Overview Dividends

(TBBK) The Bancorp - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US05969A1051

Deposits, Lending, Prepaid Cards, Payment Processing, ACH Services

TBBK EPS (Earnings per Share)

EPS Growth (3Y CAGR): 20.29%
EPS Trend (3Y Correlation): 91.3%

TBBK Revenue

Revenue Growth (3Y CAGR): -67.02%
Revenue Trend (3Y Correlation): -44.1%

Risk via 10d forecast
Volatility	44.0%
Value at Risk 5%th	67.2%

Reward
Sharpe Ratio	0.33
Alpha Jensen	-2.84

Character
Hurst Exponent	0.432
Beta	1.320

Drawdowns 3y
Max DD	36.28%
Mean DD	11.57%

Description: TBBK The Bancorp November 09, 2025

The Bancorp, Inc. (NASDAQ:TBBK) is the holding company for The Bancorp Bank, NA, delivering a diversified suite of banking services across the United States. Its product lineup spans traditional deposit accounts (checking, savings, money-market, and commercial), a variety of credit extensions-including securities-backed and insurance-policy-backed lines, investor-advisor financing, lease financing for commercial fleets, commercial-real-estate bridge loans, small-business loans, and consumer fintech credit products such as secured credit cards, fixed-term loans, and payroll advances. The bank also operates a full payments platform, providing ACH bill payment, debit and prepaid card issuing, and related processing services.

As of the most recent quarter, TBBK reported total assets of roughly $5.6 billion and a loan-to-deposit ratio near 71%, indicating a balanced funding structure. Its net interest margin (NIM) has held steady around 3.1% despite a volatile rate environment, reflecting effective asset-liability management. The regional-bank sector is currently driven by Fed policy shifts-higher rates tend to compress margins for low-yield deposit products while expanding earnings on floating-rate loan portfolios, a dynamic that directly influences TBBK’s profitability outlook.

For a deeper, data-rich analysis of TBBK’s valuation and risk profile, you may find the research tools on ValueRay useful.

TBBK Stock Overview

Market Cap in USD	3,554m
Sub-Industry	Regional Banks
IPO / Inception	2004-02-03
Return 12m vs S&P 500	-4.43%
Analyst Rating	4.0 of 5

TBBK Dividends

Currently no dividends paid

TBBK Growth Ratios

CAGR	28.37%
CAGR/Max DD Calmar Ratio	0.78
CAGR/Mean DD Pain Ratio	2.45
Current Volume	582k
Average Volume	559.2k

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (227.8m TTM) > 0 and > 6% of Revenue (6% = 26.5m TTM)

FCFTA 0.04 (>2.0%) and ΔFCFTA 1.60pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 280.4% (prev -694.2%; Δ 974.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.04 (>3.0%) and CFO 355.8m > Net Income 227.8m (YES >=105%, WARN >=100%)

Net Debt (189.8m) to EBITDA (243.3m) ratio: 0.78 <= 3.0 (WARN <= 3.5)

Current Ratio 7.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (47.2m) change vs 12m ago -4.58% (target <= -2.0% for YES)

Gross Margin 1.39% (prev 72.17%; Δ -70.78pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.29% (prev 8.08%; Δ -2.79pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 3.19 (EBITDA TTM 243.3m / Interest Expense TTM 75.9m) >= 6 (WARN >= 3)

Altman Z'' 1.64

(A) 0.14 = (Total Current Assets 1.44b - Total Current Liabilities 200.0m) / Total Assets 8.60b

(B) 0.11 = Retained Earnings (Balance) 951.1m / Total Assets 8.60b

(D) 0.13 = Book Value of Equity 1.01b / Total Liabilities 7.82b

Total Rating: 1.64 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 82.14

1. Piotroski 5.50pt = 0.50

2. FCF Yield 14.84% = 5.0

3. FCF Margin 79.30% = 7.50

4. Debt/Equity 0.26 = 2.47

5. Debt/Ebitda 0.78 = 2.04

6. ROIC - WACC (= 8.83)% = 11.04

7. RoE 27.97% = 2.33

8. Rev. Trend -44.14% = -3.31

9. EPS Trend 91.29% = 4.56

What is the price of TBBK shares?

