The Filing Desk

Bancorp

TBBK · Nasdaq · Financials · Financials, fiscal 2016 to 2025

TBBK · Last close · November 6, 2026
$48.25
Value Bancorp yourself

Bancorp's revenue rose 31.9% to $704 million in fiscal 2025. Net income was $228 million, up 4.9%. Its return on equity was 30.9%, up from 27.2% a year earlier. Its efficiency ratio was 31.7%, down from 38.1% a year earlier. It paid out $378 million in dividends and buybacks. The diluted share count fell 8.5%.

THE BANCORP, INC. Latest fiscal year ended December 31, 2025 10-K filed February 25, 2026 · 0001295401-26-000002 Updated
Revenue
$704M
31.9%
Net income
$228M
4.9%
Return on equity
30.9%
3.6 pts
Return on tangible equity
30.9%
3.6 pts
Efficiency ratio
31.7%
6.4 pts
Market cap
$2.0B
Nov 6 close
P/E
8.5x
On $5.67 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income
US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.
Revenue (left axis)Net income (right axis)
Efficiency ratio and net interest income
Percent of revenue. The efficiency ratio is noninterest expense over revenue.
Efficiency ratioNet interest income share

From fiscal 2017 to 2025, earnings per share grew 37.3% a year and net income 34.2% a year, as buybacks cut the share count by 17%.

Diluted earnings per share
US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Return on equity
Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.
Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits
US$ billions, at each fiscal year end
Loans, netDeposits
Total assets and shareholders' equity
US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.
Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year endFY21FY22FY23FY24FY25
Loans, net3,7295,4645,3346,0697,050
Deposits5,9777,0306,6817,7468,166
Loans to deposits62.4%77.7%79.8%78.3%86.3%
Provision for credit losses261838178
Provision to average loans0.1%0.1%0.3%0.7%2.7%
Total assets6,8437,9037,7068,7289,352
Shareholders' equity652694807790690
US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks
US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.
Stock-based compensationShare buybacks
Dividends and buybacks
US$ billions, cash paid in each fiscal year
DividendsShare buybacks
Diluted share count
Weighted-average diluted shares, millions

Projections

Project Bancorp's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Bancorp's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, 4 insiders bought $1.2 million of Bancorp shares on the open market, and 4 insiders sold $1.2 million.

Buys and sells by month
US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.
BoughtSold
DateInsiderTradeSharesPriceValueFiling
Nov 4, 2026Stephanie B MudickDirectorBought1,000$47.49$47,495Form 4
Nov 3, 2026Matthew CohnDirectorBought1,000$45.54$45,540Form 4
Aug 6, 2026Martin EganChief Accounting OfficerSold3,057$72.03$220,195Form 4
May 4, 2026Matthew CohnDirectorBought250$58.77$14,692Form 4
May 1, 2026Matthew CohnDirectorBought2,250$59.60$134,105Form 4
Apr 29, 2026Erika R CaesarEVP and General CounselSold4,470$60.28$269,452Form 4
Apr 28, 2026Maria WainwrightEVP & Chief Marketing OfficerSold8,400$60.24$506,016Form 4
Mar 13, 2026Ryan HarrisEVP Head of Fintech SolutionsSold4,500$53.18$239,310Form 4
Feb 27, 2026Dominic C CanusoEVP & Chief Financial OfficerBought2,000$55.26$110,510Form 4
Feb 12, 2026Matthew CohnDirectorBought230$56.78$13,059Form 4
Feb 11, 2026Matthew CohnDirectorBought170$56.99$9,688Form 4
Feb 10, 2026Dominic C CanusoEVP & Chief Financial OfficerBought2,000$60.54$121,080Form 4
The latest 12 of 19 trades. Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Bancorp side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

CompanyYearRevenue growthNet marginReturn on equityReturn on tangible equityEfficiency ratioCompare
BancorpFY2531.9%32.4%30.9%30.9%31.7%
NBT BancorpFY2520.8%24.3%9.9%13.5%63.9%Compare
Bank of HawaiiFY2512.1%28.7%11.7%10.7%61.8%Compare
BancfirstFY259.4%34.8%13.8%15.5%55.0%Compare
Eastern BanksharesFY25−1.2%12.2%2.2%3.0%82.6%Compare
Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue132198275245280316354466534704
Revenue growth−34.8%49.7%38.5%−10.6%13.9%12.9%12.3%31.5%14.5%31.9%
Net interest income90107121141195211249354376376
Noninterest income429215410485105106112158328
Noninterest expense199155151168165168170191203223
Provision for credit losses33446261838178
Net income−9622895280111130192218228
Diluted EPS (US$)−2.170.391.550.901.371.882.273.494.294.92
Diluted shares (millions)45565757585957555146
Payouts
Dividends paid0000000000
Share buybacks000004060100252378
Balance sheet at fiscal year end
Loans, net1,2171,3851,4931,8142,6363,7295,4645,3346,0697,050
Deposits4,2384,2613,9365,0525,4625,9777,0306,6817,7468,166
Total assets4,8584,7084,4385,6576,2776,8437,9037,7068,7289,352
Shareholders' equity299324407484581652694807790690
Ratios
Return on equity−31.2%7.0%24.3%11.6%15.0%17.9%19.3%25.6%27.2%30.9%
Return on tangible common equity−31.8%7.1%24.6%11.7%15.1%18.0%19.4%25.7%27.3%30.9%
Return on assets−2.0%0.5%1.9%1.0%1.3%1.7%1.8%2.5%2.6%2.5%
Efficiency ratio149.9%78.2%55.1%68.7%59.0%53.3%47.8%41.0%38.1%31.7%
US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)
Source: Bancorp's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Bancorp.