The Bancorp, Inc. · NASDAQ:TBBK
The Bancorp — Q4 2025 Earnings Presentation
12 slides from The Bancorp's earnings presentation, Jan 30, 2026
Slide 1: The Bancorp Investor Presentation
The Bancorp Investor Presentation January 2026
Slide 2: Forward Looking Statements & Other Disclosures
Forward Looking Statements & Other Disclosures Statements in this presentation regarding The Bancorp, Inc.’s The Bancorp’s filings with the Securities and Exchange Commission, This presentation includes market, industry and economic (“The Bancorp”) business, that are not historical facts, are includ
Slide 3: Company Overview and Our Vision
Company Overview Our Vision We are defining the future of Fostering prosperity banking. Through our dynamic through the perpetual portfolio of payment and lending solutions, we help propel our clients to transformation where they want to be, all while of banking delivering value to the investors we
Slide 4: Business Model and Strategy
Business Model and Strategy Leading fintech sponsor bank combined with specialized lending across our Credit Solutions businesses Program Sponsorship Real Estate Bridge Lending Prepaid debit and credit cards for Focus on value-add multifamily nonbank companies assets in primary markets Payment Servi
Slide 5: Financial Performance Expectations: APEX 2030
Financial Performance Expectations APEX 2030 strategic plan outlines the path to magnify our strong baseline earnings and deliver the financial performance of a fintech focused financial institution Annual EPS Growth (strategy) Established: 10%-15% APEX Maintain and grow sponsor bank market leadersh
Slide 6: Key Financial Metrics and Long-term Strategy
Key Financial Metrics and Long-term Strategy Key Metric 2022 2023 2024 2025 Performance Long-term strategy Return on equity 19% 26% 27% 29% >2.5x banks1 and driven by 50%+ Increasing profitability through shift growing Fintech Solutions and to Fintech dominated company with Credit Solutions a bank R
Slide 7: Earnings Per Share (diluted)
Earnings Per Share1 (diluted) We are focused on the Q4 2026 run-rate as the inflection point where key initiatives accelerate our $9.00 growth and set us on the path to achieving our Apex $8.25 2030 plan: $8.00 $7.00 $7.00 $5.90 $7.00 run rate in Q4 2026 and $8.25 in 2027 key assumptions $6.00 $4.92
Slide 8: Fintech Solutions Overview
Fintech Solutions Overview Experienced fintech experts who combine Key Statistics urgency with rigor, leveraging technology, $1T+ industry knowledge, creative expertise and Total payment regulatory acumen to partner with volume1 fintech innovators. $178B Program Sponsorship Debit, credit, and prepai
Slide 9: Fintech Solutions
Fintech Solutions $7.2B Product overview Deposits1 $103mm $21mm $17mm (95% total bank deposits) 2025 Fee Income 2025 Fee Income 2025 Fee Income Debit and Prepaid Payment Credit Sponsorship • 10+ Distinct consumer and + Services • Full-spectrum suite of + Sponsorship • Origination of multiple = $141m
Slide 10: Credit Solutions Overview
Credit Solutions Overview Balance mix and interest rates Total Loans ($ billions) Business Overview Strategy Q4 Yield $8.0 Fleet vehicle leasing across Deliver strong yields, fee Commercial $7.0 $7.3 Fleet Leasing commercial and government entities income and moderate balance sheet growth 8.0% $6.3
Slide 11: Securities Portfolio Liquidity
Securities Portfolio Liquidity Carefully crafted portfolio focused on fixed rates and Largely comprised of granular, transaction related shorter duration (4.7 years1) deposits with significant unused borrowing capacity Fair value ($ millions) $7.2B $1,750 $1,672 $1,503 7% Other $1,500 6% 14% Deposit
Slide 12: Stock Performance vs Market Benchmarks
Stock Performance vs Market Benchmarks The Bancorp, S&P 500 and NASDAQ Banks indices 5-Year % Change in Stock Price 500% 450% 400% 395% 350% CAGR TBBK 300% 28% 1-Year 250% 33% 3-Year The Bancorp has significantly 38% 5-Year 200% 150% outperformed both broad 100% 82% S&P 500 market indices 50% 80% NA