| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 171,921 | 116,994 |
| Depreciation | 3,381 | 2,229 |
| Provision for credit losses on non-consumer fintech loans | 8,123 | 2,368 |
| Provision for credit losses on consumer fintech loans | 128,891 | 89,101 |
| Provision reversal for unfunded commitments | 744 | 253 |
| Net accretion of investment securities discounts/premiums | 3,835 | 2,812 |
| Stock-based compensation expense | 14,797 | 9,766 |
| Realized gains on commercial loans, at fair value | 1,710 | 705 |
| Gain on sale of fixed assets | 30 | 7 |
| Gain on sale of other real estate owned | 594 | - |
| Increase in accrued interest receivable | 2,118 | -1,106 |
| Increase in other assets | 4,972 | -19,127 |
| Increase in consumer fintech loan credit enhancement receivables | -16,409 | -14,073 |
| (decrease) increase in other liabilities | -68 | -4,425 |
| Net cash provided by operating activities | 296,633 | 218,416 |
| Purchase of investment securities available-for-sale | 117,071 | 53,071 |
| Proceeds from redemptions and prepayments of securities available-for-sale | 271,981 | 125,978 |
| Capitalized investment in other real estate owned | 1,880 | 1,756 |
| Sale of repossessed assets | 2,479 | 2,600 |
| Proceeds from sale of other real estate owned | 4,926 | - |
| Net increase in loans | 682,255 | 503,461 |
| Proceeds from sale of fixed assets | 174 | 121 |
| Commercial loans, at fair value drawn during the period | 3,338 | 2,953 |
| Payments on commercial loans, at fair value | 85,320 | 41,174 |
| Purchases of premises and equipment | 1,906 | 1,272 |
| Net cash used in investing activities | -441,570 | -392,640 |
| Net (decrease) increase in deposits | -415,249 | 19,889 |
| Proceeds from short-term borrowings | 200,000 | - |
| Proceeds of senior debt offering, net | 195,953 | - |
| Redemption of senior notes | 96,421 | - |
| Proceeds from the issuance of common stock | 2,061 | - |
| Repurchases of common stock and excise tax | 226,851 | 75,523 |
| Net cash (used in) provided by financing activities | -340,507 | -55,634 |
| Net decrease in cash and cash equivalents | -485,444 | -229,858 |
| Cash and cash equivalents at beginning of period | 570,123 | - |
| Cash and cash equivalents at end of period | 84,679 | - |
Bancorp, Inc. (TBBK)
Bancorp, Inc. (TBBK)