(TBBK) The Bancorp - Ratings and Ratios
Deposits, Lending, Prepaid Cards, Payment Processing, ACH Services
EPS (Earnings per Share)
Revenue
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 43.3% |
| Value at Risk 5%th | 66.8% |
| Relative Tail Risk | -6.20% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.27 |
| Alpha | -8.35 |
| CAGR/Max DD | 0.80 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.470 |
| Beta | 1.405 |
| Beta Downside | 1.760 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.28% |
| Mean DD | 11.71% |
| Median DD | 9.25% |
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.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (227.8m TTM) > 0 and > 6% of Revenue (6% = 51.7m TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 1.99pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -756.3% (prev -694.1%; Δ -62.15pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 382.8m > Net Income 227.8m (YES >=105%, WARN >=100%) |
| Net Debt (138.6m) to EBITDA (308.9m) ratio: 0.45 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.11 (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 60.77% (prev 72.18%; Δ -11.40pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.31% (prev 8.08%; Δ 2.23pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.69 (EBITDA TTM 308.9m / Interest Expense TTM 180.4m) >= 6 (WARN >= 3) |
Altman Z'' -4.23
| (A) -0.76 = (Total Current Assets 820.2m - Total Current Liabilities 7.33b) / Total Assets 8.60b |
| (B) 0.11 = Retained Earnings (Balance) 951.1m / Total Assets 8.60b |
| (C) 0.04 = EBIT TTM 304.4m / Avg Total Assets 8.35b |
| (D) 0.13 = Book Value of Equity 1.01b / Total Liabilities 7.82b |
| Total Rating: -4.23 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 94.99
| 1. Piotroski 6.0pt |
| 2. FCF Yield 12.57% |
| 3. FCF Margin 44.40% |
| 4. Debt/Equity 0.29 |
| 5. Debt/Ebitda 0.45 |
| 6. ROIC - WACC (= 12.33)% |
| 7. RoE 27.97% |
| 8. Rev. Trend 95.15% |
| 9. EPS Trend 94.29% |
What is the price of TBBK shares?
Over the past week, the price has changed by +8.01%, over one month by -18.57%, over three months by -15.37% and over the past year by +9.08%.
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 | 19.2% |
| Analysts Target Price | 76.5 | 19.2% |
| ValueRay Target Price | 73.5 | 14.6% |
TBBK Fundamental Data Overview November 26, 2025
P/E Trailing = 13.2427
P/S = 5.5737
P/B = 3.5031
P/EG = 1.46
Beta = 1.294
Revenue TTM = 860.9m USD
EBIT TTM = 304.4m USD
EBITDA TTM = 308.9m USD
Long Term Debt = 223.3m USD (from longTermDebt, last quarter)
Short Term Debt = 200.0m USD (from shortTermDebt, last quarter)
Debt = 223.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 138.6m USD (from netDebt column, last quarter)
Enterprise Value = 3.04b USD (2.92b + Debt 223.3m - CCE 98.7m)
Interest Coverage Ratio = 1.69 (Ebit TTM 304.4m / Interest Expense TTM 180.4m)
FCF Yield = 12.57% (FCF TTM 382.2m / Enterprise Value 3.04b)
FCF Margin = 44.40% (FCF TTM 382.2m / Revenue TTM 860.9m)
Net Margin = 26.46% (Net Income TTM 227.8m / Revenue TTM 860.9m)
Gross Margin = 60.77% ((Revenue TTM 860.9m - Cost of Revenue TTM 337.7m) / Revenue TTM)
Gross Margin QoQ = 59.76% (prev 60.33%)
Tobins Q-Ratio = 0.35 (Enterprise Value 3.04b / Total Assets 8.60b)
Interest Expense / Debt = 18.90% (Interest Expense 42.2m / Debt 223.3m)
Taxrate = 24.92% (18.2m / 73.2m)
NOPAT = 228.6m (EBIT 304.4m * (1 - 24.92%))
Current Ratio = 0.11 (Total Current Assets 820.2m / Total Current Liabilities 7.33b)
Debt / Equity = 0.29 (Debt 223.3m / totalStockholderEquity, last quarter 778.2m)
Debt / EBITDA = 0.45 (Net Debt 138.6m / EBITDA 308.9m)
Debt / FCF = 0.36 (Net Debt 138.6m / FCF TTM 382.2m)
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 = 29.34% (EBIT 304.4m / Capital Employed (Equity 814.5m + L.T.Debt 223.3m))
RoIC = 23.73% (NOPAT 228.6m / Invested Capital 963.1m)
WACC = 11.40% (E(2.92b)/V(3.14b) * Re(11.19%) + D(223.3m)/V(3.14b) * Rd(18.90%) * (1-Tc(0.25)))
Discount Rate = 11.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.67%
[DCF Debug] Terminal Value 71.90% ; FCFE base≈308.9m ; Y1≈381.1m ; Y5≈650.1m
Fair Price DCF = 152.4 (DCF Value 6.69b / Shares Outstanding 43.9m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 94.29 | EPS CAGR: 28.56% | SUE: -2.77 | # QB: 0
Revenue Correlation: 95.15 | Revenue CAGR: 29.21% | SUE: 1.14 | # QB: 6
Additional Sources for TBBK Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle