(TBBK) The Bancorp - Overview
Sector: Financial ServicesIndustry: Banks - Regional | Exchange NASDAQ (USA) | Currency USD | Market Cap: 2.306m | Total Return -2.6% in 12m
Stock: Loans, Deposits, Payments, Cards
Total Rating 37
Risk 82
Buy Signal -0.07
| Risk 5d forecast | |
|---|---|
| Volatility | 45.9% |
| Relative Tail Risk | -9.39% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.09 |
| Alpha | -21.46 |
| Character TTM | |
|---|---|
| Beta | 1.558 |
| Beta Downside | 1.284 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.28% |
| CAGR/Max DD | 0.63 |
EPS (Earnings per Share)
Revenue
Description: TBBK The Bancorp March 04, 2026
The Bancorp, Inc. (TBBK) is a financial holding company operating The Bancorp Bank, N.A. It provides traditional deposit accounts such as checking, savings, and money market accounts.
The company specializes in various lending products. These include securities-backed and insurance policy-backed lines of credit, a common offering in wealth management. It also provides financing to investment advisors and lease financing for commercial and government vehicle fleets. Additionally, TBBK offers commercial real estate bridge loans, small business loans, and consumer fintech loans, which are short-term credit solutions. Fintech lenders often partner with regulated banks like TBBK to offer banking services.
Beyond lending, TBBK provides payment processing services. These include ACH bill and other payment services, debit and prepaid card issuing, and account services. This highlights its role in the payment processing ecosystem. To further understand TBBKs market position, consider exploring its financial performance on platforms like ValueRay.
Headlines to watch out for
- Fintech partnerships drive deposit growth and fee income
- Rising interest rates boost net interest margin
- Loan portfolio quality impacts credit loss provisions
- Regulatory changes affect compliance costs and operations
- Economic downturns reduce loan demand and increase defaults
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 228.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.22 > 1.0 |
| NWC/Revenue: 182.1% < 20% (prev -913.6%; Δ 1.10k% < -1%) |
| CFO/TA 0.03 > 3% & CFO 265.0m > Net Income 228.2m |
| Net Debt (414.3m) to EBITDA (306.4m): 1.35 < 3 |
| Current Ratio: 8.66 > 1.5 & < 3 |
| Outstanding Shares: last quarter (44.1m) vs 12m ago -9.38% < -2% |
| Gross Margin: 62.53% > 18% (prev 0.71%; Δ 6.18k% > 0.5%) |
| Asset Turnover: 9.26% > 50% (prev 8.01%; Δ 1.25% > 0%) |
| Interest Coverage Ratio: 1.30 > 6 (EBITDA TTM 306.4m / Interest Expense TTM 175.9m) |
Altman Z'' 1.80
| A: 0.16 (Total Current Assets 1.72b - Total Current Liabilities 199.0m) / Total Assets 9.35b |
| B: 0.11 (Retained Earnings 1.01b / Total Assets 9.35b) |
| C: 0.03 (EBIT TTM 228.0m / Avg Total Assets 9.04b) |
| D: 0.20 (Book Value of Equity 1.70b / Total Liabilities 8.66b) |
| Altman-Z'' Score: 1.80 = BBB |
Beneish M -3.57
| DSRI: 0.05 (Receivables 43.1m/742.3m, Revenue 837.0m/698.7m) |
| GMI: 1.13 (GM 62.53% / 70.90%) |
| AQI: 0.97 (AQ_t 0.81 / AQ_t-1 0.84) |
| SGI: 1.20 (Revenue 837.0m / 698.7m) |
| TATA: -0.00 (NI 228.2m - CFO 265.0m) / TA 9.35b) |
| Beneish M-Score: -3.57 (Cap -4..+1) = AAA |
What is the price of TBBK shares?
As of March 30, 2026, the stock is trading at USD 51.48 with a total of 375,115 shares traded.
Over the past week, the price has changed by -4.21%, over one month by -1.92%, over three months by -25.24% and over the past year by -2.57%.
Over the past week, the price has changed by -4.21%, over one month by -1.92%, over three months by -25.24% and over the past year by -2.57%.
