Bancorp, Inc. (TBBK)
Bancorp, Inc. (TBBK)
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 60,069 | 56,292 | 54,927 | 116,994 |
| Depreciation | 1,245 | 1,269 | 1,152 | 2,229 |
| Provision for credit losses on non-consumer fintech loans | - | - | 5,755 | 2,368 |
| Provision for credit losses on consumer fintech loans | - | - | 39,790 | 89,101 |
| Provision for credit losses, total | 27,601 | 177,693 | - | - |
| Provision reversal for unfunded commitments | - | - | 491 | 253 |
| Fintech loan credit enhancement income | 28,843 | 169,294 | - | - |
| Accretion of fees, premiums, and discounts, net | 1,048 | 3,851 | 1,023 | 2,812 |
| Stock-based compensation expense | 4,755 | 4,807 | 5,031 | 9,766 |
| Realized gains on commercial loans, at fair value | 6 | 105 | 1,005 | 705 |
| Deferred income tax (benefit) expense | - | -9,246 | - | - |
| (gain) loss on sale of fixed assets | 29 | -28 | 23 | 7 |
| Gain on sale of other real estate owned | - | 160 | 594 | - |
| Decrease (increase) in accrued interest receivable | -1,775 | -741 | 3,224 | -1,106 |
| Decrease in other assets | -16,293 | -22,664 | 24,099 | -19,127 |
| Increase in consumer fintech loan credit enhancement receivables | - | - | -2,336 | -14,073 |
| Increase (decrease) in other liabilities | 3,428 | 7,399 | 4,357 | -4,425 |
| Net cash provided by operating activities | 85,240 | -31,624 | 78,217 | 218,416 |
| Purchase of investment securities available-for-sale | 5,000 | 316,697 | 64,000 | 53,071 |
| Proceeds from redemptions and prepayments of securities available-for-sale | 25,584 | 32,944 | 146,003 | 125,978 |
| Capitalized investment in other real estate owned | 326 | 262 | 124 | 1,756 |
| Sale of repossessed assets | 808 | 1,016 | -121 | 2,600 |
| Proceeds from sale of other real estate owned | - | 1,278 | 4,926 | - |
| Net increase in loans | 677,877 | 490,086 | 178,794 | 503,461 |
| Credit enhancement agreement cash inflows | 30,212 | 151,065 | - | - |
| Proceeds from sale of fixed assets | 40 | 0 | 53 | 121 |
| Commercial loans, at fair value drawn during the period | - | 313 | 385 | 2,953 |
| Payments on commercial loans, at fair value | 11,082 | 3,624 | 44,146 | 41,174 |
| Purchases of premises and equipment | 468 | 5,184 | 634 | 1,272 |
| Net cash used in investing activities | -615,945 | -622,615 | -48,930 | -392,640 |
| Net increase in deposits | 264,529 | 834,699 | -435,138 | 19,889 |
| Proceeds from short-term borrowings | 271,000 | -1,000 | 200,000 | - |
| Proceeds of senior debt offering, net | - | 0 | 195,953 | - |
| Redemption of senior debt maturity | - | 0 | 96,421 | - |
| Proceeds from the issuance of common stock | - | 0 | 2,061 | - |
| Repurchases of common stock and excise tax | 50,290 | 151,490 | 151,328 | 75,523 |
| Net cash provided by financing activities | 485,239 | 682,209 | -284,873 | -55,634 |
| Net (decrease) increase in cash and cash equivalents | -45,466 | 27,970 | -255,586 | -229,858 |
| Cash and cash equivalents, beginning of period | 112,649 | 84,679 | 570,123 | - |
| Cash and cash equivalents, end of period | 67,183 | 112,649 | 84,679 | - |