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

The Bancorp, Inc. (NASDAQ:TBBK)’s stock price traded down 9.3% during trading on Friday after the company announced weaker than expected quarterly earnings. The company traded as low as $66.12 and last traded at $63.9510. 41,053 shares changed hands during trading, a decline of 93% from the average session volume of 578,767 shares. The stock had previously closed at $70.53.

The bank reported $1.28 earnings per share for the quarter, missing analysts’ consensus estimates of $1.46 by ($0.18). The company had revenue of $132.21 million for 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 Stories 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

Analysts Set New Price Targets

TBBK has been the topic of a number of analyst reports. William Blair set a $60.00 price target on shares of Bancorp in a research note on Wednesday, January 21st. Weiss Ratings reaffirmed a “hold (c+)” rating on shares of Bancorp in a research note on Monday, December 29th. Raymond James Financial restated a “strong-buy” rating on shares of Bancorp in a research report on Tuesday, January 13th. Finally, Royal Bank Of Canada reaffirmed an “outperform” rating and issued a $57.00 price objective on shares of Bancorp in a research report on Wednesday, January 21st. One equities 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 stock. According to MarketBeat, Bancorp has a consensus rating of “Moderate Buy” and a consensus target price of $60.20.

Insider Transactions at Bancorp

In other news, CFO Dominic C. Canuso acquired 1,800 shares of the company’s stock in a transaction dated Friday, November 14th. The shares were acquired at an average price of $61.24 per share, with a total value of $110,232.00. Following the purchase, the chief financial officer directly owned 3,500 shares of the company’s stock, valued at $214,340. This trade represents a 105.88% increase in their ownership of the stock. The purchase was disclosed in a filing with the SEC, which is accessible through this hyperlink. Insiders own 5.60% of the company’s stock.

Institutional Trading of Bancorp

Institutional investors and hedge funds have recently modified their holdings of the stock. Rothschild Investment LLC lifted its stake in Bancorp by 213.6% in the 3rd quarter. Rothschild Investment LLC now owns 345 shares of the bank’s stock valued at $26,000 after buying an additional 235 shares in the last quarter. Bessemer Group Inc. raised its holdings in shares of Bancorp by 78.6% during the third quarter. Bessemer Group Inc. now owns 400 shares of the bank’s stock valued at $30,000 after acquiring an additional 176 shares during the last quarter. Lazard Asset Management LLC acquired a new position in shares of Bancorp during the second quarter valued at approximately $53,000. Northwestern Mutual Wealth Management Co. lifted its position in shares of Bancorp by 732.2% in the third quarter. Northwestern Mutual Wealth Management Co. now owns 749 shares of the bank’s stock valued at $56,000 after acquiring an additional 659 shares in the last quarter. Finally, IFP Advisors Inc acquired a new stake in shares of Bancorp in the third quarter worth approximately $66,000. Hedge funds and other institutional investors own 96.22% of the company’s stock.

Bancorp Price Performance

The stock has a 50 day moving average price of $67.91 and a 200-day moving average price of $69.80. The company has a debt-to-equity ratio of 0.29, a current ratio of 0.91 and a quick ratio of 0.89. The stock has a market capitalization of $2.61 billion, a price-to-earnings ratio of 12.08 and a beta of 1.27.

Bancorp Company Profile

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.