(TBBK) The Bancorp - Ratings and Ratios
Banking, Deposits, Loans, Prepaid Cards, Payments
TBBK EPS (Earnings per Share)
TBBK Revenue
Description: TBBK The Bancorp
The Bancorp Inc (NASDAQ:TBBK) is a financial holding company that offers a diverse range of banking products and services through its subsidiary, The Bancorp Bank, National Association. The companys business model is centered around providing deposit products, credit facilities, and payment processing services to individuals, businesses, and government entities.
Key aspects of TBBKs business include securities-backed lines of credit, lease financing for commercial vehicle fleets, commercial real estate bridge loans, and consumer fintech loans. The company also provides automated clearing house (ACH) bill payment services, debit and prepaid card issuing services, and account services, positioning it as a significant player in the digital payments space.
From a financial perspective, TBBK has demonstrated strong profitability, with a Return on Equity (RoE) of 27.24%. The companys market capitalization stands at approximately $3 billion, with a Price-to-Earnings (P/E) ratio of 13.96. To further analyze the companys performance, other key performance indicators (KPIs) such as the Net Interest Margin (NIM), Efficiency Ratio, and Loan-to-Deposit Ratio could be examined.
In terms of growth prospects, TBBKs diversified business model and expanding presence in the fintech space could be seen as positive factors. Additionally, the companys ability to generate revenue through non-interest income streams, such as payment processing services, could provide a boost to its overall financial performance.
From a valuation perspective, TBBKs current price of $62.49 is above its 200-day moving average of $54.85, indicating a positive trend. However, the stock is currently below its 20-day moving average of $65.25, suggesting some short-term weakness. Further analysis of the companys technical indicators, such as the Relative Strength Index (RSI) and Bollinger Bands, could provide additional insights into its price dynamics.
TBBK Stock Overview
| Market Cap in USD | 3,291m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2004-02-03 |
TBBK Stock Ratings
| Growth Rating | 82.5% |
| Fundamental | 88.8% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 12.8% |
| Analyst Rating | 4.0 of 5 |
TBBK Dividends
Currently no dividends paidTBBK Growth Ratios
| Growth Correlation 3m | 69.8% |
| Growth Correlation 12m | 52.9% |
| Growth Correlation 5y | 92.2% |
| CAGR 5y | 43.81% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.21 |
| CAGR/Mean DD 3y (Pain Ratio) | 3.87 |
| Sharpe Ratio 12m | 0.42 |
| Alpha | 5.54 |
| Beta | 1.320 |
| Volatility | 52.49% |
| Current Volume | 470.7k |
| Average Volume 20d | 470.7k |
| Stop Loss | 69.8 (-5.3%) |
| Signal | 0.30 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (224.4m TTM) > 0 and > 6% of Revenue (6% = 48.9m TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 1.51pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -639.8% (prev -693.7%; Δ 53.97pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 355.8m > Net Income 224.4m (YES >=105%, WARN >=100%) |
| Net Debt (-216.6m) to EBITDA (304.5m) ratio: -0.71 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.33 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (47.6m) change vs 12m ago -7.35% (target <= -2.0% for YES) |
| Gross Margin 63.24% (prev 72.66%; Δ -9.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 9.61% (prev 7.83%; Δ 1.77pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.63 (EBITDA TTM 304.5m / Interest Expense TTM 184.2m) >= 6 (WARN >= 3) |
Altman Z'' -3.18
| (A) -0.59 = (Total Current Assets 2.55b - Total Current Liabilities 7.77b) / Total Assets 8.84b |
| (B) 0.10 = Retained Earnings (Balance) 896.1m / Total Assets 8.84b |
| (C) 0.04 = EBIT TTM 300.3m / Avg Total Assets 8.49b |
| (D) 0.12 = Book Value of Equity 945.9m / Total Liabilities 7.98b |
| Total Rating: -3.18 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 88.80
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 21.98% = 5.0 |
| 3. FCF Margin 42.92% = 7.50 |
| 4. Debt/Equity 0.14 = 2.49 |
| 5. Debt/Ebitda -0.71 = 2.50 |
| 6. ROIC - WACC (= 12.17)% = 12.50 |
| 7. RoE 27.24% = 2.27 |
| 8. Rev. Trend 93.71% = 7.03 |
| 9. EPS Trend -9.69% = -0.48 |
What is the price of TBBK shares?
