Bancorp (TBBK) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 4, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TBBK SEC filings page.
Bancorp (TBBK) reported $672.1M in revenue over the twelve months to Jun 30, 2026, up 4.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Cash generation is paired with aggressive repurchases, while balance-sheet growth makes financing economics more informative than sales margins.
FY2025 operating cash flow of$265.0M exceeded net income of$228.2M , indicating that reported earnings translated into cash rather than remaining largely accrual-based. Free cash flow reached$257.9M against only$7.1M of capital spending, revealing a low reinvestment burden and substantial cash available for capital allocation.
From FY2023 to FY2025, assets expanded to
The FY2025 revenue line is smaller than net income, so revenue-based margin analysis is not a dependable lens for this dataset; balance-sheet and cash measures carry more interpretive weight. Interest expense was
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Bancorp earned a return on assets of 2.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 2.5% the prior year. Earnings ranks banks on that return over three years, and Bancorp scores 94/100 among other banks.
Bancorp reported revenue of $703.8M in fiscal year 2025, against $533.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Bancorp scores 80/100 among other banks.
Bancorp funded 7.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $689.8M of equity against $9.4B of assets. Capital ranks banks on that cushion, and Bancorp scores 6/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Bancorp scores 91/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Bancorp scores 5/100 on it among other banks.
Bancorp reported net income of $228.2M in fiscal year 2025, against $217.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Bancorp scores 49/100 among other banks.
Bancorp passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
Bancorp generated $163.5M in revenue in Q2 2026. This represents a decrease of 9.8% from the same quarter a year earlier. Against the prior quarter it is up 1.3%.
Bancorp reported $60.7M in net income in Q2 2026. This represents an increase of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 1.0%.
Bancorp earned $1.45 per diluted share (EPS) in Q2 2026. This represents an increase of 14.2% from the same quarter a year earlier. Against the prior quarter it is up 2.8%.
Not reported for Q2 2026.
Cash & Balance Sheet
Bancorp generated $34.4M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 31.2% from the same quarter a year earlier. Against the prior quarter it is down 59.4%.
Bancorp held $80.1M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
Bancorp's net profit margin was 37.1% in Q2 2026, showing the share of revenue converted to profit. This is up 4.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.
Bancorp's ROE was 8.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.6 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Bancorp spent $50.5M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 33.3% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.
Bancorp invested $466K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 8.1% from the same quarter a year earlier. Against the prior quarter it is down 0.4%.
Not reported for Q2 2026.
TBBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $163.5M-9.8% | $161.3M-8.0% | $172.6M+8.2% | $174.6M+38.8% | $181.2M+45.6% | $175.4M+41.7% | $159.6M+33.9% | $125.8M+8.8% |
| SG&A Expenses | $37.4M+0.8% | $37.5M+11.3% | $34.4M+2.3% | $37.4M+10.4% | $37.1M+9.7% | $33.7M+11.2% | $33.6M+21.7% | $33.8M+11.0% |
| Interest Expense | $41.6M-8.9% | $41.0M-14.7% | $39.9M-10.2% | $42.2M-8.2% | $45.7M+4.9% | $48.1M+16.1% | $44.5M+11.5% | $45.9M+14.6% |
| Income Tax | $20.3M+2.3% | $18.6M+3.2% | $18.7M-8.7% | $18.2M+4.1% | $19.8M+9.3% | $18.1M-2.3% | $20.5M+34.8% | $17.5M+7.3% |
| Net Income | $60.7M+1.4% | $60.1M+5.1% | $56.3M+0.7% | $54.9M+6.6% | $59.8M+11.4% | $57.2M+1.3% | $55.9M+26.9% | $51.5M+2.8% |
| EPS (Basic) | $1.46+14.1% | $1.43+18.2% | $1.30+11.1% | $1.20+13.2% | $1.28+21.9% | $1.21+13.1% | $1.17+42.7% | $1.06+14.0% |
| EPS (Diluted) | $1.45+14.2% | $1.41+18.5% | $1.28+12.3% | $1.18+13.5% | $1.27+21.0% | $1.19+12.3% | $1.14+40.7% | $1.04+13.0% |
| Diluted Shares (Avg) | 42M-11.4% | 43M-11.2% | N/A | 47M-6.0% | 47M-8.1% | 48M-10.1% | N/A | 49M-9.6% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
TBBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.2B+4.3% | $9.9B+5.5% | $9.4B+7.2% | $8.6B+6.2% | $8.8B+8.5% | $9.4B+18.6% | $8.7B+13.3% | $8.1B+8.4% |
| Cash & Equivalents | $80.1M-76.5% | $67.2M-93.4% | $112.6M-80.2% | $84.7M+51.8% | $340.3M-16.1% | $1.0B-18.3% | $570.1M-45.1% | $55.8M-93.8% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | N/A | N/A | $263K0.0% | $263K0.0% | $263K0.0% | $263K0.0% | $263K0.0% | $263K0.0% |
| Total Liabilities | $8.5B+6.7% | $9.2B+7.5% | $8.7B+9.1% | $7.8B+7.4% | $8.0B+8.3% | $8.6B+20.5% | $7.9B+15.1% | $7.3B+8.8% |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | $14.1M-63.5% | N/A |
| Total Equity | $705.4M-18.0% | $697.0M-16.0% | $689.8M-12.7% | $778.2M-4.6% | $860.3M+10.7% | $829.7M+1.6% | $789.8M-2.2% | $815.3M+5.4% |
| Retained Earnings | $1.1B+25.9% | $1.1B+27.6% | $1.0B+29.3% | $951.1M+31.5% | $896.1M+33.4% | $836.3M+35.3% | $779.2M+38.7% | $723.2M+39.7% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
TBBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $34.9M-31.0% | $85.2M-9.8% | -$31.6M-147.5% | $151.6M+198.4% | $50.5M+195.1% | $94.5M+25.3% | $66.6M+9.0% | $50.8M-4.6% |
| Stock-Based Compensation | N/A | $4.8M+3.6% | N/A | $5.0M+28.2% | $5.2M+36.8% | $4.6M+38.4% | N/A | $3.9M+39.3% |
| Capital Expenditures | $466K-8.1% | $468K-38.8% | $5.2M+754.0% | $634K-43.6% | $507K-69.1% | $765K-52.3% | $607K+89.7% | $1.1M-61.2% |
| Free Cash Flow | $34.4M-31.2% | $84.8M-9.6% | -$36.8M-155.8% | $150.9M+203.8% | $50.0M+223.1% | $93.8M+27.0% | $66.0M+8.5% | $49.7M-1.3% |
| Investing Cash Flow | $708.3M+845.5% | -$615.9M-174.6% | -$622.6M-232.9% | -$122.3M+52.1% | -$95.0M+90.7% | -$224.3M-897.3% | -$187.0M-140.2% | -$255.2M-325.4% |
| Financing Cash Flow | -$730.3M-14.7% | $485.2M-16.5% | $682.2M+7.5% | -$284.9M-95.9% | -$636.5M-488.3% | $580.9M+264.3% | $634.8M+319.2% | -$145.4M-1.3% |
| Share Buybacks | $50.5M+33.3% | $50.3M+33.5% | $151.5M+200.0% | $151.3M+199.7% | $37.9M-62.5% | $37.7M-25.2% | $50.5M+102.0% | $50.5M+102.0% |
Not reported in any period shown, so not listed: Depreciation & Amortization, Dividends Paid.
TBBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 37.1%+4.1pp | 37.2%+4.6pp | 32.6%-2.4pp | 31.5%-9.5pp | 33.0%-10.1pp | 32.6%-13.0pp | 35.0%-1.9pp | 40.9%-2.4pp |
| Return on Equity | 8.6%+1.6pp | 8.6%+1.7pp | 8.2%+1.1pp | 7.1%+0.7pp | 7.0%0.0pp | 6.9%0.0pp | 7.1%+1.6pp | 6.3%-0.2pp |
| Return on Assets | 0.7%0.0pp | 0.6%0.0pp | 0.6%0.0pp | 0.6%0.0pp | 0.7%0.0pp | 0.6%-0.1pp | 0.6%+0.1pp | 0.6%0.0pp |
| Debt-to-Equity | 12.07+2.8x | 13.20+2.9x | 12.56+12.5x | 10.05+1.1x | 9.28-0.2x | 10.31+1.6x | 0.020.0x | 8.93+0.3x |
| Asset Turnover | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x |
| FCF Margin | 21.0%-6.6pp | 52.5%-0.9pp | -21.3%-62.7pp | 86.4%+47.0pp | 27.6%+15.2pp | 53.5%-6.2pp | 41.3%-9.7pp | 39.5%-4.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Bancorp TBBK | FY2025 | $703.8M | $228.2M | 32.4% | $2.7B | 54/100 |
| Fulton Financial FULT | FY2025 | $1.3B | $391.6M | 29.8% | $4.6B | 45/100 |
| Renasant RNST | FY2025 | $1.3B | $181.3M | 14.4% | $3.8B | 62/100 |
| First Bancorp P R FBP | FY2025 | $1.3B | $344.9M | 27.5% | $4.3B | 57/100 |
| Independent Bk Corp Mass INDB | FY2025 | $1.0B | $205.1M | 20.1% | $3.9B | 53/100 |
| First Interstate Bancsystem FIBK | FY2025 | $1.2B | $302.1M | 25.7% | $3.6B | 53/100 |
Where Bancorp Ranks
Frequently Asked Questions
What is Bancorp's annual revenue?
Bancorp (TBBK) reported $703.8M in total revenue for fiscal year 2025. This represents a 31.9% 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 31.9% year-over-year, from $533.8M to $703.8M 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 32.4%.
What is Bancorp's net profit margin?
Bancorp (TBBK) had a net profit margin of 32.4% 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.
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 P/E ratio?
Bancorp (TBBK) trades at 11.8x earnings, its market capitalization divided by net income of $231.9M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.7B as of Sep 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Bancorp's price-to-sales ratio?
Bancorp (TBBK) trades at 4.1x sales, its market capitalization divided by revenue of $672.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.7B as of Sep 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Bancorp's Piotroski F-Score?
Bancorp (TBBK) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 54 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.