TBBK at a glance
Bancorp, Inc. (TBBK, SEC CIK 1295401) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 4, 2026 and Form 4 insider filings as recently as August 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Bancorp, Inc. (TBBK) reported revenue of $141.1 million (up 20.8% from FY2024) and net income of $228.2 million. Diluted EPS was $4.92.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding Bancorp, Inc. (TBBK) shares worth $1.3 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Egan Martin on August 6, 2026 of 1,000 shares at $72.07 per share.
- In the last 90 days, TBBK insiders reported 0 open-market purchases ($0) and 2 open-market sales ($220K) on Form 4, a net sale of $220K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $141.1M
- +20.8% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$220K
- 13F holders
- 32 funds
- $1.3B · +1 vs prior quarter
- Latest 8-K
- Sep 4, 2026
- Item 2.05 · Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Deposit funding sourced primarily from multi-year fintech partner relationships with payment, payroll, and government-based accounts
- New senior debt issued: $200 million 7.375% senior notes due 2030, proceeds used to repay matured 4.75% senior notes and fund share repurchase program
- Strategic emphasis on liquidity: Enhanced use of FHLB borrowings ($199 million at 2025 year-end) and off-balance sheet deposits totaling $400 million
- Key metric: Total deposits up 14% to $7.89 billion in 2025, with significant growth in demand and interest checking balances
- Noteworthy fact: Average interest-bearing Fed Reserve balances declined sharply to $225.4 million in Q4 2025 from $527.8 million in Q4 2024 reflecting tighter liquidity management
Risk Factors
- Regulatory risk from potential balance sheet growth exceeding $10 billion, triggering enhanced supervisory requirements under federal banking regulations
- Macroeconomic exposure to interest rate changes affecting deposit competition and liquidity, risking funding impairments and margin compression
- Operational risk in dependence on digital delivery channels, with unique challenges including cybersecurity, customer trust, and lack of physical branch presence
- Competitive threat from larger traditional banks with greater resources to invest in technology-driven product innovations and internet banking services
- Financial risk tied to key-person dependency for implementing operational improvements and managing growth, risking increased costs and reduced profitability
Management Discussion & Analysis
- Revenue fintech fees $141.1M, up 21% YoY from $116.8M; total non-interest income $328.3M, up $170.8M YoY mainly from fintech credit enhancement
- Net income $228.2M, up 5% YoY from $217.5M; net interest margin 4.31% vs 4.85% YoY, decreased 54bps due to fintech loan mix shift
- Best segment fintech loans: $1.10B end 2025, up 142% YoY from $454.4M; worst performing institutional banking restructured with $1.1M charge Q4 2025
- Capital return $375M in 2025 with 5.646M shares repurchased at $66.42 avg; 2026 repurchase authorization $200M; investing in AI and infrastructure upgrades
- Outlook fintech loans expected to grow, causing margin compression; expect continued fintech fee income growth; $8M run-rate expense reductions from restructuring starting 2026
AI summary of the TBBK 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $60.7M, up $0.9M or 1.4% YoY; diluted EPS $1.45 vs $1.27
- Net interest margin 3.85% vs 4.44% YoY; net interest income $90.5M vs $97.5M
- Fintech fees $40.9M, up 14.7% YoY; consumer credit fees $6.5M, up 64.9%
- Provision for credit losses $26.1M vs $44.4M YoY; non-interest expense $56.5M vs $57.2M
- Share repurchases $50.0M across 870,129 shares; continued fintech-loan growth expected to compress margins
Risk Factors
- No material changes to risk factors from the December 31, 2025 Form 10-K
AI summary of the TBBK 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.05: Costs Associated with Exit or Disposal Activities
- Retail and wholesale SBL loan originations targeted for discontinuation by year-end 2026
- 64 positions eliminated, approximately 9% of Bank workforce
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Head of Commercial Lending Jeff Nager expected to depart October 1, 2026, as part of the restructuring
- Departure creates leadership transition risk within commercial lending
Item EX-99.1: Item EX-99.1
- Small Business Lending discontinuing retail and wholesale new originations by end-2026, with existing portfolio continuing under management
- Restructuring eliminates 64 filled positions, or 9% of workforce, plus 16 vacancies not backfilled
Item 7.01: Regulation FD Disclosure
- KBRA affirmed certain long- and short-term credit ratings for Bancorp and The Bancorp Bank, N.A.
