Bancorp, Inc.TBBK

Market cap

$3.1B

P/E ratio

	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Loans, including fees	75	78	83	36	50	68	79	95	127	171	193	276	437	459
Taxable interest	10	13	16	21	20	31	36	42	42	38	29	26	39	66
Tax-exempt interest	3	3	5	11	11	1	0	0	0	0	0	0	0	0
Interest-earning deposits	1	2	2	2	2	2	5	9	10	2	1	7	34	26
Total interest income	88	97	107	71	84	102	122	148	180	211	222	308	510	552
Deposits	11	10	10	11	13	11	14	26	34	13	6	51	149	164
Short-term borrowings	0	-	-	-	0	0	0	0	3	0	0	2	0	2
Long-term borrowings	-	-	-	-	-	-	-	-	-	2	5	1	1	2
Senior debt	-	-	-	-	-	-	-	-	-	-	-	5	5	5
Subordinated debentures	1	1	1	0	0	1	1	1	1	1	0	1	1	1
Total interest expense	-	-	-	-	-	-	-	-	-	-	-	-	-	175
Net interest income	76	85	96	59	70	90	107	121	141	195	211	249	354	376
Provision for credit losses on non-consumer fintech loans	-	-	-	-	-	-	-	-	-	-	-	-	-	9
Provision for consumer fintech loans	-	-	-	-	-	-	-	-	-	-	-	-	-	20
Provision (reversal) for unfunded commitments	-	-	-	-	-	-	-	-	-	-	-	-	-	1
Provision Reversal For Credit Loss On Security	-	-	-	-	-	-	-	-	-	-	-	-	-	-1
Net interest income after provision (reversal) for credit losses	55	63	66	58	68	87	104	117	137	189	208	242	336	349
Credit Card Merchant Discount	-	-	-	-	-	-	-	9	9	7	-	9	10	15
Prepaid Card Fees	-	-	-	-	-	-	-	-	-	-	-	77	89	97
Consumer Credit Fintech Fees	-	-	-	-	-	-	-	-	-	-	-	-	-	5
Fees	-	-	-	-	-	-	-	-	-	-	8	-	-	117
Gain (Loss) on Sales of Loans, Net	-	2	17	13	10	3	18	20	24	-4	15	14	4	3
Leasing Income	-	-	-	-	-	-	3	3	3	3	6	5	6	4
Consumer fintech loan credit enhancement	-	-	-	-	-	-	-	-	-	-	-	-	-	20
Other	3	1	4	2	5	5	2	2	2	4	1	1	3	3
Total non-interest income	31	50	83	85	133	42	92	154	104	85	105	106	112	146
Salaries and employee benefits	31	40	53	61	68	82	76	80	94	102	106	105	121	132
Depreciation	-	-	-	-	-	-	-	-	-	-	-	-	-	4
Rent and related occupancy cost	3	3	4	5	6	6	6	5	7	6	5	5	6	7
Data processing expense	9	10	11	13	14	15	10	6	5	5	5	5	5	6
Audit expense	1	1	1	1	2	1	2	2	2	1	1	2	2	1
Legal expense	3	4	6	2	4	7	8	8	5	5	7	4	4	3
Legal Settlement	-	-	-	-	-	-	-	-	-	-	-	1	-	0
FDIC insurance	3	3	4	7	11	10	10	9	7	10	6	3	3	4
Software	-	-	-	-	-	-	13	13	13	14	16	16	17	18
Insurance	-	-	-	2	2	2	2	3	2	3	4	5	5	5
Communication	-	-	-	-	-	-	-	-	1	2	2	1	1	1
Consulting	-	-	-	-	-	-	2	3	3	1	1	1	2	2
Write-downs and other losses on other real estate owned	-	-	-	-	-	-	-	-	-	-	-	-	-1	-
Civil money penalty	-	-	-	-	-	-	-	-	-	-	-	2	-	-
Other	13	15	19	16	21	17	14	13	13	13	13	15	19	20
Total non-interest expense	72	88	111	136	194	199	155	151	169	165	168	170	191	203
Income before income taxes	-	-	-	-	-	-	-	-	-	-	144	178	257	292
Income tax expense	4	8	14	-15	1	-13	23	32	21	28	34	48	64	75
Net income	9	17	25	-	13	-96	22	89	52	80	111	130	192	218
Earnings Per Share, Basic	0.28	0.5	0.67	1.52	0.35	-2.17	0.39	1.57	0.91	1.39	1.93	2.3	3.52	4.35
Earnings Per Share, Diluted	0.28	0.5	0.66	1.49	0.35	-2.17	0.39	1.55	0.9	1.37	1.88	2.27	3.49	4.29