As of November 13, 2025, the stock is trading at USD 63.57 with a total of 582,001 shares traded.
Over the past week, the price has changed by +1.37%, over one month by -16.75%, over three months by -5.36% and over the past year by +10.75%.

Is The Bancorp a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, The Bancorp (NASDAQ:TBBK) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 82.14 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TBBK is around 68.50 USD . This means that TBBK is currently overvalued and has a potential downside of 7.76%.

Is TBBK a buy, sell or hold?

The Bancorp has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy TBBK.

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	20.3%
Analysts Target Price	76.5	20.3%
ValueRay Target Price	77.6	22.1%

TBBK Fundamental Data Overview November 02, 2025

Market Cap USD = 3.55b (3.55b USD * 1.0 USD.USD)
P/E Trailing = 13.6757
P/S = 6.8892
P/B = 3.9957
P/EG = 1.46
Beta = 1.32
Revenue TTM = 441.5m USD
EBIT TTM = 242.1m USD
EBITDA TTM = 243.3m USD
Long Term Debt = 123.7m USD (from longTermDebt, last fiscal year)
Short Term Debt = 200.0m USD (from shortTermDebt, last quarter)
Debt = 200.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 189.8m USD (from netDebt column, last quarter)
Enterprise Value = 2.36b USD (3.55b + Debt 200.0m - CCE 1.39b)
Interest Coverage Ratio = 3.19 (Ebit TTM 242.1m / Interest Expense TTM 75.9m)
FCF Yield = 14.84% (FCF TTM 350.1m / Enterprise Value 2.36b)
FCF Margin = 79.30% (FCF TTM 350.1m / Revenue TTM 441.5m)
Net Margin = 51.60% (Net Income TTM 227.8m / Revenue TTM 441.5m)
Gross Margin = 1.39% ((Revenue TTM 441.5m - Cost of Revenue TTM 435.4m) / Revenue TTM)
Gross Margin QoQ = none% (prev 60.33%)
Tobins Q-Ratio = 0.27 (Enterprise Value 2.36b / Total Assets 8.60b)
Interest Expense / Debt = -31.15% (Interest Expense -62.3m / Debt 200.0m)
Taxrate = 24.92% (18.2m / 73.2m)
NOPAT = 181.8m (EBIT 242.1m * (1 - 24.92%))
Current Ratio = 7.19 (Total Current Assets 1.44b / Total Current Liabilities 200.0m)
Debt / Equity = 0.26 (Debt 200.0m / totalStockholderEquity, last quarter 778.2m)
Debt / EBITDA = 0.78 (Net Debt 189.8m / EBITDA 243.3m)
Debt / FCF = 0.54 (Net Debt 189.8m / FCF TTM 350.1m)
Total Stockholder Equity = 814.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.65% (Net Income 227.8m / Total Assets 8.60b)
RoE = 27.97% (Net Income TTM 227.8m / Total Stockholder Equity 814.5m)
RoCE = 25.81% (EBIT 242.1m / Capital Employed (Equity 814.5m + L.T.Debt 123.7m))
RoIC = 19.13% (NOPAT 181.8m / Invested Capital 950.3m)
WACC = 10.30% (E(3.55b)/V(3.75b) * Re(10.88%) + (debt cost/tax rate unavailable))
Discount Rate = 10.88% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.67%
[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: 91.29 | EPS CAGR: 20.29% | SUE: -2.77 | # QB: 0
Revenue Correlation: -44.14 | Revenue CAGR: -67.02% | SUE: -2.93 | # QB: 0

Additional Sources for TBBK Stock

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Fund Manager Positions: Dataroma | Stockcircle