The Bancorp (TBBK) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - The Bancorp reported revenue of $148.57 million for Q4 2024, a year-over-year increase of 24.7% [1] - The earnings per share (EPS) for the same period was $1.15, up from $0.95 a year ago, representing a surprise of +1.77% over the consensus estimate of $1.13 [1] - The reported revenue exceeded the Zacks Consensus Estimate by +12.76% [1] Financial Performance Metrics - Efficiency Ratio stood at 40%, slightly better than the average estimate of 40.6% from two analysts [4] - Net Interest Margin was reported at 4.6%, below the estimated 4.8% [4] - Average Interest-Earning Assets were $8.29 billion, surpassing the estimated $8.01 billion [4] - Total Non-Interest Income reached $54.27 million, significantly higher than the estimated $35.72 million [4] - Net Interest Income was $94.30 million, slightly below the average estimate of $96.10 million [4] Stock Performance - Shares of The Bancorp have returned +5.2% over the past month, outperforming the Zacks S&P 500 composite's +1.2% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]