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.
- StrongBuy: 0
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the TBBK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 72 | 39.9% |
| Analysts Target Price | 72 | 39.9% |
TBBK Fundamental Data Overview March 27, 2026
P/E Trailing = 10.7582
P/E Forward = 14.5985
P/S = 4.3822
P/B = 3.2114
P/EG = 1.0696
Revenue TTM = 837.0m USD
EBIT TTM = 228.0m USD
EBITDA TTM = 306.4m USD
Long Term Debt = 223.4m USD (from longTermDebt, last quarter)
Short Term Debt = 199.0m USD (from shortTermDebt, last quarter)
Debt = 422.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 414.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.05b USD (2.31b + Debt 422.4m - CCE 1.68b)
Interest Coverage Ratio = 1.30 (Ebit TTM 228.0m / Interest Expense TTM 175.9m)
EV/FCF = 4.03x (Enterprise Value 1.05b / FCF TTM 259.8m)
FCF Yield = 24.79% (FCF TTM 259.8m / Enterprise Value 1.05b)
FCF Margin = 31.04% (FCF TTM 259.8m / Revenue TTM 837.0m)
Net Margin = 27.27% (Net Income TTM 228.2m / Revenue TTM 837.0m)
Gross Margin = 62.53% ((Revenue TTM 837.0m - Cost of Revenue TTM 313.6m) / Revenue TTM)
Gross Margin QoQ = 75.61% (prev 59.76%)
Tobins Q-Ratio = 0.11 (Enterprise Value 1.05b / Total Assets 9.35b)
Interest Expense / Debt = 9.46% (Interest Expense 39.9m / Debt 422.4m)
Taxrate = 24.94% (18.7m / 75.0m)
NOPAT = 171.2m (EBIT 228.0m * (1 - 24.94%))
Current Ratio = 8.66 (Total Current Assets 1.72b / Total Current Liabilities 199.0m)
Debt / Equity = 0.61 (Debt 422.4m / totalStockholderEquity, last quarter 689.8m)
Debt / EBITDA = 1.35 (Net Debt 414.3m / EBITDA 306.4m)
Debt / FCF = 1.59 (Net Debt 414.3m / FCF TTM 259.8m)
Total Stockholder Equity = 789.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.52% (Net Income 228.2m / Total Assets 9.35b)
RoE = 28.91% (Net Income TTM 228.2m / Total Stockholder Equity 789.5m)
RoCE = 22.52% (EBIT 228.0m / Capital Employed (Equity 789.5m + L.T.Debt 223.4m))
RoIC = 17.78% (NOPAT 171.2m / Invested Capital 963.0m)
WACC = 10.78% (E(2.31b)/V(2.73b) * Re(11.46%) + D(422.4m)/V(2.73b) * Rd(9.46%) * (1-Tc(0.25)))
Discount Rate = 11.46% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.82%
[DCF] Terminal Value 73.05% ; FCFF base≈245.3m ; Y1≈302.6m ; Y5≈516.2m
[DCF] Fair Price = 123.0 (EV 5.60b - Net Debt 414.3m = Equity 5.19b / Shares 42.2m; r=10.78% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 93.16 | EPS CAGR: 28.49% | SUE: -2.73 | # QB: 0
Revenue Correlation: 88.23 | Revenue CAGR: 21.84% | SUE: 3.07 | # QB: 7
EPS next Quarter (2026-06-30): EPS=1.35 | Chg7d=+0.010 | Chg30d=+0.010 | Revisions Net=-2 | Analysts=3
EPS current Year (2026-12-31): EPS=5.92 | Chg7d=+0.017 | Chg30d=+0.017 | Revisions Net=-2 | Growth EPS=+20.3% | Growth Revenue=-2.5%
EPS next Year (2027-12-31): EPS=8.10 | Chg7d=+0.077 | Chg30d=+0.077 | Revisions Net=+0 | Growth EPS=+36.9% | Growth Revenue=+2.1%
