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The Bancorp logo

The Bancorp

TBBK

The Bancorp Inc. is a financial holding company that operates primarily through its subsidiary, The Bancorp Bank, N.A., as a leading provider of private-label banking and technology solutions.

Market cap
$2.86B-1.7%
Revenue$689.8M+17.8%
Net income$231.1M+5.9%
Free cash flow$379.5M+85.2%
EPS (diluted)$5.14+16.3%
Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q1 2026 report

April 23, 2026
Revenue$161.3MMiss by $28.0MEPS$1.41Beat by $0.07

Next report

Jul 30, 2026 (Today)
Revenue estimate$166.7M
EPS estimate$1.37

Financials

Q1 2026

Income statement

See full
Revenue$161.3M-8.0%
Net income$60.1M+5.1%
EPS (diluted)$1.41+18.5%

Balance sheet

See full
Cash & equivalents$67.2M-93.4%
Total debt$483.6M+3,357%
Total equity$697.0M-16.0%
Total assets$9.9B+5.5%

Cash flow

See full
Operating cash flow$85.2M-9.8%
CapEx$468.0K-38.8%
Free cash flow$84.8M-9.6%

Valuation & ratios

Valuation

See full
Market cap$2.86B-1.7%
Enterprise value$3.28B+22.6%
P/E12.4×-1.0×
P/S4.2×-0.5×

Profitability

See full
Net margin33.5%-3.8pp

Returns & leverage

See full
Return on equity30.3%+3.8pp
Debt / equity0.7×+0.7×

Segments

By product

See full
Total Fintech Fees$38.1M+10.5%
Prepaid Card Fees$26.7M+3.7%
Credit Card Merchant Discount$5.8M+12.9%
Consumer Credit Fintech Fees$5.6M+55.4%

Competitors

By market cap

Fifth Third Bank logo
Fifth Third Bank$52.4B+84.0%
The Bancorp logo
The Bancorp$2.9B-4.6%
Customers Bancorp logo
Customers Bancorp$2.7B+30.4%
Live Oak Bancshares logo
Live Oak Bancshares$2.0B+31.6%
Pathward Financial, Inc. logo
Pathward Financial, Inc.$1.9B+4.9%
Coastal Financial logo
Coastal Financial$1.1B-23.8%
Green Dot logo
Green Dot$758.4M+31.5%
Primis Financial Corp. logo
Primis Financial Corp.$398.1M+40.3%

By revenue growth

Customers Bancorp logo
Customers Bancorp+34.8%
Fifth Third Bank logo
Fifth Third Bank+23.8%
Green Dot logo
Green Dot+19.0%
Live Oak Bancshares logo
Live Oak Bancshares+18.7%
The Bancorp logo
The Bancorp+17.8%
Pathward Financial, Inc. logo
Pathward Financial, Inc.-0.8%
Coastal Financial logo
Coastal Financial-3.6%

By net margin

The Bancorp logo
The Bancorp33.5%-3.8pp
Customers Bancorp logo
Customers Bancorp31.61%+10.0pp
Live Oak Bancshares logo
Live Oak Bancshares22.89%+12.0pp
Primis Financial Corp. logo
Primis Financial Corp.21.89%—
Fifth Third Bank logo
Fifth Third Bank21.84%-5.1pp
Pathward Financial, Inc. logo
Pathward Financial, Inc.21.3%-0.4pp
Coastal Financial logo
Coastal Financial8.93%+0.5pp
Green Dot logo
Green Dot-3.25%-2.9pp

Profile

The Bancorp Inc. is a financial holding company that operates primarily through its subsidiary, The Bancorp Bank, N.A., as a leading provider of private-label banking and technology solutions. The company specializes in partnering with fintech innovators to deliver payment, deposit, and sponsored lending products while utilizing the resulting low-cost deposits to fund specialized credit solutions. Its core value proposition lies in providing the regulatory and technological infrastructure that enables non-bank entities to offer comprehensive financial services.

Competitive position

A leading fintech-focused bank that maintains a competitive advantage through its specialized regulatory compliance infrastructure and its exemption from certain interchange fee limits due to its asset size management.

GeographiesUnited States
Customer segmentsFintech startups, High-net-worth individuals, Small and medium enterprises, Institutional investors
Business modelBanking-as-a-Service (BaaS), B2B2C, Asset-based lending, Transaction-based fees
SuppliersCard networks (Visa, Mastercard), Core banking system providers, Cloud infrastructure providers, Data processing vendors
CustomersFintech platform end-users, Commercial fleet operators, Multi-family housing developers, Wealth management advisory firms
CountryUnited States of America
Listed2004
Employees757.0
CEODamian Kozlowski
SectorFinancial Services
IndustryBanks - Regional
Websitethebancorp.com
FilingsSEC EDGAR

Questions, answered.

What is The Bancorp's market cap?
The Bancorp (TBBK) has a market capitalization of $2.9B and trades on NASDAQ.
What is The Bancorp's revenue and profitability?
The Bancorp generated $689.8M in trailing twelve-month revenue with net income of $231.1M, representing a net margin of 33.5%. Gross margin stands at 100.0%, with free cash flow of $379.5M. These figures are based on the Q1 2026 filing.
Who are The Bancorp's competitors?
The Bancorp's key competitors include Pathward Financial, Coastal Community Bank, TriState Capital, and others. These companies compete in similar markets and product categories.
Who does The Bancorp partner with?
The Bancorp's notable partners include Visa, Mastercard.
What subsidiaries does The Bancorp have?
The Bancorp's subsidiaries include The Bancorp Bank, National Association.
Where is The Bancorp headquartered?
The Bancorp is headquartered in United States of America and employs approximately 757 people. It has been publicly traded since 2004.