Bancorp (TBBK) Company Report

American Bancorp Inc. completed its merger with New Republic Partners Inc. on November 7, resulting in New Republic Bank becoming a sister bank under American Bancorp.
Following the merger, American Bancorp now has approximately $900 million in total assets and more than $150 million in equity.
The transaction was structured as a stock-for-stock exchange.
Ralph Strayhorn, Chairman of New Republic Partners, will join the American Bancorp Board of Directors, and Jason Grooters, New Republic's CEO and CFO, has joined American Bancorp as Chief Operating Officer.
Over the past 12 months, American Bancorp more than doubled its total assets from $373 million to approximately $900 million and raised over $100 million of growth capital.

Nov 7, 2025, 12:00 PM

Press Release

The Bancorp Reports Q3 2025 Results and Updates Guidance

TBBK

Earnings

Guidance Update

New Projects/Investments

The Bancorp reported Q3 2025 earnings per share of $1.18 and revenue growth of 23%, including both fee and related interest income.
The company lowered its 2025 EPS guidance to $5.10 but initiated preliminary 2027 EPS guidance of $8.25, targeting a minimum $7 EPS run rate by the end of 2026.
Key fintech initiatives are progressing, with credit sponsorship balances reaching $785 million, an increase of 180% year-over-year, and Cash App revenue anticipated in Q1 2026. The embedded finance platform is also expected to launch in 2026.
The Bancorp plans a restructuring of its institutional banking business in Q4 2025, reducing headcount by 30 to cut run rate expenses by approximately $8 million, and will implement an AI tool in Q1 2026 to save $1.5 million in run rate expenses.
Criticized and substandard assets declined 14% quarter-over-quarter, from $216 million to $185 million.

Oct 31, 2025, 12:00 PM

Transcript

The Bancorp Reports Q3 2025 Results and Updates Guidance

TBBK

Earnings

Guidance Update

New Projects/Investments

The Bancorp reported Q3 2025 earnings per share of $1.18, representing 13% year-over-year EPS growth on 7% revenue growth (excluding consumer fintech loan credit enhancement income) and 6% expense growth.
The company lowered its 2025 EPS guidance to $5.10 but initiated preliminary 2027 EPS guidance of $8.25, targeting a minimum $7 EPS run rate by Q4 2026.
Key fintech initiatives are progressing, with credit sponsorship balances growing 15% quarter-over-quarter to $785 million, embedded finance platform development continuing for a next year launch, and Cash App revenue expected in Q1 2026.
Criticized and substandard assets declined 14% quarter-over-quarter from $216 million to $185 million, with further reductions anticipated in Q4 2025.
Under Project 7, the company is restructuring its institutional banking business, reducing headcount by 30 to cut run rate expenses by approximately $8 million, and implementing an AI tool expected to avoid approximately $1.5 million in run rate expenses over time.

Oct 31, 2025, 12:00 PM

Transcript

The Bancorp Updates 2025 EPS Guidance and Reports Q3 2025 Financials

TBBK

Guidance Update

Earnings

Share Buyback

The Bancorp lowered its 2025 diluted earnings per share (EPS) guidance to $5.10, while reiterating a Q4 2026 annualized "run rate" goal of $7.00 per share and announcing preliminary 2027 full-year guidance of $8.25 per share.
For Q3 YTD 2025, the company reported a Return on Equity (ROE) of 29%, Return on Assets (ROA) of 2.5%, and an Efficiency Ratio of 41%.
The company completed $225 million in common stock repurchases through Q3 2025 and plans an additional $150 million repurchase for Q4 2025. As of Q3 2025, the Tier 1 Leverage Ratio was 9.9%, Tier 1 Risk-based Capital Ratio was 15%, and Total Risk-based Capital Ratio was 16%.
The total principal balance of core lending businesses as of September 30, 2025, was $6.799 billion, with Real Estate Bridge Lending at $2.203 billion, Institutional Banking at $1.895 billion, Small Business Lending at $1.059 billion, Commercial Fleet Leasing at $693 million, and Fintech Solutions Group at $785 million.

Oct 31, 2025, 12:00 PM

Presentation

The Bancorp Reports Q3 2025 Results and Updates EPS Guidance

TBBK

Earnings

Guidance Update

New Projects/Investments

The Bancorp reported Q3 2025 earnings per share of $1.18, with revenue growth of 7% (excluding consumer fintech loan credit enhancement income) and 23% total revenue growth.
The company lowered its 2025 earnings per share guidance to $5.10, while maintaining a target of a minimum $7 earnings per share run rate by the end of 2026, and initiating preliminary 2027 guidance of $8.25 earnings per share.
Key fintech initiatives are progressing, with credit sponsorship balances growing 180% year-over-year to $785 million, the embedded finance platform expected to launch next year, and Cash App revenue anticipated in Q1 2026.
Under its Project 7 initiative, The Bancorp is restructuring its institutional banking business, reducing headcount by 30 to cut run rate expenses by approximately $8 million, and implementing AI tools projected to avoid $1.5 million in run rate expenses.
Criticized and substandard assets decreased 14% quarter-over-quarter, from $216 million to $185 million.

Oct 31, 2025, 12:00 PM

Transcript

The Bancorp Reports Q3 2025 Financial Results and Updates Guidance

TBBK

Earnings

Guidance Update

Share Buyback

The Bancorp reported net income of $54.9 million and diluted EPS of $1.18 for the third quarter of 2025, representing a 13% increase in EPS compared to the prior year period.
The company updated its 2025 EPS guidance, lowering it to $5.10 per share, while targeting a minimum $7.00 EPS run-rate by the fourth quarter of 2026 and initiating preliminary 2027 EPS guidance of $8.25.
Key financial metrics for Q3 2025 included a net interest income of $94.2 million, a net interest margin of 4.45%, return on assets of 2.5%, and return on equity of 27%.
The Bancorp repurchased 2,034,053 shares of common stock at an average cost of $73.74 per share during the quarter ended September 30, 2025, leading to an 8% reduction in outstanding shares year-over-year.

Oct 30, 2025, 8:20 PM

8-K

Endeavor Bancorp Reports Third Quarter 2025 Financial Results

TBBK

Earnings

Endeavor Bancorp reported net income of $1.73 million and diluted earnings per share of $0.46 for the third quarter of 2025. This represents an increase from $1.07 million and $0.28 per diluted share in the second quarter of 2025, and $924,000 and $0.24 per diluted share in the third quarter of 2024.
The company achieved net interest income of $7.7 million in Q3 2025, an increase of 4.0% compared to the preceding quarter and 29.8% compared to the third quarter of 2024.
As of September 30, 2025, total assets increased to $760.2 million, with total loans outstanding at $632.6 million and total deposits at $678.3 million.
Key financial ratios for Q3 2025 included an annualized return on average equity of 13.58%, an annualized return on average assets of 0.90%, and an efficiency ratio of 64.65%. The net interest margin for the quarter was 4.09%.

Oct 28, 2025, 1:00 PM

Press Release

Earnings Transcripts

Quarterly earnings call transcripts for Bancorp.

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