The Bancorp (TBBK) Financial Statements & Analysis

The Bancorp (TBBK) Income Statement

The Bancorp reported revenue of $526.15M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 25.9% from $710.11M a year earlier. Net income was $228.21M, up 4.9% year over year, a net margin of 43.4%. Gross margin was 97.5% and operating margin 57.6%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $205.16M, up 13.2% from the same quarter a year earlier.

The Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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The Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	526.15	710.11	611.60	354.52	312.52	295.40	283.70	301.76	217.01
Cost of Revenue	177.69	214.73	163.79	66.56	14.35	22.27	42.68	30.70	18.26
Gross Profit	512.77	495.38	447.82	347.42	312.52	273.13	241.02	271.06	198.75
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	53.45	147.12	135.13	118.86	44.22	119.90	110.47	96.80	95.25
Operating Expenses	209.73	203.23	191.04	169.50	168.35	164.85	168.52	151.28	158.35
Operating Income	303.04	292.16	256.77	177.91	151.01	113.43	72.49	119.78	40.39
Other Income/Expense
Interest Income	551.37	551.59	509.51	308.30	222.12	210.78	179.57	147.96	122.02
Interest Expense	175.86	175.35	155.46	59.45	11.24	15.92	38.28	27.11	15.34
Other Income/Expense	0.00	0.00	0.00	0.00	-6.85	-5.14	0.00	0.00	0.00
Income
Income Before Tax	303.04	292.16	256.77	177.91	144.17	108.28	72.49	119.78	40.39
Income Tax Expense	74.82	74.62	64.48	47.70	33.72	27.69	21.23	32.24	23.06
Net Income	228.21	217.54	192.30	130.21	221.31	80.08	51.56	88.68	21.67
Net Income - Continuous Operations	228.21	217.54	192.30	130.21	110.65	80.08	51.56	88.68	21.67
Net Income - Discontinued Operations	-	-	-	-	0.21	-	-	-	-
EBITDA	4.65	296.31	259.85	2.90	3.30	112.04	77.72	125.31	46.37
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	4.65	4.16	3.07	2.90	3.30	3.76	5.23	5.53	5.98
Earnings Per Share
Basic EPS	5.00	4.00	4.00	2.00	2.00	1.00	1.00	2.00	-
Diluted EPS	5.00	4.00	3.00	2.00	2.00	1.00	1.00	2.00	-
Basic Shares Outstanding	45.77	50.06	54.51	56.56	57.19	57.48	56.77	56.34	55.69
Diluted Shares Outstanding	46.42	50.71	55.05	57.27	58.83	58.41	57.34	57.07	56.18

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About The Bancorp Financial Statements

What was The Bancorp's revenue in fiscal 2025?

The Bancorp reported revenue of $526.15M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 25.9% from $710.11M a year earlier.

Is The Bancorp profitable?

Yes. The Bancorp earned net income of $228.21M in fiscal 2025, a net margin of 43.4%. In fiscal 2024 it earned $217.54M.

What is The Bancorp's operating margin?

The Bancorp's operating income was $303.04M on revenue of $526.15M in fiscal 2025, an operating margin of 57.6%, compared with 41.1% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition