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The Bancorp, Inc. (TBBK)

NEUTRAL
Financial ServicesBanks - RegionalUnited States

基本面

69

价格

$67.10

市值

$2.74B

第一部分 · 这家公司值多少

概览

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.

资产负债表与流动性

营收

$672M

最近12个月(截至2026/6/30)

净利润

$232M

最近12个月(截至2026/6/30)

自由现金流

$258M

股东权益合计

$690M

负债合计

$8.66B

流动比率

-

利息覆盖率

0.84

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

Bank合理估值

公允价值

$61.73

当前价格

$67.10

安全边际

-8.7%

公允价值区间

$45.71 - $77.76

估算方法

Analyst price target:$84.33
Discounted cash flow (DCF):Not applicable to this type of company
Earnings multiple (P/E):$48.28
Graham growth formula:Not applicable to this type of company
Earnings power value (EPV):Not applicable to this type of company
Justified P/B:$51.51
Dividend discount (Gordon):Not enough data to compute it
P/FFO, funds from operations:Not applicable to this type of company
Mid-cycle earnings:Not applicable to this type of company
Revenue multiple:Not applicable to this type of company
分析师共识:强力买入 (8B / 1H / 0S)
最近财报超预期:+4.27%

估值指标

市盈率(P/E)

12.56

ROE

33.1%

市净率(P/B)

3.86

P/FCF

11.68

毛利率

-

ROIC

-

盈利能力雷达图

Value Creation (Economic Moat)

ROIC

-

WACC

12.3%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(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%

不可用(5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-评分

5/9

信号混杂:部分领域需关注

score
criteria

盈利质量

1.03

高质量:盈利有现金流支撑

股权稀释

-8.5%

正在回购股份,对股东友好

公司治理

管理团队

姓名职位年龄
Mr. Damian M. KozlowskiCEO, President & Director60
Mr. Dominic C. Canuso C.F.A.Executive VP & CFO50
Mr. Gregor J. GarryExecutive VP & COO41
Mr. Martin F. EganMD & Chief Accounting Officer57
Mr. Mark Leo ConnollyExecutive VP, Head of Credit Solutions & Chief Credit Officer57
Mr. Ryan HarrisExecutive VP & Head of Fintech Solutions47
Mr. Andres ViroslavDirector of Investor Relations-
Ms. Erika R. CaesarExecutive VP, General Counsel & Corporate Secretary41
Ms. Maria WainwrightExecutive VP & Chief Marketing Officer47
Ms. Jennifer F. TerryExecutive VP & Chief Human Resources Officer52

审计风险

10

董事会风险

2

薪酬风险

4

股东权利风险

1

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

Latest News

Recent headlines for TBBK, sourced from Markets Gazette.

  • 3/3/2026POSITIVE
    Is 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