- Ratings affirmation supports continued market confidence in the company’s credit quality and funding access
Item EX-99.1: Item EX-99.1
- KBRA affirmed TBBK senior unsecured BBB+, subordinated BBB, and short-term K2 ratings
- Bank ratings affirmed at A- for deposits and senior unsecured debt, BBB+ subordinated debt, and K2 short-term ratings
Item 2.02: Results of Operations and Financial Condition
- Q2 and first-half 2026 earnings covered periods ended June 30, 2026
- Earnings press release furnished as Exhibit 99.1, containing the financial results and management commentary
Item 7.01: Regulation FD Disclosure
- Investor presentation furnished under Regulation FD, making the referenced Exhibit 99.2 material information publicly available
- Presentation content (not included here) likely provides management’s latest investor-facing business or financial update
AI summaries of TBBK 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for TBBK
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Egan Martin | Sell | Aug 6, 2026 | 1,000 | $72.07 |
| Egan Martin | Sell | Aug 6, 2026 | 2,057 | $72.01 |
| Connolly Mark Leo | W | Jun 11, 2026 | 3,200 | - |
| TRYNISKI MARK E | A | May 27, 2026 | 3,600 | - |
| KOZLOV HERSH | A | May 27, 2026 | 3,600 | - |
| Brockman Todd J. | A | May 27, 2026 | 3,600 | - |
| Lamb William H | A | May 27, 2026 | 2,250 | - |
| Allen Dwayne | A | May 27, 2026 | 2,250 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $99.2M | $116.8M | $141.1M |
| Net Income | $192.3M | $217.5M | $228.2M |
| Net Margin | 193.8% | 186.3% | 161.7% |
| Balance Sheet | |||
| Total Assets | $7.7B | $8.7B | $9.4B |
| Equity | $807.3M | $789.8M | $689.8M |
| ROE | 23.8% | 27.5% | 33.1% |
| Per Share | |||
| EPS | - | $4.29 | $4.92 |
| Cash Flow | |||
| Operating CF | $186.7M | $229.5M | $265.0M |
| CapEx | $12.7M | $5.0M | $7.1M |
Source: XBRL data in Bancorp, Inc. (TBBK)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate TBBK share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $1.26B |
| Q1 2026 | 31 | $1.14B |
| Q4 2025 | 27 | $1.62B |
| Q3 2025 | 28 | $1.98B |
| Q2 2025 | 28 | $1.54B |
| Q1 2025 | 24 | $1.01B |
| Q4 2024 | 20 | $973.8M |
| Q3 2024 | 18 | $557.9M |
- D.E. Shaw & Co+145.9K (+349%)
- JPMorgan Chase & Co+83.9K (+155%)
- Citadel Advisors LLC+70.1K (+28%)
- Vanguard Portfolio Management LLC+27.2K (+3%)
- Wells Fargo & Co+20.9K (+72%)
- FMR LLC (Fidelity)−797.0K (-42%)
- Millennium Management−357.7K (-57%)
- Goldman Sachs Group−109.5K (-21%)
- State Street Corp−82.8K (-3%)
- BlackRock−54.3K (-1%)
- Renaissance Technologies LLC+73.2K
- Blackstone Group+11.8K
Source: 13F-HR filings on SEC EDGAR (aggregated from 208 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
TBBK filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 4, 2026 | - | Analysis | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 6, 2026 | - | - | - |
| 8-K | Aug 3, 2026 | - | Analysis | - |
| SC 13G | Jul 31, 2026 | - | - | |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 4 | Jun 12, 2026 | - | - | - |
| 8-K | Jun 1, 2026 | - | Analysis | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 4 | May 28, 2026 | - | - | |
| 10-Q | May 6, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 5, 2026 | - | - | - |
| 4 | Apr 30, 2026 | - | - | - |
| 4 | Apr 30, 2026 | - | - | - |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 4 | Mar 16, 2026 | - | - | - |
| 4 | Mar 2, 2026 | - | - | - |
| 10-K | Feb 25, 2026 | Dec 31, 2025 | Analysis |
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TBBK SEC filings: frequently asked questions
Are TBBK insiders buying or selling?
In the last 90 days, Bancorp, Inc. (TBBK) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $220,195 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold TBBK stock?
As of June 30, 2026, the largest Bancorp, Inc. (TBBK) holders among the 13F filers tracked by SignalX were BlackRock ($379.5 million), State Street Corp ($169.1 million), Vanguard Capital Management LLC ($111.0 million), Dimensional Fund Advisors ($84.1 million), Invesco Ltd ($70.1 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was TBBK's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Bancorp, Inc. (TBBK) reported revenue of $141.1 million (up 20.8% from FY2024) and net income of $228.2 million. Diluted EPS was $4.92. The figures come from the XBRL data in the 10-K.
What are the main risks in TBBK's latest 10-K?
In the 10-K filed February 25, 2026, Bancorp, Inc. (TBBK) flagged: Regulatory risk from potential balance sheet growth exceeding $10 billion, triggering enhanced supervisory requirements under federal banking regulations. Macroeconomic exposure to interest rate changes affecting deposit competition and liquidity, risking funding impairments and margin compression. (AI summary of the Risk Factors section.)
What did TBBK report in its latest 8-K?
Bancorp, Inc. (TBBK) filed an 8-K on September 4, 2026 reporting Item 2.05 (Costs Associated with Exit or Disposal Activities) and Item 5.02 (Departure/Appointment of Directors or Principal Officers). Retail and wholesale SBL loan originations targeted for discontinuation by year-end 2026.
What are the latest TBBK SEC filings?
Bancorp, Inc. (TBBK) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 4, 2026 and a Form 4 insider filing on August 6, 2026.
What is TBBK's SEC CIK number?
Bancorp, Inc. (TBBK)'s SEC Central Index Key (CIK) is 1295401. EDGAR lists every TBBK filing under that number.
Ask anything about TBBK
The research agent reads TBBK's filings, financials, insider trades and 13F holders, then answers with sources.