TBBK Earnings Prediction
The chart below shows how TBBK performed 10 days before and after its earnings report, based on data from the past quarters. Typically, TBBK sees a -4.98% change in stock price 10 days leading up to the earnings, and a +0.70% change 10 days following the report. On the earnings day itself, the stock moves by +1.20%. This data can give you a slight idea of what to expect for the next quarter's release.
TBBK Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
145.35M
26.27%
19.88%
Gross Margin
--
--
--
Operating Margin
53.14%
2.02%
-8.06%
Net Margin
38.46%
0.55%
-9.48%
EPS
1.15
41.98%
10.58%
No Data Available
TBBK Earnings Analysis
Bancorp Inc Corporation (TBBK.O) Earnings Conference Call
Positive
EPS Surge and Revenue Growth: The Bancorp reported an EPS of $1.15 for Q4 and $4.29 for the full year 2024, reflecting a year-over-year increase of 4123% for the quarter and driven by an 8% increase in total revenue, excluding certain noninterest income.
Fintech Fees Growth: Total fintech fees grew by 18% year-over-year, with a remarkable 29% growth driven by credit sponsorship and a 78% increase in ACH card and other payment processing fees.
Deposit Growth Surge: Year-end deposits increased by 16% to $6.99 billion, showcasing strong customer growth and deposit retention.
Fintech Growth Projections: The Fintech Solutions Group is expected to approach $1 billion in balances this year, with credit sponsorship fees growing 91% quarter-over-quarter and loan balances increasing by 62%.
2025 Earnings Guidance Affirmed: The company affirmed its 2025 guidance of $5.25 per share, indicating confidence in continued profitability and growth despite planned share buybacks of $150 million.
Negative
Credit Loss Provision Concerns: The Bancorp recorded a provision for credit losses of $1,960,000,000, which indicates significant concerns regarding the quality of its loan portfolio and potential future losses.
Net Interest Margin Decline: Net interest margin (NIM) decreased to 4.55% from 4.78%, reflecting a 130 basis point interest reversal and suggesting ongoing pressure on interest income.
Rising Operational Costs: Non-interest expenses rose by 14% to $5,180,000,000, driven by a 22% increase in salaries and benefits, indicating rising operational costs that could impact profitability.
Share Buyback Reduction: The company reduced its share buyback program by $100,000,000 in 2025, which may signal a lack of confidence in generating sufficient cash flow for shareholder returns amid debt repayment obligations.
Loan-to-Value Ratios Analysis: Outstanding modified rebel loans showed weighted average loan-to-value (LTV) ratios of 73% and 63%, indicating potential risk exposure in the loan portfolio despite management's confidence in collateral values.
TBBK FAQs
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TBBK Earning Call Sentiment
Earnings call transcript: The Bancorp Q4 2024 sees EPS surge, stock reacts
TBBK.O
-1.02%Positive
The earnings call summary presents a positive outlook with strong financial metrics, including a 4123% YoY EPS increase and 8% revenue growth. Despite reduced share buybacks, the company plans further buybacks, signaling confidence. Concerns about NIM erosion and increased staffing costs are offset by stable NIM guidance and a 16% increase in deposits. The Q&A section highlighted continued strong GDV growth and fee income expectations, further supporting a positive sentiment. Given the mid-sized market cap, the stock is likely to experience a positive movement (2% to 8%) over the next two weeks.
