The Bancorp, Inc. (TBBK)
NEUTRALFundamental
69
Price
$67.10
Market Cap
$2.74B
Part 1 · What the company is worth
Overview
The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, money market, and commercial accounts. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; financing to investment advisors; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card loans, payroll advances, and others. In addition, it offers automated clearing house (ACH) bill, and other payment services; debit and prepaid card issuing services; card and bill payment; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$672M
Trailing 12 months (through 6/30/2026)
Net Income
$232M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$258M
Total Equity
$690M
Total Liabilities
$8.66B
Current Ratio
-
Interest Coverage
0.84
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$61.73
Current Price
$67.10
Margin of Safety
-8.7%
Fair Value Range
$45.71 - $77.76
Estimation Methods
Valuation Metrics
P/E Ratio
12.56
ROE
33.1%
P/B Ratio
3.86
P/FCF
11.68
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
12.3%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 41.07%
- Price CAGR 23.94%
- P/FCF 11.68
- Operating Margin 45.8%
- Positive Free Cash Flow
- CapEx intensity
- Return on Tangible Assets
- Low reliance on intangibles
- ROE 30.6%
- Revenue Growth 5Y 20.4%
- Analyst Consensus 89% Buy
- PEG Ratio 0.42
- Earnings Quality (OCF/NI) 1.03
- Share Dilution -8.5%
- Piotroski F-Score 5/9
Failed (7)
- P/B Ratio 3.86
- Debt/Equity ratio
- Interest Coverage
- Price below Graham Number
- DCF valuation (Overvalued)
- Earnings Surprise avg -4.8%
- Net Margin Trend 34.5% vs 35.0%
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Damian M. Kozlowski | CEO, President & Director | 60 |
| Mr. Dominic C. Canuso C.F.A. | Executive VP & CFO | 50 |
| Mr. Gregor J. Garry | Executive VP & COO | 41 |
| Mr. Martin F. Egan | MD & Chief Accounting Officer | 57 |
| Mr. Mark Leo Connolly | Executive VP, Head of Credit Solutions & Chief Credit Officer | 57 |
| Mr. Ryan Harris | Executive VP & Head of Fintech Solutions | 47 |
| Mr. Andres Viroslav | Director of Investor Relations | - |
| Ms. Erika R. Caesar | Executive VP, General Counsel & Corporate Secretary | 41 |
| Ms. Maria Wainwright | Executive VP & Chief Marketing Officer | 47 |
| Ms. Jennifer F. Terry | Executive VP & Chief Human Resources Officer | 52 |
Audit Risk
10
Board Risk
2
Compensation Risk
4
Shareholder Rights Risk
1
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for TBBK, sourced from Markets Gazette.
- 3/3/2026POSITIVEIs Bancorp Stock a Buy as One Investor Adds $3 Million to Position?
A recent market development reveals a significant investor has increased their stake in The Bancorp, a fintech-focused lender, by an additional $3 million. This move suggests strong confidence in the company's future prospects, known for delivering specialized banking and payment solutions to business and institutional clients nationwide. Such a substantial capital injection from a single investor can be interpreted as a bullish signal, indicating expectations of growth or an undervaluation of the stock. Investors should closely monitor The Bancorp, as institutional interest often precedes significant price movements, particularly within the dynamic fintech sector.
via Markets Gazette