acquiring an additional 75,635 shares during the last quarter. Finally, Franklin Resources Inc. lifted its position in Bancorp by 11.5% during the 2nd quarter. Franklin Resources Inc. now owns 1,112,816 shares of the bank’s stock worth $63,397,000 after acquiring an additional 114,846 shares during the last quarter. Institutional investors and hedge funds own 96.22% of the company’s stock.

Bancorp Price Performance

The company has a market capitalization of $2.61 billion, a P/E ratio of 12.08 and a beta of 1.27. The stock’s fifty day simple moving average is $67.91 and its 200-day simple moving average is $69.78. The company has a debt-to-equity ratio of 0.29, a current ratio of 0.91 and a quick ratio of 0.89.

About Bancorp

The Bancorp, Inc (NASDAQ: TBBK) is a Delaware-chartered bank holding company that provides a range of banking and financial services to individuals, businesses, and financial institutions across the United States. Through its subsidiary, The Bancorp Bank, the company offers FDIC-insured deposit accounts, cash management solutions and specialized lending products. Its business model focuses on partnering with fintech firms, asset managers and payment processors to deliver integrated banking-as-a-service (BaaS) capabilities.

The company’s product suite includes interest-bearing and non-interest-bearing checking accounts, money market accounts, certificates of deposit and debit and credit card services.