TBBK 8-K SEC Filing Analysis

Latest settled — T+20d

TBBK ▼ -4.90% at T+20d

LONG call ✗ call lost -4.90% · α vs SPY -8.93% · entry $57.91 → $55.07

Next anchor: T+60d in 6w

Last close $54.23 (close Jun 8) · -6.35% from $57.91 entry

Entry anchored
Apr 23, 03:59 PM ET
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call +1.64% · α +1.48%

$58.86

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T+5d

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call +3.32% · α +2.41%

$59.83

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T+20d

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call -4.90% · α -8.93%

$55.07

settled 20d ago

T+60d

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Executive Summary

Bancorp, Inc. reported Q1 2026 EPS of $1.41, a 18% YoY increase, driven by strong loan and deposit growth, particularly in fintech loans which rose 187% YoY. Net interest margin declined to 3.87% due to portfolio mix shift toward fee-based fintech lending. The company maintained its 2026 EPS guidance of $5.90 and raised its 2027 outlook to $8.10-$8.30, signaling confidence in its strategic pivot.

Actionable Insight

The strong EPS beat and raised 2027 guidance, driven by explosive fintech loan growth, suggest the company's strategic pivot is accelerating. Monitor the next earnings call for details on fintech fee margins and the pace of NIM compression, as this will determine if the growth is sustainable.

Key Facts

Q1 2026 EPS of $1.41, up 18% YoY, beating consensus of $1.34
Net income of $60.1M, up 5% YoY
Ending loans grew 22% YoY to $7.75B, with fintech loans surging 187% to $1.65B
Net interest margin declined to 3.87% from 4.07% YoY due to shift to fee-based fintech lending
Company maintained 2026 EPS guidance of $5.90 and raised 2027 outlook to $8.10-$8.30

Financial Impact

EPS beat of $0.07 (5.2%) and raised 2027 guidance to $8.10-$8.30 from $8.25

epsrevenueloan_growthguidance

Risk Factors

Net interest margin declined to 3.87% from 4.07% YoY, indicating ongoing pressure from the shift to lower-margin fintech loans
The company's strategic pivot to fintech lending carries execution risk and could face increased competition

Market Snapshot

Exchange

Nasdaq

Sector

National Commercial Banks

Documents Analyzed

This report is based on 7 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0002039852-26-000063
Exhibit: ex99-2.htm	0002039852-26-000063
Document: bancorp8k.htm	0002039852-26-000063
Document: 0002039852-26-000063-index-headers.html	0002039852-26-000063
Document: 0002039852-26-000063-index.html	0002039852-26-000063
Document: 0002039852-26-000063.txt	0002039852-26-000063
8-K Data (Synthetic)	0002039852-26-000063

3 reports for TBBK

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Filters

Reports for TBBK — sortable, filterable
	Type				Now
Apr 28, 2026 6w ago	Insider Cluster NEUTRAL ★ 3/10	$60.76 $56.01	▼ −7.82%	▼ −13.29%	$54.23 (−10.75%)
Apr 23, 2026 6w ago	8-K BULLISH ★ 8/10	$57.91 $55.07	▼ −4.90%	▼ −8.93%	$54.23 (−6.35%)
Apr 13, 2026 8w ago	DEFA14A NEUTRAL ★ 3/10	$59.53 $55.11	▼ −7.42%	▼ −13.72%	$54.23 (−8.90%)

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