Over the past week, the price has changed by -3.48%, over one month by -6.37%, over three months by +6.46% and over the past year by +31.33%.
Is The Bancorp a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TBBK is around 87.21 USD . This means that TBBK is currently undervalued and has a potential upside of +18.33% (Margin of Safety).
Is TBBK a buy, sell or hold?
- Strong Buy: 0
- Buy: 3
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the TBBK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 76.5 | 3.8% |
| Analysts Target Price | 76.5 | 3.8% |
| ValueRay Target Price | 99.9 | 35.5% |
Last update: 2025-10-20 04:04
TBBK Fundamental Data Overview
P/E Trailing = 15.3634
P/S = 6.3791
P/B = 3.9957
P/EG = 1.46
Beta = 1.32
Revenue TTM = 815.8m USD
EBIT TTM = 300.3m USD
EBITDA TTM = 304.5m USD
Long Term Debt = 123.7m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 123.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -216.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.59b USD (3.29b + Debt 123.7m - CCE 1.82b)
Interest Coverage Ratio = 1.63 (Ebit TTM 300.3m / Interest Expense TTM 184.2m)
FCF Yield = 21.98% (FCF TTM 350.1m / Enterprise Value 1.59b)
FCF Margin = 42.92% (FCF TTM 350.1m / Revenue TTM 815.8m)
Net Margin = 27.51% (Net Income TTM 224.4m / Revenue TTM 815.8m)
Gross Margin = 63.24% ((Revenue TTM 815.8m - Cost of Revenue TTM 299.9m) / Revenue TTM)
Gross Margin QoQ = 60.33% (prev 57.52%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.59b / Total Assets 8.84b)
Interest Expense / Debt = 36.91% (Interest Expense 45.7m / Debt 123.7m)
Taxrate = 24.89% (19.8m / 79.6m)
NOPAT = 225.5m (EBIT 300.3m * (1 - 24.89%))
Current Ratio = 0.33 (Total Current Assets 2.55b / Total Current Liabilities 7.77b)
Debt / Equity = 0.14 (Debt 123.7m / totalStockholderEquity, last quarter 860.3m)
Debt / EBITDA = -0.71 (Net Debt -216.6m / EBITDA 304.5m)
Debt / FCF = -0.62 (Net Debt -216.6m / FCF TTM 350.1m)
Total Stockholder Equity = 823.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.54% (Net Income 224.4m / Total Assets 8.84b)
RoE = 27.24% (Net Income TTM 224.4m / Total Stockholder Equity 823.8m)
RoCE = 31.70% (EBIT 300.3m / Capital Employed (Equity 823.8m + L.T.Debt 123.7m))
RoIC = 23.66% (NOPAT 225.5m / Invested Capital 953.5m)
WACC = 11.49% (E(3.29b)/V(3.41b) * Re(10.88%) + D(123.7m)/V(3.41b) * Rd(36.91%) * (1-Tc(0.25)))
Discount Rate = 10.88% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.32%
[DCF Debug] Terminal Value 72.78% ; FCFE base≈290.1m ; Y1≈357.9m ; Y5≈610.6m
Fair Price DCF = 142.0 (DCF Value 6.54b / Shares Outstanding 46.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -9.69 | EPS CAGR: -53.49% | SUE: -4.0 | # QB: 0
Revenue Correlation: 93.71 | Revenue CAGR: 31.28% | SUE: 1.25 | # QB: 5
Additional Sources for TBBK Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle