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Bancorp (TBBK) guidance and outlook
Bancorp (TBBK) initiated its guidance on Oct 29, 2026: EPS $5.95–$6.05 for FY2026; EPS $7.00–$7.20 for FY2027; EPS $8.00–$8.20 for FY2028; Tax rate 23.9% for FY2026. Bancorp's 10-Q filed Nov 5, 2026 makes 12 forward-looking statements.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| EPS | FY2026 | $5.95–$6.05 | reaffirmed |
| EPS | FY2027 | $7.00–$7.20 | reaffirmed |
| EPS | FY2028 | $8.00–$8.20 | initiated |
| Tax rate | FY2026 | 23.9% | new |
From the earnings release filed Oct 29, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Nov 5, 2026
- This information is intended to facilitate your understanding and assessment of significant changes and trends related to our financial condition and results of operations .
- • increased competition may reduce our client base or cause us to lose market share;
- • our ability to obtain the anticipated benefits and cost savings of our organizational restructuring activities;
- As part of the restructuring, we intend to discontinue the origination of retail and wholesale SBL loans by the end of 2026 while continuing to manage the existing SBL loan portfolio.
- As part of our long-term strategic plan, in September 2026, we announced that as part of our organizational restructuring, we intend to discontinue the origination of retail and wholesale SBL loans by the end of 2026.
- We expect to continue to increase the proportion of Fintech loans in our portfolio through the remainder of 2026 and beyond, and therefore we expect to see continued compression in our average rate earned on loans, and net interest margin, as the mix of fintech loans continues to grow.
- However, we also expect growth in our fintech fees within non-interest income driven by the increase in that portfolio.
- We expect to continue to invest in tax credits in future periods, resulting in an estimated annual future effective tax rate of approximately 23.9%, compared to the full year 2025 effective tax rate of 24.7%.
- We expect to continue to increase the proportion of Fintech loans in our portfolio for the remainder of 2026 and beyond, and therefore we expect to see continued compression in our average rate earned on loans, and net interest margin, as the mix of fintech loans continues to grow.
- We review the adequacy of our ACL on at least a quarterly basis to determine a provision for credit losses to maintain our ACL at a level we believe is appropriate to recognize current expected credit losses.
- The measurement of the estimated credit losses and the expected recovery from the credit enhancement are based on the same estimate and correlate to like amounts in our financial statements.
- We expect to continue to maintain our facilities with the FHLB and Federal Reserve.
Bancorp's latest quarter
Bancorp, Q3 2026: revenue $176M (+0.7% year over year), operating margin 40.8%, net earnings $62.8M, operating cash flow $24.8M. The chart follows the revenue to costs, profit and cash.
Questions
Did Bancorp raise or lower its guidance?
Bancorp (TBBK) initiated its guidance on Oct 29, 2026: EPS $5.95–$6.05 for FY2026; EPS $7.00–$7.20 for FY2027; EPS $8.00–$8.20 for FY2028; Tax rate 23.9% for FY2026.
What does Bancorp expect?
This information is intended to facilitate your understanding and assessment of significant changes and trends related to our financial condition and results of operations . • increased competition may reduce our client base or cause us to lose market share; • our ability to obtain the anticipated benefits and cost savings of our organizational restructuring activities;
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.