Business Wire·Jan 29, 2026, 4:25 PM ET

The Bancorp Reports 4Q 2025 EPS of $1.28, ROA of 2.53% and ROE of 30.4% Driven by NIM of 4.30%, Continued Fintech Fee Growth, and $150 Million in Share Repurchases in the Quarter

TBBK

The Bancorp, Inc. reported fourth quarter 2025 net income of $56.3 million, or $1.28 per diluted share, an 11% increase from $1.15 per share in 4Q 2024.
Total loans, net of deferred fees, reached $7.12 billion at period end, representing a 16% increase year-over-year & a 7% increase from 3Q 2025.
Consumer fintech loans grew 142% year-over-year to $1.10 billion, now constituting 15.1% of the total loan portfolio.
Net interest income decreased to $92.1 million from $94.3 million in 4Q 2024, while net interest margin declined to 4.30% from 4.55%.
Gross dollar volume on prepaid, debit, & credit cards totaled $45.87 billion, a 16% increase compared to 4Q 2024.
Non-interest income totaled $80.5 million, driven by a 48% increase in fees on consumer fintech loans to $4.5 million.
Total non-interest expense increased 8% year-over-year to $56.2 million, primarily due to $2.0 million in legal settlement costs & higher software expenses.
The company repurchased 2,173,518 shares for $150.0 million during the quarter, averaging $69.01 per share.
Ending criticized assets decreased to $194.5 million, driven by a $101.8 million reduction in Real estate bridge loans classified as criticized.
Management initiated 2026 EPS guidance of $5.90, with a target of at least $1.75 per share for 4Q 2026 & a preliminary 2027 outlook of $8.25.
The efficiency ratio for 4Q 2025 was 42.5%, compared to 40.2% in 4Q 2024.
Return on equity rose to 30.43% from 27.71% in the prior year quarter, while return on assets dipped slightly to 2.53%.
Average deposits increased 1% year-over-year to $7.60 billion, with the average interest rate on deposits falling to 1.77% from 2.25%.
Total net charge-offs were $39.2 million for the quarter, resulting in an annualized ratio of 2.29% to average loans.