BANCORP INC/THE (TBBK) Stock Fundamental Analysis
USA - NASDAQ:TBBK - US05969A1051 - Common Stock
63.17 USD
-0.4 (-0.63%)
We assign a fundamental rating of 5 out of 10 to TBBK. TBBK was compared to 388 industry peers in the Banks industry. TBBK has only an average score on both its financial health and profitability. TBBK is not priced too expensively while it is growing strongly. Keep and eye on this one! These ratings could make TBBK a good candidate for growth investing.
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.
In the past 5 years TBBK has always been profitable.
TBBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
The Return On Assets of TBBK (2.54%) is better than 99.23% 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 has a Profit Margin of 35.56%. This is amongst the best in the industry. TBBK outperforms 92.78% of its industry peers.
TBBK's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for TBBK so they could not be analyzed.
| 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.
The number of shares outstanding for TBBK has been reduced compared to 1 year ago.
TBBK has less shares outstanding than it did 5 years ago.
The debt/assets ratio for TBBK has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of TBBK is 0.35, which is an excellent value as it means it would take TBBK, only 0.35 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.35, TBBK belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.
TBBK has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
TBBK has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. TBBK outperforms 86.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for TBBK have decreased by -7.58% in the last year.
Measured over the past years, TBBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 33.14% on average per year.
Looking at the last year, TBBK shows a quite strong growth in Revenue. The Revenue has grown by 12.14% in the last year.
The Revenue has been growing by 16.33% on average over the past years. This is quite good.
EPS 1Y (TTM)-7.58%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%13.46%
Revenue 1Y (TTM)12.14%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%0.5%
3.2 Future
The Earnings Per Share is expected to grow by 28.35% on average over the next years. This is a very strong growth
TBBK is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.79% yearly.
EPS Next Y35%
EPS Next 2Y30.84%
EPS Next 3Y28.35%
EPS Next 5YN/A
Revenue Next Year1.94%
Revenue Next 2Y37.72%
Revenue Next 3Y21.79%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 17.26, which indicates a rather expensive current valuation of TBBK.
Based on the Price/Earnings ratio, TBBK is valued a bit more expensive than 76.80% of the companies in the same industry.
When comparing the Price/Earnings ratio of TBBK to the average of the S&P500 Index (26.34), we can say TBBK is valued slightly cheaper.
The Price/Forward Earnings ratio is 9.49, which indicates a very decent valuation of TBBK.
The rest of the industry has a similar Price/Forward Earnings ratio as TBBK.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.43, TBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.26 | ||
| Fwd PE | 9.49 |
4.2 Price Multiples
79.38% of the companies in the same industry are more expensive than TBBK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.25 | ||
| 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.
A more expensive valuation may be justified as TBBK's earnings are expected to grow with 28.35% in the coming years.
PEG (NY)0.49
PEG (5Y)0.52
EPS Next 2Y30.84%
EPS Next 3Y28.35%
5. Dividend
5.1 Amount
No dividends for TBBK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:TBBK (11/13/2025, 12:17:51 PM)
63.17
-0.4 (-0.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners110.95%
Inst Owner Change-0.4%
Ins Owners4.4%
Ins Owner Change-1.87%
Market Cap2.91B
Revenue(TTM)522.72M
Net Income(TTM)224.42M
Analysts82.22
Price Target75.14 (18.95%)
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)5.74%
PT rev (3m)16.32%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)0.02%
EPS NY rev (1m)-2.01%
EPS NY rev (3m)-1.87%
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 | 17.26 | ||
| Fwd PE | 9.49 | ||
| P/S | 4.61 | ||
| P/FCF | 8.25 | ||
| P/OCF | 8.18 | ||
| P/B | 3.38 | ||
| P/tB | 3.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.66
EY5.79%
EPS(NY)6.66
Fwd EY10.54%
FCF(TTM)7.66
FCFY12.12%
OCF(TTM)7.72
OCFY12.23%
SpS13.7
BVpS18.67
TBVpS18.65
PEG (NY)0.49
PEG (5Y)0.52
Graham Number39.21
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
WACC12.62%
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)-7.58%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%13.46%
EPS Next Y35%
EPS Next 2Y30.84%
EPS Next 3Y28.35%
EPS Next 5YN/A
Revenue 1Y (TTM)12.14%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%0.5%
Revenue Next Year1.94%
Revenue Next 2Y37.72%
Revenue Next 3Y21.79%
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 5 / 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 17.26 and the Price/Book (PB) ratio is 3.38.
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%.