(TBBK) The Bancorp - Ratings and Ratios
Banking, Deposits, Loans, Prepaid Cards, Payments
TBBK EPS (Earnings per Share)
TBBK Revenue
Description: TBBK The Bancorp August 03, 2025
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 | 3,554m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2004-02-03 |
TBBK Stock Ratings
| Growth Rating | 81.3% |
| Fundamental | 82.1% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 6.90% |
| Analyst Rating | 4.0 of 5 |
TBBK Dividends
Currently no dividends paidTBBK Growth Ratios
| Growth Correlation 3m | 24.6% |
| Growth Correlation 12m | 58.4% |
| Growth Correlation 5y | 92.2% |
| CAGR 5y | 29.39% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.81 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.57 |
| Sharpe Ratio 12m | 0.81 |
| Alpha | 2.50 |
| Beta | 1.320 |
| Volatility | 58.36% |
| Current Volume | 1005.9k |
| Average Volume 20d | 516.8k |
| Stop Loss | 59.2 (-5.6%) |
| Signal | -0.46 |
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 |
| (C) 0.03 = EBIT TTM 242.1m / Avg Total Assets 8.35b |
| (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?
Over the past week, the price has changed by -19.23%, over one month by -20.06%, over three months by -3.30% and over the past year by +27.12%.
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 69.04 USD . This means that TBBK is currently undervalued and has a potential upside of +10.09% (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 | 22% |
| Analysts Target Price | 76.5 | 22% |
| ValueRay Target Price | 78.2 | 24.7% |
TBBK Fundamental Data Overview November 02, 2025
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
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle