The Bancorp, Inc. · NASDAQ:TBBK
The Bancorp — Q1 2026 Earnings Presentation
13 slides from The Bancorp's earnings presentation, Apr 24, 2026
Slide 1: The Bancorp Investor Presentation
The Bancorp Investor Presentation April 2026
Slide 2: Forward Looking Statements & Other Disclosures
Forward Looking Statements & Other Disclosures Statements in this presentation regarding The Bancorp, Inc.’s not limited to, the risks and uncertainties referenced or described in This presentation includes market, industry and economic (“The Bancorp”) business, that are not historical facts, are Th
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, lending and platform solutions, we help propel our transformation client's success, while delivering value of banking to the investors we serve, the
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 Focus on value-add multifamily for nonbank companies assets in primary markets Payment Serv
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%+ Increase profitability through shift to growing Fintech Solutions and Fintech dominated company with a Credit Solutions bank Ret
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 growth and set us on the path to achieving our Apex 2030 plan. $9.00 $8.10 - $8.30 $8.00 $7.00 $7.00 run rate in Q4 2026 and $8.10- $7.00 $8.30 in 2027. Key assumptions:
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. $186B Program Sponsorship Debit, credit, and prepai
Slide 9: Fintech Solutions Product Overview
Fintech Solutions Product overview $7.8B Deposits1 $105mm $22mm $18mm (93% total bank deposits) TTM Fee Income TTM Fee Income TTM Fee Income Program Payment Sponsored Sponsorship + Services + Lending = $145mm • 10+ Distinct consumer and • Full-spectrum suite of • Origination of multiple Fee Income2
Slide 10: Credit Solutions Overview
Credit Solutions Overview Balance mix and interest rates Credit Solutions Loans Business Overview Strategy Q1 Yield $7.0 ($ billions) Fleet vehicle leasing across Deliver strong yields, fee Commercial $6.0 $5.8 $6.2 $6.2 Fleet Leasing commercial and government entities income and moderate balance sh
Slide 11: Securities Portfolio and Liquidity
Securities Portfolio Liquidity Carefully crafted portfolio focused on fixed rates with Largely comprised of granular, transaction related a 4.6 year duration1 deposits with significant unused borrowing capacity Fair Value ($ millions) $1,800 $1,672 $7.8B $1,647 3% 3% Other $1,600 $1,503 6% 14% 14% A
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 Price1 300% 250% 159% 200% CAGR TBBK 2% 1-Year 150% 25% 3-Year The Bancorp has significantly 21% 5-Year 100% outperformed both broad 50% 64% S&P 500 market indices 62% NASDAQ and the KBW 0%
Slide 13: Return on Equity vs Market Benchmarks
Return on Equity vs Market Benchmarks The Bancorp, Select Peers, S&P 500 and NASDAQ Banks indices 5-Year ROE Performance1 35% 30% 29% 25% The Bancorp 20% has significantly 16% Select Peers2 increased its 15% profitability since 11% KBW Bank Index 2021 10% 9% KBW Regional Bank Index 5% 0% 2021 2022 2