BANCORP INC/THE (TBBK) Stock Fundamental Analysis
USA - NASDAQ:TBBK - US05969A1051 - Common Stock
78.8 USD
+0.06 (+0.08%)
78.8 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to TBBK. TBBK was compared to 390 industry peers in the Banks industry. TBBK has only an average score on both its financial health and profitability. TBBK has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
TBBK had positive earnings in the past year.
TBBK had a positive operating cash flow in the past year.
TBBK had positive earnings in each of the past 5 years.
Of the past 5 years TBBK 4 years had a positive operating cash flow.
1.2 Ratios
TBBK's Return On Assets of 2.54% is amongst the best of the industry. TBBK outperforms 99.49% of its industry peers.
TBBK has a Return On Equity of 26.09%. This is amongst the best in the industry. TBBK outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 26.09% | ||
| ROIC | N/A |
ROA(3y)2.21%
ROA(5y)1.91%
ROE(3y)23.38%
ROE(5y)20.17%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
TBBK's Profit Margin of 35.56% is amongst the best of the industry. TBBK outperforms 92.82% of its industry peers.
TBBK's Profit Margin has improved in the last couple of years.
TBBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 35.56% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.86%
PM growth 5Y14.63%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
TBBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
TBBK has less shares outstanding than it did 1 year ago.
TBBK has less shares outstanding than it did 5 years ago.
TBBK has a better debt/assets ratio than last year.
2.2 Solvency
TBBK has a debt to FCF ratio of 0.35. This is a very positive value and a sign of high solvency as it would only need 0.35 years to pay back of all of its debts.
TBBK has a better Debt to FCF ratio (0.35) than 83.59% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that TBBK is not too dependend on debt financing.
The Debt to Equity ratio of TBBK (0.02) is better than 85.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TBBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.33%.
TBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 33.14% yearly.
Looking at the last year, TBBK shows a very strong growth in Revenue. The Revenue has grown by 30.60%.
Measured over the past years, TBBK shows a quite strong growth in Revenue. The Revenue has been growing by 16.33% on average per year.
EPS 1Y (TTM)-8.33%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%20.95%
Revenue 1Y (TTM)30.6%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%3.94%
3.2 Future
TBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.95% yearly.
The Revenue is expected to grow by 4.45% on average over the next years.
EPS Next Y37.39%
EPS Next 2Y32.55%
EPS Next 3Y28.95%
EPS Next 5YN/A
Revenue Next Year1.94%
Revenue Next 2Y4.45%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 22.39, which indicates a rather expensive current valuation of TBBK.
81.79% of the companies in the same industry are cheaper than TBBK, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.08, TBBK is valued at the same level.
The Price/Forward Earnings ratio is 11.53, which indicates a very decent valuation of TBBK.
62.56% of the companies in the same industry are cheaper than TBBK, based on the Price/Forward Earnings ratio.
TBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.39 | ||
| Fwd PE | 11.53 |
4.2 Price Multiples
TBBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TBBK is cheaper than 64.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.29 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TBBK's earnings are expected to grow with 28.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)0.68
EPS Next 2Y32.55%
EPS Next 3Y28.95%
5. Dividend
5.1 Amount
No dividends for TBBK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
78.8
+0.06 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners110.95%
Inst Owner Change0.02%
Ins Owners4.4%
Ins Owner Change-1.87%
Market Cap3.63B
Revenue(TTM)631.03M
Net Income(TTM)224.42M
Analysts82.22
Price Target71.06 (-9.82%)
Short Float %12.35%
Short Ratio8.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-32.57%
Min EPS beat(2)-62.76%
Max EPS beat(2)-2.37%
EPS beat(4)0
Avg EPS beat(4)-27.65%
Min EPS beat(4)-62.76%
Max EPS beat(4)-2.37%
EPS beat(8)0
Avg EPS beat(8)-16.89%
EPS beat(12)1
Avg EPS beat(12)-11.11%
EPS beat(16)4
Avg EPS beat(16)-7.44%
Revenue beat(2)0
Avg Revenue beat(2)-2.51%
Min Revenue beat(2)-4.87%
Max Revenue beat(2)-0.14%
Revenue beat(4)0
Avg Revenue beat(4)-4.24%
Min Revenue beat(4)-7.47%
Max Revenue beat(4)-0.14%
Revenue beat(8)0
Avg Revenue beat(8)-5.72%
Revenue beat(12)3
Avg Revenue beat(12)3%
Revenue beat(16)7
Avg Revenue beat(16)13.86%
PT rev (1m)0%
PT rev (3m)10%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)-1.48%
EPS NY rev (1m)-0.28%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.39 | ||
| Fwd PE | 11.53 | ||
| P/S | 5.75 | ||
| P/FCF | 10.29 | ||
| P/OCF | 10.2 | ||
| P/B | 4.22 | ||
| P/tB | 4.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.52
EY4.47%
EPS(NY)6.84
Fwd EY8.67%
FCF(TTM)7.66
FCFY9.72%
OCF(TTM)7.72
OCFY9.8%
SpS13.7
BVpS18.67
TBVpS18.65
PEG (NY)0.6
PEG (5Y)0.68
Graham Number38.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 26.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 35.56% | ||
| GM | N/A | ||
| FCFM | 55.91% |
ROA(3y)2.21%
ROA(5y)1.91%
ROE(3y)23.38%
ROE(5y)20.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.86%
PM growth 5Y14.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.35 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 71.35% | ||
| Cap/Sales | 0.48% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 157.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.79%
ROIC/WACCN/A
Cap/Depr(3y)213.24%
Cap/Depr(5y)156.51%
Cap/Sales(3y)1.7%
Cap/Sales(5y)1.38%
Profit Quality(3y)94.25%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-8.33%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%20.95%
EPS Next Y37.39%
EPS Next 2Y32.55%
EPS Next 3Y28.95%
EPS Next 5YN/A
Revenue 1Y (TTM)30.6%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%3.94%
Revenue Next Year1.94%
Revenue Next 2Y4.45%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y150.05%
FCF growth 3Y39.68%
FCF growth 5YN/A
OCF growth 1Y131.65%
OCF growth 3Y39.86%
OCF growth 5YN/A
BANCORP INC/THE / TBBK FAQ
Can you provide the ChartMill fundamental rating for BANCORP INC/THE?
ChartMill assigns a fundamental rating of 5 / 10 to TBBK.
Can you provide the valuation status for BANCORP INC/THE?
ChartMill assigns a valuation rating of 4 / 10 to BANCORP INC/THE (TBBK). This can be considered as Fairly Valued.
Can you provide the profitability details for BANCORP INC/THE?
BANCORP INC/THE (TBBK) has a profitability rating of 5 / 10.
What are the PE and PB ratios of BANCORP INC/THE (TBBK) stock?
The Price/Earnings (PE) ratio for BANCORP INC/THE (TBBK) is 22.39 and the Price/Book (PB) ratio is 4.22.
How sustainable is the dividend of BANCORP INC/THE (TBBK) stock?
The dividend rating of BANCORP INC/THE (TBBK) is 0 / 10 and the dividend payout ratio is 0%.