[Analyst] Revisions Ratio: -1.00 (0 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.2% (Discount Rate 11.5% - Earnings Yield 9.3%)
[Growth] Growth Spread = -9.8% (Analyst -7.6% - Implied 2.2%)
P/E Forward = 14.5985
P/S = 4.3822
P/B = 3.2114
P/EG = 1.0696
Revenue TTM = 837.0m USD
EBIT TTM = 228.0m USD
EBITDA TTM = 306.4m USD
Long Term Debt = 223.4m USD (from longTermDebt, last quarter)
Short Term Debt = 199.0m USD (from shortTermDebt, last quarter)
Debt = 422.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 414.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.05b USD (2.31b + Debt 422.4m - CCE 1.68b)
Interest Coverage Ratio = 1.30 (Ebit TTM 228.0m / Interest Expense TTM 175.9m)
EV/FCF = 4.03x (Enterprise Value 1.05b / FCF TTM 259.8m)
FCF Yield = 24.79% (FCF TTM 259.8m / Enterprise Value 1.05b)
FCF Margin = 31.04% (FCF TTM 259.8m / Revenue TTM 837.0m)
Net Margin = 27.27% (Net Income TTM 228.2m / Revenue TTM 837.0m)
Gross Margin = 62.53% ((Revenue TTM 837.0m - Cost of Revenue TTM 313.6m) / Revenue TTM)
Gross Margin QoQ = 75.61% (prev 59.76%)
Tobins Q-Ratio = 0.11 (Enterprise Value 1.05b / Total Assets 9.35b)
Interest Expense / Debt = 9.46% (Interest Expense 39.9m / Debt 422.4m)
Taxrate = 24.94% (18.7m / 75.0m)
NOPAT = 171.2m (EBIT 228.0m * (1 - 24.94%))
Current Ratio = 8.66 (Total Current Assets 1.72b / Total Current Liabilities 199.0m)
Debt / Equity = 0.61 (Debt 422.4m / totalStockholderEquity, last quarter 689.8m)
Debt / EBITDA = 1.35 (Net Debt 414.3m / EBITDA 306.4m)
Debt / FCF = 1.59 (Net Debt 414.3m / FCF TTM 259.8m)
Total Stockholder Equity = 789.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.52% (Net Income 228.2m / Total Assets 9.35b)
RoE = 28.91% (Net Income TTM 228.2m / Total Stockholder Equity 789.5m)
RoCE = 22.52% (EBIT 228.0m / Capital Employed (Equity 789.5m + L.T.Debt 223.4m))
RoIC = 17.78% (NOPAT 171.2m / Invested Capital 963.0m)
WACC = 10.78% (E(2.31b)/V(2.73b) * Re(11.46%) + D(422.4m)/V(2.73b) * Rd(9.46%) * (1-Tc(0.25)))
Discount Rate = 11.46% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.82%
[DCF] Terminal Value 73.05% ; FCFF base≈245.3m ; Y1≈302.6m ; Y5≈516.2m
[DCF] Fair Price = 123.0 (EV 5.60b - Net Debt 414.3m = Equity 5.19b / Shares 42.2m; r=10.78% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 93.16 | EPS CAGR: 28.49% | SUE: -2.73 | # QB: 0
Revenue Correlation: 88.23 | Revenue CAGR: 21.84% | SUE: 3.07 | # QB: 7
EPS next Quarter (2026-06-30): EPS=1.35 | Chg7d=+0.010 | Chg30d=+0.010 | Revisions Net=-2 | Analysts=3
EPS current Year (2026-12-31): EPS=5.92 | Chg7d=+0.017 | Chg30d=+0.017 | Revisions Net=-2 | Growth EPS=+20.3% | Growth Revenue=-2.5%
EPS next Year (2027-12-31): EPS=8.10 | Chg7d=+0.077 | Chg30d=+0.077 | Revisions Net=+0 | Growth EPS=+36.9% | Growth Revenue=+2.1%
[Analyst] Revisions Ratio: -1.00 (0 Up / 2 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.2% (Discount Rate 11.5% - Earnings Yield 9.3%)
[Growth] Growth Spread = -9.8% (Analyst -7.6% - Implied 2.2%)