Bancorp, Inc.TBBK

時価総額

$31.2億

PER

フィンテック向けプライベートラベル銀行業務と決済サービスの米国有力企業。銀行発行のプリペイド・デビットカード口座とアフィニティ銀行を展開。投資有価証券残高15億ドル（2024年12月31日）と2024年の消費者向けフィンテック貸出開始、2024〜25年の自社株買いを実施。米国全域で展開。

概要財務

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	2011年 12月31日	2012年 12月31日	2013年 12月31日	2014年 12月31日	2015年 12月31日	2016年 12月31日	2017年 12月31日	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Net income	9	17	25	-	13	-96	22	89	52	80	111	130	192	218
Depreciation	-	-	-	-	-	-	-	-	-	-	-	-	-	4
Provision for Credit Losses on Loans	-	-	-	-	-	-	-	-	-	-	-	-	-	8
Provision for consumer fintech loans	-	-	-	-	-	-	-	-	-	-	-	-	-	20
(Reversal) provision for unfunded commitments	-	-	-	-	-	-	-	-	-	-	-	-	-	1
Net amortization of investment securities discounts/premiums	-1	-2	-7	-14	-13	-8	-11	-16	-20	-16	-3	-2	-1	3
Share-based Compensation	2	3	3	3	2	3	3	3	6	6	9	8	11	15
Realized gains on commercial loans, at fair value	0	2	17	13	10	-3	18	21	25	2	13	19	7	4
Deferred income tax expense (benefit)	-2	-3	-2	-14	0	-14	21	16	2	-1	1	6	-6	2
Gain from discontinued operations	-	-	-	-	-	-	-	-4	-2	-1	2	0	-	-
Gain on sale of fixed assets	-	-	-0	-0	-0	-0	-0	-0	-	-	-	-	-	0
Impairment of Real Estate	-	-	-	-	-	-	-	0	-	-	-	-	1	-
Change In Fair Value Of Loans Held For Sale	-	-	-	-	-	-	-	-	-1	4	2	6	3	1
Change in fair value of derivatives	-	-	-	-	-	-	-	1	-2	-2	2	1	-0	-0
Loss on sales of investment securities	-	-	-	-	-	-	-	0	-	-	-0	-0	-0	-0
Increase in accrued interest receivable	-0	1	3	3	-2	1	0	2	1	7	-3	14	6	4
Increase in other assets	-1	9	5	-22	-2	10	27	8	10	-2	17	2	38	26
(Decrease) increase in other liabilities	1	8	15	-26	4	27	6	9	11	9	-18	-5	12	-1
Net cash provided by operating activities	38	33	49	-50	-235	-218	-34	-174	-493	-512	84	121	187	230
Purchase of investment securities available-for-sale	-	-	-	-	-	-	-	-	-	-	259	24	49	991
Proceeds from redemptions and prepayments of securities available-for-sale	36	155	335	188	244	214	278	208	174	234	492	161	71	243
Sale of repossessed assets	-	-	-	-	-	-	-	-	-	15	1	2	8	11
Proceeds from sale of other real estate owned	1	6	2	-	-	-	0	0	-	-	0	2	6	2
Net (increase) decrease in loans	148	182	139	240	205	146	173	115	323	836	1,096	1,680	-142	877
Capitalized investment in other real estate owned	-	-	-	-	-	-	-	-	-	-	-	-	-	2
Commercial loans, at fair value drawn during the period	-	-	-	-	-	-	-	-	-	-	128	66	134	-
Payments on commercial loans, at fair value	-	-	-	-	-	-	-	-	-	-	645	782	384	110
Proceeds from sale of fixed assets	0	0	0	0	0	1	1	-	-	0	-	-	-	0
Purchases of premises and equipment	2	5	9	7	9	8	1	2	2	4	2	5	13	5
Decrease in discontinued assets held-for-sale	-	-	-	-	-	-	-	8	6	6	5	0	-	-
Net cash (used in) provided by investing activities	-356	-472	-746	-419	501	-99	-78	85	-233	-596	-306	-828	416	-1,510
Net increase (decrease) in deposits	658	631	960	349	-207	-176	23	-325	1,116	410	515	1,053	-349	1,065
Net decrease in securities sold under agreements to repurchase	19	-15	3	-2	-18	-1	-0	-0	-0	-0	-	-	-	-0
Redemptions of senior debt offering	-	-	-	-	-	-	-	-	-	-	-	-	3	-
Proceeds from issuance of common stock	55	42	2	-	-	75	-0	-	-	-	-	-	0	-
Repurchases of common stock and excise tax	1	-	-	-	-	-	-	-	-	-	40	60	100	252
Net cash provided by (used in) financing activities	595	658	967	347	-226	161	22	-265	1,117	509	478	994	-452	813
Net (decrease) increase in cash and cash equivalents	-	-	-	-	-	-	-	-	390	-599	256	286	150	-468
Interest paid	-	-	-	-	-	-	15	27	38	13	12	58	156	174
Taxes paid	6	11	18	3	1	2	4	13	21	23	44	38	83	81
Transfer of loans from discontinued operations	-	-	33	-	-	-	-	-	-	-	23	62	-	-
Transfer to Other Real Estate	-	5	26	1	-	-	0	-	5	4	2	17	-	-
Transfers to other real estate owned from commercial loans, at fair value, and loans, net	-	-	-	-	-	-	-	-	-	-	-	-	-	45
Leased vehicles transferred to repossessed assets	-	-	-	-	-	-	-	-	-	15	1	2	9	10