Bancorp (NASDAQ:TBBK) Issues FY 2027 Earnings Guidance

Bancorp (NASDAQ:TBBK) updated its FY 2027 earnings guidance on Friday. The company provided EPS guidance of 8.250-8.250 for the period, compared to the consensus EPS estimate of 6.500. The company issued revenue guidance of -. Bancorp also updated its FY 2026 guidance to 5.900-5.900 EPS.

Bancorp Stock Down 15.7%

Shares of TBBK opened at $59.44 on Friday. The company has a market capitalization of $2.61 billion, a P/E ratio of 12.08 and a beta of 1.27. Bancorp has a one year low of $40.51 and a one year high of $81.65. The business’s 50 day simple moving average is $67.91 and its 200-day simple moving average is $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.

Bancorp (NASDAQ:TBBK) last issued its quarterly earnings results on Thursday, January 29th. The bank reported $1.28 earnings per share (EPS) for the quarter, missing the consensus estimate of $1.46 by ($0.18). Bancorp had a return on equity of 27.74% and a net margin of 26.15%.The company had revenue of $132.21 million for the quarter, compared to analyst estimates of $101.10 million. As a group, sell-side analysts predict that Bancorp will post 5.31 EPS for the current fiscal year.

Wall Street Analyst Weigh In

Several research analysts recently weighed in on the stock. Royal Bank Of Canada reissued an “outperform” rating and set a $57.00 price objective on shares of Bancorp in a research note on Wednesday, January 21st. Raymond James Financial reiterated a “strong-buy” rating on shares of Bancorp in a report on Tuesday, January 13th. William Blair set a $60.00 price target on shares of Bancorp in a report on Wednesday, January 21st. Finally, Weiss Ratings restated a “hold (c+)” rating on shares of Bancorp in a research report on Monday, December 29th. One analyst has rated the stock with a Strong Buy rating, five have assigned a Buy rating and two have issued a Hold rating to the stock. Based on data from MarketBeat, Bancorp has a consensus rating of “Moderate Buy” and a consensus price target of $60.20.

Insider Buying and Selling at Bancorp

In related news, CFO Dominic C. Canuso purchased 1,800 shares of Bancorp stock in a transaction that occurred on Friday, November 14th. The stock was purchased at an average cost of $61.24 per share, with a total value of $110,232.00. Following the completion of the transaction, the chief financial officer owned 3,500 shares of the company’s stock, valued at approximately $214,340. This trade represents a 105.88% increase in their position. The purchase was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through the SEC website. 5.60% of the stock is owned by insiders.

Bancorp News Roundup

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

Institutional Inflows and Outflows

Several hedge funds have recently made changes to their positions in TBBK. Lazard Asset Management LLC acquired a new position in shares of Bancorp during the 2nd quarter worth $53,000. Northwestern Mutual Wealth Management Co. boosted its stake in 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 buying an additional 659 shares in the last quarter. Captrust Financial Advisors bought a new position in Bancorp in the second quarter valued at about $202,000. Mackenzie Financial Corp acquired a new position in Bancorp during the third quarter worth about $220,000. Finally, Inceptionr LLC bought a new position in shares of Bancorp in the third quarter worth about $229,000. 96.22% of the stock is owned by institutional investors.

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.