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BANCORP INC/THE (TBBK) Stock Fundamental Analysis

NASDAQ:TBBK - Nasdaq - US05969A1051 - Common Stock - Currency: USD

62.49  -0.67 (-1.06%)

After market: 62.49 0 (0%)

Fundamental Rating

5

Overall TBBK gets a fundamental rating of 5 out of 10. We evaluated TBBK against 393 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.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year TBBK was profitable.
In the past year TBBK had a positive cash flow from operations.
In the past 5 years TBBK has always been profitable.
TBBK had a positive operating cash flow in 4 of the past 5 years.
TBBK Yearly Net Income VS EBIT VS OCF VS FCFTBBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

TBBK's Return On Assets of 2.33% is amongst the best of the industry. TBBK outperforms 97.96% of its industry peers.
TBBK has a Return On Equity of 26.31%. This is amongst the best in the industry. TBBK outperforms 100.00% of its industry peers.
Industry RankSector Rank
ROA 2.33%
ROE 26.31%
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
TBBK Yearly ROA, ROE, ROICTBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

The Profit Margin of TBBK (38.01%) is better than 93.89% of its industry peers.
In the last couple of years the Profit Margin of TBBK has grown nicely.
TBBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 38.01%
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
TBBK Yearly Profit, Operating, Gross MarginsTBBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 -60

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5

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.
The number of shares outstanding for TBBK has been reduced compared to 5 years ago.
TBBK has a better debt/assets ratio than last year.
TBBK Yearly Shares OutstandingTBBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
TBBK Yearly Total Debt VS Total AssetsTBBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of TBBK is 0.44, which is an excellent value as it means it would take TBBK, only 0.44 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.44, TBBK belongs to the top of the industry, outperforming 82.70% 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 86.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACCN/A
WACC12.76%
TBBK Yearly LT Debt VS Equity VS FCFTBBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TBBK Yearly Current Assets VS Current LiabilitesTBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2021 2022 2023 2024 20M 40M 60M 80M 100M

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6

3. Growth

3.1 Past

The earnings per share for TBBK have decreased by -8.33% 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.
The Revenue has grown by 12.14% in the past year. This is quite good.
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)12.14%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%3.94%

3.2 Future

The Earnings Per Share is expected to grow by 30.55% on average over the next years. This is a very strong growth
TBBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.99% yearly.
EPS Next Y37.57%
EPS Next 2Y30.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.66%
Revenue Next 2Y11.99%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
TBBK Yearly Revenue VS EstimatesTBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
TBBK Yearly EPS VS EstimatesTBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

TBBK is valuated rather expensively with a Price/Earnings ratio of 17.75.
TBBK's Price/Earnings ratio is a bit more expensive when compared to the industry. TBBK is more expensive than 78.12% of the companies in the same industry.
TBBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.43, the valuation of TBBK can be described as reasonable.
TBBK's Price/Forward Earnings is on the same level as the industry average.
TBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.
Industry RankSector Rank
PE 17.75
Fwd PE 9.43
TBBK Price Earnings VS Forward Price EarningsTBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

TBBK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.23
EV/EBITDA N/A
TBBK Per share dataTBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 30.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)0.54
EPS Next 2Y30.55%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for TBBK!.
Industry RankSector Rank
Dividend Yield N/A

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BANCORP INC/THE

NASDAQ:TBBK (8/1/2025, 8:05:23 PM)

After market: 62.49 0 (0%)

62.49

-0.67 (-1.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners106.84%
Inst Owner Change-0.04%
Ins Owners4.48%
Ins Owner Change1.96%
Market Cap2.89B
Analysts80
Price Target64.6 (3.38%)
Short Float %14.95%
Short Ratio10.48
Dividend
Industry RankSector 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)-49.41%
Min EPS beat(2)-62.76%
Max EPS beat(2)-36.06%
EPS beat(4)0
Avg EPS beat(4)-27.92%
Min EPS beat(4)-62.76%
Max EPS beat(4)-3.46%
EPS beat(8)0
Avg EPS beat(8)-16.64%
EPS beat(12)2
Avg EPS beat(12)-10.4%
EPS beat(16)5
Avg EPS beat(16)-6.33%
Revenue beat(2)0
Avg Revenue beat(2)-4.67%
Min Revenue beat(2)-4.87%
Max Revenue beat(2)-4.46%
Revenue beat(4)0
Avg Revenue beat(4)-5.36%
Min Revenue beat(4)-7.47%
Max Revenue beat(4)-4.46%
Revenue beat(8)0
Avg Revenue beat(8)-5.94%
Revenue beat(12)4
Avg Revenue beat(12)7.05%
Revenue beat(16)8
Avg Revenue beat(16)16.86%
PT rev (1m)0%
PT rev (3m)-8.21%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)-0.39%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.34%
Valuation
Industry RankSector Rank
PE 17.75
Fwd PE 9.43
P/S 5.03
P/FCF 10.23
P/OCF 10.08
P/B 3.48
P/tB 3.49
EV/EBITDA N/A
EPS(TTM)3.52
EY5.63%
EPS(NY)6.63
Fwd EY10.61%
FCF(TTM)6.11
FCFY9.78%
OCF(TTM)6.2
OCFY9.92%
SpS12.41
BVpS17.94
TBVpS17.91
PEG (NY)0.47
PEG (5Y)0.54
Profitability
Industry RankSector Rank
ROA 2.33%
ROE 26.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 38.01%
GM N/A
FCFM 49.22%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.44
Debt/EBITDA N/A
Cap/Depr 98.2%
Cap/Sales 0.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 129.49%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.76%
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 Y37.57%
EPS Next 2Y30.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.14%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%3.94%
Revenue Next Year1.66%
Revenue Next 2Y11.99%
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 1Y104.98%
FCF growth 3Y39.68%
FCF growth 5YN/A
OCF growth 1Y96.84%
OCF growth 3Y39.86%
OCF growth 5YN/A