Frank Schiraldi

Timothy Switzer

Joseph Yanchunis

David Feaster

Eric Longach

Joe Yancunis

Tim Switzer

- 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**.  **[0001295401_2218024:5]** 
- 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%**.  **[0001295401_2218024:5]** 
- The company completed **$225 million** in common stock repurchases through Q3 2025 and plans an additional **$150 million** repurchase for Q4 2025.  **[0001295401_2218024:18]**  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%**.  **[0001295401_2218024:18]** 
- 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**.  **[0001295401_2218024:11]**

The Bancorp Updates 2025 EPS Guidance and Reports Q3 2025 Financials

- 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.  **[1295401_0002039852-25-000175_ex99-1.htm:0]** 
- 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**.  **[1295401_0002039852-25-000175_ex99-1.htm:1]** 
- 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%**.  **[1295401_0002039852-25-000175_ex99-1.htm:0]** 
- 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.  **[1295401_0002039852-25-000175_ex99-1.htm:1]**

The Bancorp Reports Q3 2025 Financial Results and Updates Guidance

- Endeavor Bancorp reported **net income of $1.73 million** and **diluted earnings per share of $0.46** for the third quarter of 2025.  **[1295401_3f198df5f859475582c842e6bf7d97c6_0]**  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.  **[1295401_3f198df5f859475582c842e6bf7d97c6_0]** 
- 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.  **[1295401_3f198df5f859475582c842e6bf7d97c6_0]** 
- 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**.  **[1295401_3f198df5f859475582c842e6bf7d97c6_2]** 
- 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%**.  **[1295401_3f198df5f859475582c842e6bf7d97c6_1]** **[1295401_3f198df5f859475582c842e6bf7d97c6_6]**  The net interest margin for the quarter was **4.09%**.  **[1295401_3f198df5f859475582c842e6bf7d97c6_1]** **[1295401_3f198df5f859475582c842e6bf7d97c6_6]**

Bancorp (TBBK)