TBBK Stock Analysis: The Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.061m USD | 12M Return: -39.4% | US05969A1051 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 21.7M
EPS Trend: 99.6%
Qual. Beats: 0
Rev. Trend: 72.7%
Qual. Beats: 2
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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, providing a specialized suite of banking products and services across the United States. Founded in 1999, the company offers core deposit products such as checking, savings, money market, and commercial accounts, alongside a distinctive portfolio of specialty lending products. These include securities- and insurance-policy-backed lines of credit, investor advisor financing, Small Business Administration (SBA) loans, commercial and government fleet lease financing, commercial real estate bridge loans, and consumer fintech loans such as secured credit card loans and payroll advances.
In addition to its lending and deposit operations, The Bancorp provides a broad range of payment and back-office services, including automated clearing house (ACH) bill payment, debit and prepaid card issuing, data processing, check imaging, loan processing, electronic bill payment, statement rendering, call center support, ATM network access, and software development. The company is classified within the GICS Regional Banks sub-industry and operates a niche banking-as-a-service (BaaS) model, partnering with fintech firms and other institutions to deliver embedded financial products, a segment that has grown rapidly as traditional banks seek scalable technology-driven revenue streams.
- Fintech consumer loan originations accelerate revenue growth
- Net interest margin compresses as Fed cuts rates
- Prepaid card issuing volume scales with fintech partner demand
| Net Income: 239.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -2.34 > 1.0 |
| NWC/Revenue: -957.8% < 20% (prev -756.3%; Δ -201.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 166.7m > Net Income 239.8m |
| Net Debt (-287.4m) to EBITDA (311.0m): -0.92 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (41.1m) vs 12m ago -12.84% < -2% |
| Gross Margin: 75.23% > 18% (prev 60.77%; Δ 14.46% > 0.5%) |
| Asset Turnover: 7.95% > 50% (prev 10.01%; Δ -2.06% > 0%) |
| Interest Coverage Ratio: 1.74 > 6 (EBIT TTM 306.4m / Interest Expense TTM 175.9m) |
| A: -0.73 (Total Current Assets 1.59b - Total Current Liabilities 8.45b) / Total Assets 9.43b |
| B: 0.11 (Retained Earnings 1.01b / Total Assets 9.43b) |
| C: 0.03 (EBIT TTM 306.4m / Avg Total Assets 9.01b) |
| D: 0.08 (Book Value of Equity 676.8m / Total Liabilities 8.75b) |
| Altman-Z'' = -4.12 = D |
| DSRI: 0.10 (Receivables 46.6m/721.5m, Revenue 716.2m/860.9m) |
| GMI: 0.81 (GM 60.77% / 75.23%) |
| AQI: 0.92 (AQ_t 0.83 / AQ_t-1 0.90) |
| SGI: 0.83 (Revenue 716.2m / 860.9m) |
| TATA: 0.01 (NI 239.8m - CFO 166.7m) / TA 9.43b) |
| Beneish M = -4.11 (Cap -4..+1) = AAA |
As of October 31, 2026, the stock is trading at USD 46.75 with a total of 1,268,256 shares traded. Over the past week, the price has changed by -8.08%, over one month by -3.73%, over three months by -27.83% and over the past year by -39.44%.
Current recommended Stop Loss: 44.90 (which is 4% or 1.2 ATR below the current price).
The Bancorp has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy TBBK.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 76 | 62.6% |
P/E Trailing = 9.4784
P/E Forward = 14.5985
P/S = 3.8739
P/B = 2.9151
P/EG = 1.0696
Revenue TTM = 716.2m USD
EBIT TTM = 306.4m USD
EBITDA TTM = 311.0m USD
Long Term Debt = 223.4m USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.11b USD (from shortTermDebt, last quarter)
Debt = 1.32b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -287.4m USD (calculated: Debt 1.32b - CCE 1.61b)
Enterprise Value = 1.77b USD (2.06b + Debt 1.32b - CCE 1.61b)
Interest Coverage Ratio = 1.74 (Ebit TTM 306.4m / Interest Expense TTM 175.9m)
EV/FCF = 10.84x (Enterprise Value 1.77b / FCF TTM 163.6m)
FCF Yield = 9.23% (FCF TTM 163.6m / Enterprise Value 1.77b)
FCF Margin = 22.84% (FCF TTM 163.6m / Revenue TTM 716.2m)
Net Margin = 33.48% (Net Income TTM 239.8m / Revenue TTM 716.2m)
Gross Margin = 75.23% ((Revenue TTM 716.2m - Cost of Revenue TTM 177.4m) / Revenue TTM)
Gross Margin QoQ = 76.90% (prev 66.98%)
Tobins Q-Ratio = 0.19 (Enterprise Value 1.77b / Total Assets 9.43b)
Interest Expense / Debt = 13.28% (Interest Expense 175.9m / Debt 1.32b)
Taxrate = 21.73% (66.6m / 306.4m)
NOPAT = 239.8m (EBIT 306.4m * (1 - 21.73%))
Current Ratio = 0.19 (Total Current Assets 1.59b / Total Current Liabilities 8.45b)
Debt / Equity = 1.96 (Debt 1.32b / totalStockholderEquity, last quarter 676.8m)
Debt / EBITDA = -0.92 (Net Debt -287.4m / EBITDA 311.0m)
Debt / FCF = -1.76 (Net Debt -287.4m / FCF TTM 163.6m)
Total Stockholder Equity = 692.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.66% (Net Income 239.8m / Total Assets 9.43b)
RoE = 34.64% (Net Income TTM 239.8m / Total Stockholder Equity 692.2m)
RoCE = 33.46% (EBIT 306.4m / Capital Employed (Equity 692.2m + L.T.Debt 223.4m))
RoIC = 11.68% (NOPAT 239.8m / Invested Capital 2.05b)
WACC = 10.40% (E(2.06b)/V(3.38b) * Re(10.41%) + D(1.32b)/V(3.38b) * Rd(13.28%) * (1-Tc(0.22)))
Discount Rate = 10.41% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.86 | Cagr: -9.36%
[DCF] Terminal Value 65.83% ; FCFF base≈238.2m ; Y1≈208.9m ; Y5≈168.8m
[DCF] Fair Price = 56.75 (EV 2.03b - Net Debt -287.4m = Equity 2.31b / Shares 40.8m; r=10.40% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 99.58 | EPS CAGR: 18.03% | SUE: -0.10 | # QB: 0
Revenue Correlation: 72.74 | Revenue CAGR: 9.95% | SUE: 0.84 | # QB: 2
EPS current Year (2026-12-31): EPS=5.98 | Chg30d=-0.11% | Revisions=+40% | GrowthEPS=+21.5% | GrowthRev=-4.0%
EPS next Year (2027-12-31): EPS=8.00 | Chg30d=-1.23% | Revisions=-25% | GrowthEPS=+33.8% | GrowthRev=+0.6%
[Analyst] Revisions Ratio: +17% (up=2, down=1)