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

The Bancorp, Inc. (NASDAQ:TBBK) shares were down 9.3% during mid-day trading on Friday following a weaker than expected earnings announcement. The stock traded as low as $66.12 and last traded at $63.9510. Approximately 41,053 shares changed hands during trading, a decline of 93% from the average daily 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 return on equity of 27.97% and a net margin of 26.15%.The business had revenue of $132.21 million during the quarter, compared to analysts’ expectations of $101.10 million.

Key Headlines Impacting Bancorp

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 Upgrades and Downgrades

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

Insider Buying and Selling

In other Bancorp news, CFO Dominic C. Canuso purchased 1,800 shares of the business’s stock in a transaction on Friday, November 14th. The shares were bought at an average cost of $61.24 per share, for a total transaction of $110,232.00. Following the completion of the purchase, the chief financial officer directly owned 3,500 shares in the company, valued at approximately $214,340. This represents a 105.88% increase in their ownership of the stock. The acquisition was disclosed in a legal filing with the SEC, which can be accessed through this link. 5.60% of the stock is owned by company insiders.

Institutional Investors Weigh In On Bancorp

Hedge funds and other institutional investors have recently made changes to their positions in the business. Royal Bank of Canada increased its stake in Bancorp by 98.2% in the first quarter. Royal Bank of Canada now owns 76,696 shares of the bank’s stock valued at $4,052,000 after purchasing an additional 37,993 shares during the last quarter. AQR Capital Management LLC boosted its holdings in shares of Bancorp by 15.9% in the 1st quarter. AQR Capital Management LLC now owns 16,734 shares of the bank’s stock valued at $884,000 after buying an additional 2,296 shares in the last quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. grew its position in shares of Bancorp by 1.9% in the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 27,183 shares of the bank’s stock valued at $1,436,000 after buying an additional 518 shares during the last quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC raised its stake in Bancorp by 6.1% during the 1st quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 147,523 shares of the bank’s stock worth $7,795,000 after acquiring an additional 8,454 shares in the last quarter. Finally, Jane Street Group LLC raised its stake in Bancorp by 145.8% during the 1st quarter. Jane Street Group LLC now owns 128,173 shares of the bank’s stock worth $6,773,000 after acquiring an additional 76,027 shares in the last quarter. Institutional investors and hedge funds own 96.22% of the company’s stock.

Bancorp Trading Down 7.2%

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

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.