TBBK Stock Analysis: The Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.981m USD | 12M Return: -34.6% | US05969A1051 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 30.5M
EPS Trend: 99.6%
Qual. Beats: 2
Rev. Trend: 87.8%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Bancorp, Inc. (NASDAQ: TBBK) is a Wilmington, Delaware-based financial holding company that operates The Bancorp Bank, National Association, providing a specialized suite of banking products and services across the United States. Founded in 1999, the company offers core deposit products such as checking, savings, money market, and commercial accounts, alongside a distinctive portfolio of specialty lending products. These include securities- and insurance-policy-backed lines of credit, investor advisor financing, Small Business Administration (SBA) loans, commercial and government fleet lease financing, commercial real estate bridge loans, and consumer fintech loans such as secured credit card loans and payroll advances.
In addition to its lending and deposit operations, The Bancorp provides a broad range of payment and back-office services, including automated clearing house (ACH) bill payment, debit and prepaid card issuing, data processing, check imaging, loan processing, electronic bill payment, statement rendering, call center support, ATM network access, and software development. The company is classified within the GICS Regional Banks sub-industry and operates a niche banking-as-a-service (BaaS) model, partnering with fintech firms and other institutions to deliver embedded financial products, a segment that has grown rapidly as traditional banks seek scalable technology-driven revenue streams.
- Fintech consumer loan originations accelerate revenue growth
- Net interest margin compresses as Fed cuts rates
- Prepaid card issuing volume scales with fintech partner demand
| Net Income: 231.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -2.19 > 1.0 |
| NWC/Revenue: -1.11k% < 20% (prev -639.8%; Δ -466.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 166.7m > Net Income 231.9m |
| Net Debt (-666.2m) to EBITDA (312.7m): -2.13 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (41.8m) vs 12m ago -12.13% < -2% |
| Gross Margin: 70.41% > 18% (prev 63.24%; Δ 7.17% > 0.5%) |
| Asset Turnover: 8.39% > 50% (prev 9.23%; Δ -0.84% > 0%) |
| Interest Coverage Ratio: 1.87 > 6 (EBIT TTM 307.8m / Interest Expense TTM 164.8m) |
| A: -0.91 (Total Current Assets 52.9m - Total Current Liabilities 8.43b) / Total Assets 9.22b |
| B: 0.12 (Retained Earnings 1.13b / Total Assets 9.22b) |
| C: 0.03 (EBIT TTM 307.8m / Avg Total Assets 9.03b) |
| D: 0.08 (Book Value of Equity 705.4m / Total Liabilities 8.51b) |
| Altman-Z'' = -5.25 = D |
| DSRI: 0.10 (Receivables 43.3m/725.2m, Revenue 757.1m/815.8m) |
| GMI: 0.90 (GM 63.24% / 70.41%) |
| AQI: 1.40 (AQ_t 0.99 / AQ_t-1 0.71) |
| SGI: 0.93 (Revenue 757.1m / 815.8m) |
| TATA: 0.01 (NI 231.9m - CFO 166.7m) / TA 9.22b) |
| Beneish M = -3.67 (Cap -4..+1) = AAA |
As of October 03, 2026, the stock is trading at USD 48.81 with a total of 457,046 shares traded. Over the past week, the price has changed by -3.50%, over one month by -26.55%, over three months by -23.60% and over the past year by -34.59%.
Current recommended Stop Loss: 46.40 (which is 4.9% or 1.3 ATR below the current price).
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 | 80.7 | 65.3% |
P/E Trailing = 9.2319
P/E Forward = 14.5985
P/S = 3.7236
P/B = 2.8651
P/EG = 1.0696
Revenue TTM = 757.1m USD
EBIT TTM = 307.8m USD
EBITDA TTM = 312.7m USD
Long Term Debt = 214.3m USD (from longTermDebt, last quarter)
Short Term Debt = 744.0m USD (from shortTermDebt, last quarter)
Debt = 958.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -666.2m USD (calculated: Debt 958.3m - CCE 1.62b)
Enterprise Value = 1.31b USD (1.98b + Debt 958.3m - CCE 1.62b)
Interest Coverage Ratio = 1.87 (Ebit TTM 307.8m / Interest Expense TTM 164.8m)
EV/FCF = 8.03x (Enterprise Value 1.31b / FCF TTM 163.6m)
FCF Yield = 12.45% (FCF TTM 163.6m / Enterprise Value 1.31b)
FCF Margin = 21.61% (FCF TTM 163.6m / Revenue TTM 757.1m)
Net Margin = 30.63% (Net Income TTM 231.9m / Revenue TTM 757.1m)
Gross Margin = 70.41% ((Revenue TTM 757.1m - Cost of Revenue TTM 224.0m) / Revenue TTM)
Gross Margin QoQ = 66.98% (prev 83.31%)
Tobins Q-Ratio = 0.14 (Enterprise Value 1.31b / Total Assets 9.22b)
Interest Expense / Debt = 17.20% (Interest Expense 164.8m / Debt 958.3m)
Taxrate = 24.65% (75.9m / 307.8m)
NOPAT = 231.9m (EBIT 307.8m * (1 - 24.65%))
Current Ratio = 0.01 (Total Current Assets 52.9m / Total Current Liabilities 8.43b)
Debt / Equity = 1.36 (Debt 958.3m / totalStockholderEquity, last quarter 705.4m)
Debt / EBITDA = -2.13 (Net Debt -666.2m / EBITDA 312.7m)
Debt / FCF = -4.07 (Net Debt -666.2m / FCF TTM 163.6m)
Total Stockholder Equity = 717.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.57% (Net Income 231.9m / Total Assets 9.22b)
RoE = 32.32% (Net Income TTM 231.9m / Total Stockholder Equity 717.6m)
RoCE = 33.03% (EBIT 307.8m / Capital Employed (Equity 717.6m + L.T.Debt 214.3m))
RoIC = 2.53% (NOPAT 231.9m / Invested Capital 9.18b)
WACC = 11.79% (E(1.98b)/V(2.94b) * Re(11.23%) + D(958.3m)/V(2.94b) * Rd(17.20%) * (1-Tc(0.25)))
Discount Rate = 11.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.85 | Cagr: -10.26%
[DCF] Terminal Value 61.42% ; FCFF base≈238.2m ; Y1≈208.9m ; Y5≈168.8m
[DCF] Fair Price = 58.89 (EV 1.74b - Net Debt -666.2m = Equity 2.40b / Shares 40.8m; r=11.79% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 99.59 | EPS CAGR: 18.11% | SUE: 1.05 | # QB: 2
Revenue Correlation: 87.81 | Revenue CAGR: 13.57% | SUE: 1.09 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.47 | Chg30d=+0.00% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=5.99 | Chg30d=+0.00% | Revisions=+40% | GrowthEPS=+21.7% | GrowthRev=-4.0%
EPS next Year (2027-12-31): EPS=8.00 | Chg30d=-1.23% | Revisions=-40% | GrowthEPS=+33.6% | GrowthRev=+0.5%
[Analyst] Revisions Ratio: +22% (up=4, down=2)