TBBK · Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $4.60M | $4.20M | $3.10M | $2.90M | $2.90M | $3.20M |
| Operating Income | $303.04M | $292.16M | $256.77M | $177.91M | $108.28M | $108.28M |
| Interest Expense | - | - | $155.46M | $59.45M | $11.24M | $15.92M |
| Income Tax | $74.82M | $74.62M | $64.48M | $47.70M | $33.72M | $27.69M |
| Net Income | $228.21M | $217.54M | $192.30M | $130.21M | $110.65M | $80.08M |
| EPS - Basic | $4.99 | $4.35 | $3.52 | $2.30 | $1.93 | $1.39 |
| EPS - Diluted | $4.92 | $4.29 | $3.49 | $2.27 | $1.88 | $1.37 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $112.65M | $570.12M | $1.04B | $888.19M | $601.78M | $345.51M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $9.35B | $8.73B | $7.71B | $7.90B | $6.84B | $6.28B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | $14.10M | $38.60M | $10.00M | $39.50M | $41.00M |
| Total Liabilities | $8.66B | $7.94B | $6.90B | $7.21B | $6.19B | $5.70B |
| Stockholders' Equity | $689.80M | $789.78M | $807.28M | $694.03M | $652.45M | $581.16M |
| Retained Earnings | $1.01B | $779.15M | $561.62M | $369.32M | $239.11M | $128.45M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $265.01M | $229.53M | $186.72M | $120.98M | $83.89M | ($512.18M) |
| Investing Cash Flow | ($1.06B) | ($1.51B) | $415.55M | ($828.10M) | ($305.90M) | ($595.79M) |
| Financing Cash Flow | $341.70M | $812.74M | ($452.37M) | $993.52M | $478.28M | $509.02M |
| CapEx | $7.09M | $4.97M | $12.69M | $5.13M | $1.55M | $3.74M |
| Free Cash Flow | $257.92M | $224.56M | $174.03M | $115.85M | $82.34M | ($515.92M) |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.13 | 1.03 | 0.91 | 0.89 | 0.74 | -6.44 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 24.7% | 25.5% | 25.1% | 26.8% | 23.4% | 25.7% |
| Return on assets | 2.4% | 2.5% | 2.5% | 1.6% | 1.6% | 1.3% |
| Return on equity | 33.1% | 27.5% | 23.8% | 18.8% | 17.0% | 13.8% |
| Return on invested capital | - | 27.1% | 22.7% | 18.5% | 12.0% | 12.9% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | 0.02 | 0.05 | 0.01 | 0.06 | 0.07 |
| Debt / Assets | - | 0.00 | 0.01 | 0.00 | 0.01 | 0.01 |
| Debt / EBITDA | - | 0.05 | 0.15 | 0.06 | 0.36 | 0.37 |
| Interest coverage | - | - | 1.7x | 3.0x | 9.6x | 6.8x |
| Equity multiplier | 13.56 | 11.05 | 9.55 | 11.39 | 10.49 | 10.80 |
| Liabilities / Assets | 0.93 | 0.91 | 0.90 | 0.91 | 0.90 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.7x | 12.3x | 11.0x | 12.5x | 13.5x | 10.0x |
| P / B | 4.5x | 3.4x | 2.6x | 2.3x | 2.3x | 1.4x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 9.8x | 7.1x | 4.3x | 4.1x | 8.3x | 4.4x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 3.7% | 13.8% | 44.3% | 64.3% | 0.0% | 49.4% |
| Net income growth (YoY) | 4.9% | 13.1% | 47.7% | 17.7% | 38.2% | 55.3% |
| EPS growth (YoY) | 14.7% | 22.9% | 53.7% | 20.7% | 37.2% | 52.2% |
| EPS CAGR (3y) | 29.4% | 31.7% | 36.6% | 36.1% | 6.6% | 52.0% |
| EPS CAGR (5y) | 29.1% | 36.7% | 17.6% | 42.2% | - | 31.4% |
| FCF growth (YoY) | 14.9% | 29.0% | 50.2% | 40.7% | - | -4.2% |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | -12.7% | -2.2% | 16.3% | 6.4% | 12.3% | 20.0% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: National Commercial Banks
Comparing Bancorp against the 5 most active filers in the same SIC group.