(TBBK) The Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 2.303m USD | Total Return: 6.3% in 12m
Avg Turnover: 24.7M
EPS Trend: 99.0%
Qual. Beats: 1
Rev. Trend: 94.8%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
The Bancorp, Inc. (TBBK) is a financial holding company providing specialized banking and technology solutions through its subsidiary, The Bancorp Bank, N.A. The company serves the fintech and commercial sectors by offering white-label deposit services, prepaid card issuing, and payment processing. Its lending portfolio focuses on niche areas, including securities-backed lines of credit, fleet leasing, and Small Business Administration (SBA) loans.
Operating as a bank-as-a-service (BaaS) provider, The Bancorp generates significant non-interest income by providing the underlying regulatory and technical infrastructure for non-bank financial technology firms. Unlike traditional retail banks that rely heavily on physical branches, this model emphasizes high-volume electronic transactions and institutional partnerships to drive growth.
Investors can further examine the companys valuation metrics and historical performance trends on ValueRay. The firm also maintains a commercial real estate bridge lending division and provides automated clearing house (ACH) services to facilitate large-scale digital payments.
- Fintech platform fees and payments volume drive non-interest income growth
- Commercial real estate bridge loan exposure impacts credit loss provisions
- Net interest margin fluctuates based on Federal Reserve benchmark rate changes
- Growth in securities-backed lines of credit expands the interest-earning asset base
- Regulatory scrutiny of partner bank relationships affects fintech ecosystem expansion limits
| Net Income: 231.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.01 > 1.0 |
| NWC/Revenue: -1.04k% < 20% (prev -866.3%; Δ -175.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 217.7m > Net Income 231.1m |
| Net Debt (684.7m) to EBITDA (311.3m): 2.20 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (42.6m) vs 12m ago -11.18% < -2% |
| Gross Margin: 68.38% > 18% (prev 0.66%; Δ 6.77k% > 0.5%) |
| Asset Turnover: 8.08% > 50% (prev 8.06%; Δ 0.01% > 0%) |
| Interest Coverage Ratio: 2.22 > 6 (EBITDA TTM 311.3m / Interest Expense TTM 137.8m) |
| A: -0.82 (Total Current Assets 50.0m - Total Current Liabilities 8.17b) / Total Assets 9.90b |
| B: 0.11 (Retained Earnings 1.07b / Total Assets 9.90b) |
| C: 0.03 (EBIT TTM 306.5m / Avg Total Assets 9.64b) |
| D: 0.12 (Book Value of Equity 1.12b / Total Liabilities 9.20b) |
| Altman-Z'' = -4.69 = D |
| DSRI: 0.05 (Receivables 41.3m/738.7m, Revenue 778.9m/756.9m) |
| GMI: 0.97 (GM 68.38% / 66.36%) |
| AQI: 1.23 (AQ_t 0.99 / AQ_t-1 0.80) |
| SGI: 1.03 (Revenue 778.9m / 756.9m) |
| TATA: 0.00 (NI 231.1m - CFO 217.7m) / TA 9.90b) |
| Beneish M = -3.67 (Cap -4..+1) = AAA |
As of May 29, 2026, the stock is trading at USD 55.07 with a total of 235,907 shares traded.
Over the past week, the price has changed by +0.31%,
over one month by -9.36%,
over three months by +4.92% and
over the past year by +6.33%.
The Bancorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy TBBK.
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 72.7 | 32% |
P/E Trailing = 10.7626
P/E Forward = 14.5985
P/S = 4.3346
P/B = 3.2886
P/EG = 1.0696
Revenue TTM = 778.9m USD
EBIT TTM = 306.5m USD
EBITDA TTM = 311.3m USD
Long Term Debt = 223.3m USD (from longTermDebt, last quarter)
Short Term Debt = 470.0m USD (from shortTermDebt, last quarter)
Debt = 693.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 684.7m USD (calculated: Debt 693.3m - CCE 8.67m)
Enterprise Value = 2.99b USD (2.30b + Debt 693.3m - CCE 8.67m)
Interest Coverage Ratio = 2.22 (Ebit TTM 306.5m / Interest Expense TTM 137.8m)
EV/FCF = 12.14x (Enterprise Value 2.99b / FCF TTM 246.1m)
FCF Yield = 8.24% (FCF TTM 246.1m / Enterprise Value 2.99b)
FCF Margin = 31.60% (FCF TTM 246.1m / Revenue TTM 778.9m)
Net Margin = 29.67% (Net Income TTM 231.1m / Revenue TTM 778.9m)
Gross Margin = 68.38% ((Revenue TTM 778.9m - Cost of Revenue TTM 246.3m) / Revenue TTM)
Gross Margin QoQ = 83.31% (prev 75.61%)
Tobins Q-Ratio = 0.30 (Enterprise Value 2.99b / Total Assets 9.90b)
Interest Expense / Debt = 19.88% (Interest Expense 137.8m / Debt 693.3m)
Taxrate = 23.69% (18.6m / 78.7m)
NOPAT = 233.9m (EBIT 306.5m * (1 - 23.69%))
Current Ratio = 0.00 (Total Current Assets 50.0m / Total Current Liabilities 14.9b)
Debt / Equity = 0.99 (Debt 693.3m / totalStockholderEquity, last quarter 697.0m)
Debt / EBITDA = 2.20 (Net Debt 684.7m / EBITDA 311.3m)
Debt / FCF = 2.78 (Net Debt 684.7m / FCF TTM 246.1m)
Total Stockholder Equity = 756.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.40% (Net Income 231.1m / Total Assets 9.90b)
RoE = 30.56% (Net Income TTM 231.1m / Total Stockholder Equity 756.3m)
RoCE = 31.29% (EBIT 306.5m / Capital Employed (Equity 756.3m + L.T.Debt 223.3m))
RoIC = 2.37% (NOPAT 233.9m / Invested Capital 9.89b)
WACC = 12.27% (E(2.30b)/V(3.00b) * Re(11.40%) + D(693.3m)/V(3.00b) * Rd(19.88%) * (1-Tc(0.24)))
Discount Rate = 11.40% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.21 | Cagr: -10.36%
[DCF] Terminal Value 63.98% ; FCFF base≈240.6m ; Y1≈253.4m ; Y5≈295.4m
[DCF] Fair Price = 48.75 (EV 2.71b - Net Debt 684.7m = Equity 2.03b / Shares 41.6m; r=12.27% [WACC]; 5y FCF grow 5.90% → 2.50% )
EPS Correlation: 98.99 | EPS CAGR: 19.91% | SUE: 0.94 | # QB: 1
Revenue Correlation: 94.85 | Revenue CAGR: 17.05% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.36 | Chg30d=+0.99% | Revisions=+14% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.43 | Chg30d=-4.67% | Revisions=-43% | Analysts=3
EPS current Year (2026-12-31): EPS=5.91 | Chg30d=-0.11% | Revisions=-20% | GrowthEPS=+20.1% | GrowthRev=-4.2%
EPS next Year (2027-12-31): EPS=8.07 | Chg30d=-0.37% | Revisions=-33% | GrowthEPS=+36.5% | GrowthRev=+0.6%
[Analyst] Revisions Ratio: -43%