(TBBK) The Bancorp - Overview
Stock: Deposits, Securities-Backed Credit, Fleet Leasing, Bridge Loans, Prepaid Cards
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 55.3% |
| Relative Tail Risk | -8.76% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.15 |
| Alpha | -22.20 |
| Character TTM | |
|---|---|
| Beta | 1.467 |
| Beta Downside | 1.682 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.28% |
| CAGR/Max DD | 0.59 |
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) 6.0
| Net Income: 228.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 1.81 > 1.0 |
| NWC/Revenue: 203.8% < 20% (prev -913.6%; Δ 1117 % < -1%) |
| CFO/TA 0.04 > 3% & CFO 382.8m > Net Income 228.2m |
| Net Debt (191.0m) to EBITDA (231.4m): 0.83 < 3 |
| Current Ratio: 8.66 > 1.5 & < 3 |
| Outstanding Shares: last quarter (44.1m) vs 12m ago -9.38% < -2% |
| Gross Margin: 63.60% > 18% (prev 0.71%; Δ 6289 % > 0.5%) |
| Asset Turnover: 8.27% > 50% (prev 8.01%; Δ 0.27% > 0%) |
| Interest Coverage Ratio: 1.54 > 6 (EBITDA TTM 231.4m / Interest Expense TTM 148.3m) |
Altman Z'' 1.65
| A: 0.16 (Total Current Assets 1.72b - Total Current Liabilities 199.0m) / Total Assets 9.35b |
| B: 0.10 (Retained Earnings 951.1m / Total Assets 9.35b) |
| C: 0.03 (EBIT TTM 228.0m / Avg Total Assets 9.04b) |
| D: 0.08 (Book Value of Equity 689.8m / Total Liabilities 8.66b) |
| Altman-Z'' Score: 1.65 = BB |
What is the price of TBBK shares?
Over the past week, the price has changed by +4.34%, over one month by -10.71%, over three months by +0.86% and over the past year by -0.86%.
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 | 23.3% |
| Analysts Target Price | 76.5 | 23.3% |
| ValueRay Target Price | 71.7 | 15.6% |
TBBK Fundamental Data Overview February 01, 2026
P/S = 5.2338
P/B = 3.7844
P/EG = 1.46
Revenue TTM = 747.7m USD
EBIT TTM = 228.0m USD
EBITDA TTM = 231.4m USD
Long Term Debt = 223.3m USD (from longTermDebt, two quarters ago)
Short Term Debt = 199.0m USD (from shortTermDebt, last quarter)
Debt = 199.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 191.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.26b USD (2.74b + Debt 199.0m - CCE 1.68b)
Interest Coverage Ratio = 1.54 (Ebit TTM 228.0m / Interest Expense TTM 148.3m)
EV/FCF = 3.29x (Enterprise Value 1.26b / FCF TTM 382.2m)
FCF Yield = 30.40% (FCF TTM 382.2m / Enterprise Value 1.26b)
FCF Margin = 51.12% (FCF TTM 382.2m / Revenue TTM 747.7m)
Net Margin = 30.52% (Net Income TTM 228.2m / Revenue TTM 747.7m)
Gross Margin = 63.60% ((Revenue TTM 747.7m - Cost of Revenue TTM 272.2m) / Revenue TTM)
Gross Margin QoQ = none% (prev 59.76%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.26b / Total Assets 9.35b)
Interest Expense / Debt = 6.23% (Interest Expense 12.4m / Debt 199.0m)
Taxrate = 24.94% (18.7m / 75.0m)
NOPAT = 171.2m (EBIT 228.0m * (1 - 24.94%))
Current Ratio = 8.66 (Total Current Assets 1.72b / Total Current Liabilities 199.0m)
Debt / Equity = 0.29 (Debt 199.0m / totalStockholderEquity, last quarter 689.8m)
Debt / EBITDA = 0.83 (Net Debt 191.0m / EBITDA 231.4m)
Debt / FCF = 0.50 (Net Debt 191.0m / FCF TTM 382.2m)
Total Stockholder Equity = 789.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 2.52% (Net Income 228.2m / Total Assets 9.35b)
RoE = 28.91% (Net Income TTM 228.2m / Total Stockholder Equity 789.5m)
RoCE = 22.52% (EBIT 228.0m / Capital Employed (Equity 789.5m + L.T.Debt 223.3m))
RoIC = 17.47% (NOPAT 171.2m / Invested Capital 979.6m)
WACC = 10.87% (E(2.74b)/V(2.94b) * Re(11.32%) + D(199.0m)/V(2.94b) * Rd(6.23%) * (1-Tc(0.25)))
Discount Rate = 11.32% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -9.82%
[DCF Debug] Terminal Value 72.52% ; FCFF base≈308.9m ; Y1≈381.0m ; Y5≈648.9m
Fair Price DCF = 152.7 (EV 6.90b - Net Debt 191.0m = Equity 6.71b / Shares 43.9m; r=10.87% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 93.16 | EPS CAGR: 28.49% | SUE: -2.73 | # QB: 0
Revenue Correlation: 53.93 | Revenue CAGR: -0.14% | SUE: -0.57 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.51 | Chg30d=+0.010 | Revisions Net=-2 | Analysts=1
EPS current Year (2026-12-31): EPS=6.43 | Chg30d=+0.000 | Revisions Net=-2 | Growth EPS=+30.7% | Growth Revenue=+8.8%
EPS next Year (2027-12-31): EPS=8.03 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+24.9% | Growth Revenue=+4.4%