For the year ending 2025-12-31, TBBK had -$457,474K decrease in cash & cash equivalents over the period. $257,919K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 228,213 |
| Depreciation | 4,650 |
| Provision for credit loss, total | 177,693 |
| Fintech loan credit enhancement income | 169,294 |
| (accretion) amortization of fees, premiums, and discounts, net | 7,686 |
| Stock-based compensation expense | 19,604 |
| Realized gains on commercial loans, at fair value | 1,815 |
| Deferred income tax (benefit) expense | -9,246 |
| Gain on sale of fixed assets | 2 |
| Gain on sale of other real estate owned | 754 |
| Increase in accrued interest receivable | 1,377 |
| Decrease (increase) in other assets | -17,692 |
| Increase (decrease) in other liabilities | 7,331 |
| Net cash provided by operating activities | 265,009 |
| Purchase of investment securities available-for-sale | 433,768 |
| Proceeds from redemptions and prepayments of securities available-for-sale | 304,925 |
| Sale of repossessed assets | 3,495 |
| Proceeds from sale of other real estate owned | 6,204 |
| Net (increase) decrease in loans | 1,172,341 |
| Credit enhancement agreement cash inflows | 151,065 |
| Capitalized investment in other real estate owned | 2,142 |
| Commercial loans, at fair value drawn during the period | 3,651 |
| Payments on commercial loans, at fair value | 88,944 |
| Proceeds from sale of fixed assets | 174 |
| Purchases of premises and equipment | 7,090 |
| Net cash (used in) provided by investing activities | -1,064,185 |
| Net increase (decrease) in deposits | 419,450 |
| Proceeds from short-term borrowings | 199,000 |
| Proceeds of senior debt offering, net | 195,953 |
| Redemption of senior debt maturity | 96,421 |
| Proceeds from the issuance of common stock | 2,061 |
| Repurchases of common stock and excise tax | 378,341 |
| Net cash provided (used in) by financing activities | 341,702 |
| Net (decrease) increase in cash and cash equivalents | -457,474 |
| Cash and cash equivalents, beginning of period | 570,123 |
| Cash and cash equivalents, end of period | 112,649 |
Bancorp, Inc. (TBBK)
Bancorp, Inc. (TBBK)