The Bancorp (NASDAQ:TBBK) fell short of revenue expectations in Q4 CY2025 but saw sales rise 16.1% year on year to $172.6 million. However, GAAP profit of $1.28 per share was 9.9% below analysts’ consensus estimates. Net Interest Income was $92.08 million, Net Interest Margin was 4.3%, and Efficiency Ratio was 42.5%. CEO Damian Kozlowski cited reasons for not meeting expectations, including government shutdown impact and NIM compression. The Bancorp specializes in providing banking services to fintech companies and offering specialty lending products. Its revenue grew at a 20.3% CAGR over the last five years. Tangible Book Value per Share grew at a 10.4% annual clip over the last five years but decelerated to 4% growth over the last two years. The Bancorp’s TBVPS is expected to grow by 16.3% over the next 12 months. The stock traded down 2.7% to $68.53 following the quarterly results.

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