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Bancorp (TBBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Bancorp (TBBK) Q3 2026 earnings results →
Q3 2026 Revenue up 1% year over year to $176M · 36¢ of every $1 of revenue kept as net profit · operating margin 40.8%
Bancorp made $176M in Q3 2026 (+0.7% Y/Y): Net interest income $90.1M, Noninterest income $85.8M. Operating margin 40.8%, net earnings $62.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $175.9M in Q3 2026, up 1% year over year and up 8% from the previous quarter. Net interest income was the largest line at 51% of revenue. Noninterest income added $5.4M year over year (up 7%), 425% of the total change. Net interest income declined 4%.
Operating profit was $71.7M, a 40.8% margin (down 1.1 points year over year). Operating profit fell $1.4M even though revenue rose $1.3M versus a year earlier, so costs grew faster than sales. Total costs grew 3% against revenue growth of 1%. The fastest-growing cost line was Noninterest expense (+13%). Net earnings were $62.8M, up 14% year over year. The effective tax rate was 12.5%.
Operating cash flow was $24.8M (down 52% year over year), 39% of net earnings. Non-cash charges added back $4.4M of share-based compensation. Working capital and other items used $42.4M. Capital expenditures of $401K left free cash flow of $24.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $176M | +0.7% | 40.8% | $62.8M | $24.8M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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Customers and suppliers named in filings
Sells to
- NSTS · Stated in 10-K (named, share not stated) · source
- CATY · Stated in 10-K (named, share not stated) · source
About Bancorp
The Bancorp, Inc. (the “Company,” “we,” “us,” “our” or “the holding company”) is a Delaware financial holding company and our primary, wholly-owned subsidiary is The Bancorp Bank , National Association (the “Bank”). The Bank is a federally chartered commercial bank located in Sioux Falls, South Dakota and is a Federal Deposit Insurance Corporation (“FDIC”) insured institution. The vast majority of our revenue and income is generated through the Bank. As described more fully below, our business strategy is focused on Fintech Solutions, including program sponsorship, payment services, and sponsored lending. We expect our fintech business to generate non-interest income and attract stable, lower cost deposits which we then seek to deploy into lower risk assets in specialized markets through the specialty lending activities of our Credit Solutions business.
In its own words, from its 10-K, filed Feb 25, 2026.
Bancorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +0.7% against the peers' median +6%. Operating margin: 40.8% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| TBBK Bancorp | Q3 2026 | $176M | +0.7% | 40.8% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Bancorp 10-Q on SEC EDGAR · CIK 1295401 · National Commercial Banks
Guidance and outlook
13F: who owns TBBK and who is buying
More on TBBK
History
Every quarter: Q3 2026 results