(TBBK) The Bancorp - Overview
Stock: Deposits, Securities-Backed Credit, Fleet Leasing, Bridge Loans, Prepaid Cards
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 49.2% |
| Relative Tail Risk | -7.58% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.67 |
| Alpha | 5.63 |
| Character TTM | |
|---|---|
| Beta | 1.415 |
| Beta Downside | 1.762 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.28% |
| CAGR/Max DD | 0.73 |
Description: TBBK The Bancorp January 12, 2026
The Bancorp, Inc. (NASDAQ:TBBK) is a Delaware-incorporated holding company for The Bancorp Bank, NA, offering a diversified suite of banking services across the United States. Its product set spans traditional deposit accounts (checking, savings, money-market, and commercial), a variety of credit solutions-including securities-backed and insurance-policy-backed lines of credit, investor-advisor financing, commercial-vehicle lease financing, bridge loans for real-estate, and small-business and fintech-focused consumer loans-as well as payment processing services such as ACH, debit, prepaid card issuance, and bill-payment platforms.
Key operating metrics (FY 2024) show total assets of roughly $2.5 billion, a net interest margin of about 3.2 %, and a loan-to-deposit ratio near 80 %, indicating a balanced funding profile. The bank’s fintech loan segment has been growing at an estimated 15 % YoY, reflecting broader consumer-credit demand driven by rising interest rates and a shift toward digital lending. As a regional bank, TBBK is sensitive to the Federal Reserve’s policy stance; higher rates typically expand net interest income but can compress loan demand, especially in price-sensitive small-business and consumer segments.
For a deeper quantitative view, you might explore the company’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 227.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 1.99 > 1.0 |
| NWC/Revenue: -756.3% < 20% (prev -694.1%; Δ -62.15% < -1%) |
| CFO/TA 0.04 > 3% & CFO 382.8m > Net Income 227.8m |
| Net Debt (138.6m) to EBITDA (308.9m): 0.45 < 3 |
| Current Ratio: 0.11 > 1.5 & < 3 |
| Outstanding Shares: last quarter (47.2m) vs 12m ago -4.58% < -2% |
| Gross Margin: 60.77% > 18% (prev 0.72%; Δ 6005 % > 0.5%) |
| Asset Turnover: 10.31% > 50% (prev 8.08%; Δ 2.23% > 0%) |
| Interest Coverage Ratio: 1.69 > 6 (EBITDA TTM 308.9m / Interest Expense TTM 180.4m) |
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 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) |
| Altman-Z'' Score: -4.23 = D |
Beneish M -2.69
| DSRI: 0.74 (Receivables 721.5m/742.2m, Revenue 860.9m/654.0m) |
| GMI: 1.19 (GM 60.77% / 72.18%) |
| AQI: 1.28 (AQ_t 0.90 / AQ_t-1 0.70) |
| SGI: 1.32 (Revenue 860.9m / 654.0m) |
| TATA: -0.02 (NI 227.8m - CFO 382.8m) / TA 8.60b) |
| Beneish M-Score: -2.69 (Cap -4..+1) = A |
What is the price of TBBK shares?
Over the past week, the price has changed by -1.07%, over one month by +2.43%, over three months by -9.16% and over the past year by +27.40%.
Is TBBK a buy, sell or hold?
- 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 | 76.5 | 8.5% |
| Analysts Target Price | 76.5 | 8.5% |
| ValueRay Target Price | 87 | 23.3% |
TBBK Fundamental Data Overview January 27, 2026
P/S = 5.9162
P/B = 3.792
P/EG = 1.46
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 = 3.22b USD (3.10b + Debt 223.3m - CCE 98.7m)
Interest Coverage Ratio = 1.69 (Ebit TTM 304.4m / Interest Expense TTM 180.4m)
EV/FCF = 8.42x (Enterprise Value 3.22b / FCF TTM 382.2m)
FCF Yield = 11.87% (FCF TTM 382.2m / Enterprise Value 3.22b)
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 = 0.37 (Enterprise Value 3.22b / 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 = 2.73% (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 = 11.34% (E(3.10b)/V(3.32b) * Re(11.13%) + D(223.3m)/V(3.32b) * Rd(18.90%) * (1-Tc(0.25)))
Discount Rate = 11.13% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -6.67%
[DCF Debug] Terminal Value 71.20% ; FCFF base≈308.9m ; Y1≈381.0m ; Y5≈648.9m
Fair Price DCF = 144.8 (EV 6.50b - Net Debt 138.6m = Equity 6.36b / Shares 43.9m; r=11.34% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 94.29 | EPS CAGR: 28.56% | SUE: -2.77 | # QB: 0
Revenue Correlation: 94.52 | Revenue CAGR: 29.21% | SUE: 1.14 | # QB: 6
EPS next Quarter (2026-03-31): EPS=1.50 | Chg30d=-0.040 | Revisions Net=-2 | Analysts=2
EPS next Year (2026-12-31): EPS=6.43 | Chg30d=+0.000 | Revisions Net=-2 | Growth EPS=+26.7% | Growth Revenue=+7.4%