TBBK Stock Analysis: The Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.682m USD | 12M Return: 8.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.7M
EPS Trend: 99.0%
Qual. Beats: 1
Rev. Trend: 94.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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, a niche-oriented U.S. commercial bank incorporated in 1999. Through its single-bank subsidiary, the company delivers a broad suite of deposit products-including checking, savings, money market, and commercial accounts-alongside a diversified lending franchise spanning securities-backed and insurance cash value-backed lines of credit, advisor financing, SBA loans, commercial and government fleet lease financing, commercial real estate bridge loans, and consumer fintech credit such as secured credit card loans and payroll advances.
Complementing its balance sheet activities, the company provides a wide array of fee-based and technology-driven services, including ACH bill payment, debit and prepaid card issuance, card and bill payment processing, data processing, check imaging, loan processing, electronic bill payment and statement rendering, call center support, ATM network access, bank accounting and general ledger systems, data warehousing, and software development. The company has been publicly traded since its February 2004 IPO and is classified within the GICS Regional Banks sub-industry.
Unlike traditional regional banks, The Bancorp operates a specialized Banking-as-a-Service (BaaS) and white-label banking model, partnering with fintech companies and other businesses to deliver branded card, payment, lending, and deposit products. This technology-forward, partnership-driven approach-particularly its focus on prepaid card programs, fintech credit, and securities-backed lending-distinguishes it from conventional community banks and positions it as a key infrastructure provider within the broader fintech ecosystem.
- Prepaid card issuing volumes drive noninterest income growth
- Net interest margin expands on asset-sensitive balance sheet
- Securities-backed lending grows with advisor financing demand
| Net Income: 231.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.82 > 1.0 |
| NWC/Revenue: -1.07k% < 20% (prev -866.3%; Δ -199.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 217.7m > Net Income 231.1m |
| Net Debt (134.2m) to EBITDA (311.3m): 0.43 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (42.6m) vs 12m ago -11.18% < -2% |
| Gross Margin: 68.38% > 18% (prev 66.36%; Δ 2.02% > 0.5%) |
| Asset Turnover: 8.08% > 50% (prev 8.06%; Δ 0.01% > 0%) |
| Interest Coverage Ratio: 1.82 > 6 (EBIT TTM 306.5m / Interest Expense TTM 168.8m) |
| A: -0.84 (Total Current Assets 130.5m - Total Current Liabilities 8.43b) / Total Assets 9.90b |
| B: 0.11 (Retained Earnings 1.07b / Total Assets 9.90b) |
| C: 0.03 (EBIT TTM 306.5m / Avg Total Assets 9.64b) |
| D: 0.08 (Book Value of Equity 697.0m / Total Liabilities 9.20b) |
| Altman-Z'' = -4.86 = D |
| DSRI: 0.10 (Receivables 41.3m/738.7m, Revenue 778.9m/756.9m) |
| GMI: 0.97 (GM 66.36% / 68.38%) |
| AQI: 1.22 (AQ_t 0.98 / AQ_t-1 0.80) |
| SGI: 1.03 (Revenue 778.9m / 756.9m) |
| TATA: 0.00 (NI 231.1m - CFO 217.7m) / TA 9.90b) |
| Beneish M = -3.64 (Cap -4..+1) = AAA |
As of July 10, 2026, the stock is trading at USD 66.54 with a total of 738,305 shares traded. Over the past week, the price has changed by +3.10%, over one month by +21.71%, over three months by +14.04% and over the past year by +8.07%.
Current recommended Stop Loss: 64.00 (which is 3.8% 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 | 72.7 | 9.2% |
P/E Trailing = 12.5331
P/E Forward = 14.5985
P/S = 5.0061
P/B = 3.8194
P/EG = 1.0696
Revenue TTM = 778.9m USD
EBIT TTM = 306.5m USD
EBITDA TTM = 311.3m USD
Long Term Debt = 223.3m USD (from longTermDebt, last quarter)
Short Term Debt = 470.0m USD (from shortTermDebt, last quarter)
Debt = 223.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 134.2m USD (calculated: Debt 223.3m - CCE 89.1m)
Enterprise Value = 2.82b USD (2.68b + Debt 223.3m - CCE 89.1m)
Interest Coverage Ratio = 1.82 (Ebit TTM 306.5m / Interest Expense TTM 168.8m)
EV/FCF = 13.14x (Enterprise Value 2.82b / FCF TTM 214.3m)
FCF Yield = 7.61% (FCF TTM 214.3m / Enterprise Value 2.82b)
FCF Margin = 27.51% (FCF TTM 214.3m / Revenue TTM 778.9m)
Net Margin = 29.67% (Net Income TTM 231.1m / Revenue TTM 778.9m)
Gross Margin = 68.38% ((Revenue TTM 778.9m - Cost of Revenue TTM 246.3m) / Revenue TTM)
Gross Margin QoQ = 83.31% (prev 75.61%)
Tobins Q-Ratio = 0.28 (Enterprise Value 2.82b / Total Assets 9.90b)
Interest Expense / Debt = 75.57% (Interest Expense 168.8m / Debt 223.3m)
Taxrate = 24.60% (75.4m / 306.5m)
NOPAT = 231.1m (EBIT 306.5m * (1 - 24.60%))
Current Ratio = 0.02 (Total Current Assets 130.5m / Total Current Liabilities 8.43b)
Debt / Equity = 0.32 (Debt 223.3m / totalStockholderEquity, last quarter 697.0m)
Debt / EBITDA = 0.43 (Net Debt 134.2m / EBITDA 311.3m)
Debt / FCF = 0.63 (Net Debt 134.2m / FCF TTM 214.3m)
Total Stockholder Equity = 756.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.40% (Net Income 231.1m / Total Assets 9.90b)
RoE = 30.56% (Net Income TTM 231.1m / Total Stockholder Equity 756.3m)
RoCE = 31.29% (EBIT 306.5m / Capital Employed (Equity 756.3m + L.T.Debt 223.3m))
RoIC = 12.16% (NOPAT 231.1m / Invested Capital 1.90b)
WACC = 10.15% (E(2.68b)/V(2.91b) * Re(11.0%) + (debt cost/tax rate unavailable))
Discount Rate = 11.0% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -10.16%
[DCF] Terminal Value 66.66% ; FCFF base≈240.6m ; Y1≈211.0m ; Y5≈170.5m
[DCF] Fair Price = 47.49 (EV 2.11b - Net Debt 134.2m = Equity 1.98b / Shares 41.6m; r=10.15% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 98.99 | EPS CAGR: 19.91% | SUE: 0.94 | # QB: 1
Revenue Correlation: 94.85 | Revenue CAGR: 17.05% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.36 | Chg30d=+0.00% | Revisions=+17% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.43 | Chg30d=-4.67% | Revisions=-50% | Analysts=3
EPS current Year (2026-12-31): EPS=5.91 | Chg30d=-0.11% | Revisions=-25% | GrowthEPS=+20.1% | GrowthRev=-4.2%
EPS next Year (2027-12-31): EPS=8.07 | Chg30d=+0.00% | Revisions=-40% | GrowthEPS=+36.5% | GrowthRev=+0.6%
[Analyst] Revisions Ratio: -42% (up=2, down=7)