Bancorp (NASDAQ:TBBK) Shares Down 9.3% on Disappointing Earnings

The Bancorp, Inc. (NASDAQ:TBBK) fell 9.3% during trading on Friday following a dissappointing earnings announcement. 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 the consensus estimate of $1.46 by ($0.18). Bancorp had a net margin of 26.15% and a return on equity of 27.97%. The firm had revenue of $132.21 million for the quarter, compared to analysts’ expectations of $101.10 million.

Bancorp News Roundup

Here are the key news stories impacting Bancorp this week:

• Positive Sentiment: FY2027 guidance well above expectations — management guided FY2027 EPS to 8.25 (vs. consensus ~6.50), signaling management sees significant earnings acceleration into next year. This is a clear upside catalyst for investors looking at forward earnings power.
• Positive Sentiment: Q4 2026 guidance slightly ahead — the company gave Q4 2026 EPS guidance of 1.75, above the ~1.66 consensus, suggesting near-term stability in quarterly profitability.
• Positive Sentiment: Strong quarter on some metrics and shareholder returns — while EPS missed, revenue was $132.21M (above estimates), NIM was 4.30%, ROE ~30.4%, and the company repurchased $150M of stock in the quarter, supporting EPS and capital-return thesis. Read More.
• Neutral Sentiment: Press and analyst write-ups provide context but add no new diverging data points beyond the release and guidance updates. See coverage summarizing the quarter and outlook. Read More. | Read More.
• Negative Sentiment: FY2026 guidance below consensus — management trimmed FY2026 EPS to 5.90 versus a ~6.46 consensus, representing a meaningful downward revision that pressures near-term valuation and is likely the primary driver of any stock weakness.
• Negative Sentiment: Q4 EPS missed estimates — reported EPS was $1.28 vs. analyst consensus $1.46 (a $0.18 miss), which can trigger short-term selling despite other positive metrics. Read More. | Read More.

Analyst Ratings Changes

Several brokerages recently weighed in on TBBK. Raymond James Financial restated a “strong-buy” rating on shares of Bancorp in a research note on Tuesday, January 13th. Weiss Ratings reissued a “hold (c+)” rating on shares of Bancorp in a report on Monday, December 29th. Royal Bank Of Canada reaffirmed an “outperform” rating and set a $57.00 target price on shares of Bancorp in a research note on Wednesday, January 21st. Finally, William Blair set a $60.00 target price on 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 issued a Hold rating to the company’s stock. According to MarketBeat, Bancorp has an average rating of “Moderate Buy” and an average target price of $60.20.

Insiders Place Their Bets

In other Bancorp news, CFO Dominic C. Canuso bought 1,800 shares of the stock in a transaction on Friday, November 14th. The shares were bought 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 in the company, valued at $214,340. This trade represents a 105.88% increase in their position. The transaction was disclosed in a legal filing with the SEC, which is available through this hyperlink. Insiders own 5.60% of the company’s stock.

Hedge Funds Weigh In On Bancorp

A number of institutional investors and hedge funds have recently bought and sold shares of the business. Invesco Ltd. lifted its stake in Bancorp by 4.8% in the 3rd quarter. Invesco Ltd. now owns 2,781,772 shares of the bank’s stock worth $208,327,000 after purchasing an additional 126,302 shares in the last quarter. American Century Companies Inc. boosted its stake in Bancorp by 3.3% during the second quarter. American Century Companies Inc. now owns 2,715,553 shares of the bank’s stock worth $154,705,000 after buying an additional 86,721 shares during the last quarter. Geode Capital Management LLC grew its holdings in Bancorp by 0.5% in the 2nd quarter. Geode Capital Management LLC now owns 1,373,686 shares of the bank’s stock valued at $78,266,000 after buying an additional 7,405 shares in the last quarter. Owls Nest Partners IA LLC increased its stake in shares of Bancorp by 6.4% in the 2nd quarter. Owls Nest Partners IA LLC now owns 1,265,404 shares of the bank’s stock worth $72,090,000 after acquiring an additional 75,635 shares during the last quarter. Finally, Franklin Resources Inc. raised its holdings in shares of Bancorp by 11.5% during the 2nd quarter. Franklin Resources Inc. now owns 1,112,816 shares of the bank’s stock worth $63,397,000 after acquiring an additional 114,846 shares during the period. 96.22% of the stock is currently owned by institutional investors and hedge funds.

Bancorp Stock Performance

The company has a debt-to-equity ratio of 0.29, a quick ratio of 0.89 and a current ratio of 0.91. The firm’s 50-day moving average price is $67.96 and its two-hundred day moving average price is $69.82. The stock has a market cap of $2.87 billion, a price-to-earnings ratio of 13.60 and a beta of 1.27.

About Bancorp

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.