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Dec 31, 2025
Bancorp Q4 2025 Earnings Report
The Bancorp reported net income of $56.3 million, or $1.28 per diluted share, for the fourth quarter of 2025.
Key Takeaways
The Bancorp reported a strong fourth quarter in 2025 with an 11% increase in diluted EPS to $1.28, driven by a NIM of 4.30%, continued fintech fee growth, and significant share repurchases. Net income reached $56.3 million, and the company saw substantial growth in consumer fintech loans and overall loan portfolio.
Diluted EPS increased by 11% to $1.28 in 4Q 2025 compared to $1.15 in 4Q 2024.
Net interest margin was 4.30% in 4Q 2025, a decrease from 4.55% in 4Q 2024.
Consumer fintech loans grew by 142% year-over-year to $1.10 billion, representing 15.1% of total loans.
The company repurchased $150.0 million of its common stock, or 2,173,518 shares, at an average cost of $69.01 per share during the quarter.
Revenue by Segment
Forward Guidance
The Bancorp is initiating guidance for 2026 with an EPS target of $5.90 and aiming for at least $1.75 per share in 4Q 2026, with a preliminary outlook of $8.25 for 2027. The company plans to return nearly 100% of earnings through share repurchases in 2027.
Positive Outlook
- Initiating 2026 EPS guidance at $5.90.
- Targeting at least $1.75 per share in 4Q 2026.
- Preliminary outlook for 2027 EPS at $8.25.
- Planning $200 million in share repurchases for 2026 ($50 million per quarter).
- Forecasting near 100% of earnings to be returned through share repurchases in 2027.
Challenges Ahead
- EPS gains are subject to development and implementation timelines in Fintech.
- Stock price for buybacks will influence capital return.
- 2025 results fell short of expectations due to prolonged government shutdown's impact on transaction volume and deposit flows.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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