BANCORP INC/THE (TBBK) Fundamental Analysis & Valuation

NASDAQ:TBBK • US05969A1051

Current stock price

60.76 USD
+1.9 (+3.23%)
At close:
60.76 USD
0 (0%)
After Hours:

This TBBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. TBBK Profitability Analysis

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.
  • Each year in the past 5 years TBBK had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M -400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.44%, TBBK belongs to the top of the industry, outperforming 98.67% of the companies in the same industry.
  • The Return On Equity of TBBK (33.08%) is better than 100.00% of its industry peers.
Industry RankSector Rank
ROA 2.44%
ROE 33.08%
ROIC N/A
ROA(3y)2.48%
ROA(5y)2.14%
ROE(3y)28.15%
ROE(5y)24.04%
ROIC(3y)N/A
ROIC(5y)N/A
TBBK Yearly ROA, ROE, ROICTBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20

1.3 Margins

  • TBBK's Profit Margin of 32.42% is amongst the best of the industry. TBBK outperforms 83.51% of its industry peers.
  • In the last couple of years the Profit Margin of TBBK has grown nicely.
  • The Operating Margin and Gross Margin are not available for TBBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.07%
PM growth 5Y2.5%
GM growth 3YN/A
GM growth 5YN/A
TBBK Yearly Profit, Operating, Gross MarginsTBBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 -60

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3

2. TBBK Health Analysis

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 is higher compared to a year ago.
TBBK Yearly Shares OutstandingTBBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
TBBK Yearly Total Debt VS Total AssetsTBBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of TBBK is 1.64, which is an excellent value as it means it would take TBBK, only 1.64 years of fcf income to pay off all of its debts.
  • TBBK's Debt to FCF ratio of 1.64 is in line compared to the rest of the industry. TBBK outperforms 53.99% of its industry peers.
  • TBBK has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • TBBK's Debt to Equity ratio of 0.31 is on the low side compared to the rest of the industry. TBBK is outperformed by 68.88% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for TBBK, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 1.64
Altman-Z N/A
ROIC/WACCN/A
WACC12.71%
TBBK Yearly LT Debt VS Equity VS FCFTBBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. TBBK Growth Analysis

3.1 Past

  • TBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.76%, which is quite impressive.
  • Measured over the past years, TBBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 24.93% on average per year.
  • Looking at the last year, TBBK shows a very strong growth in Revenue. The Revenue has grown by 20.11%.
  • The Revenue has been growing by 20.29% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)55.76%
EPS 3Y22.23%
EPS 5Y24.93%
EPS Q2Q%200%
Revenue 1Y (TTM)20.11%
Revenue growth 3Y25.69%
Revenue growth 5Y20.29%
Sales Q2Q%-3.19%

3.2 Future

  • The Earnings Per Share is expected to grow by 40.23% 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 10.30% yearly.
EPS Next Y43.65%
EPS Next 2Y40.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.49%
Revenue Next 2Y10.3%
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 accelerating.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
TBBK Yearly EPS VS EstimatesTBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2 4 6 8

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7

4. TBBK Valuation Analysis

4.1 Price/Earnings Ratio

  • TBBK is valuated reasonably with a Price/Earnings ratio of 11.82.
  • Compared to the rest of the industry, the Price/Earnings ratio of TBBK indicates a somewhat cheap valuation: TBBK is cheaper than 61.17% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of TBBK to the average of the S&P500 Index (26.91), we can say TBBK is valued rather cheaply.
  • The Price/Forward Earnings ratio is 7.36, which indicates a rather cheap valuation of TBBK.
  • Based on the Price/Forward Earnings ratio, TBBK is valued cheaply inside the industry as 93.09% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.99, TBBK is valued rather cheaply.
Industry RankSector Rank
PE 11.82
Fwd PE 7.36
TBBK Price Earnings VS Forward Price EarningsTBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, TBBK is valued a bit cheaper than 76.60% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.86
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 40.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)0.47
EPS Next 2Y40.23%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TBBK Dividend Analysis

5.1 Amount

  • TBBK does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TBBK Fundamentals: All Metrics, Ratios and Statistics

BANCORP INC/THE

NASDAQ:TBBK (4/28/2026, 8:01:34 PM)

After market: 60.76 0 (0%)

60.76

+1.9 (+3.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)07-22
Inst Owners107.92%
Inst Owner Change0.31%
Ins Owners4.82%
Ins Owner Change3.37%
Market Cap2.54B
Revenue(TTM)689.80M
Net Income(TTM)228.21M
Analysts82.22
Price Target72.76 (19.75%)
Short Float %8.55%
Short Ratio6.74
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-13.47%
Min EPS beat(2)-13.93%
Max EPS beat(2)-13.02%
EPS beat(4)0
Avg EPS beat(4)-23.02%
Min EPS beat(4)-62.76%
Max EPS beat(4)-2.37%
EPS beat(8)0
Avg EPS beat(8)-17.82%
EPS beat(12)1
Avg EPS beat(12)-12.45%
EPS beat(16)2
Avg EPS beat(16)-9.8%
Revenue beat(2)0
Avg Revenue beat(2)-8.14%
Min Revenue beat(2)-10.71%
Max Revenue beat(2)-5.57%
Revenue beat(4)0
Avg Revenue beat(4)-5.32%
Min Revenue beat(4)-10.71%
Max Revenue beat(4)-0.14%
Revenue beat(8)0
Avg Revenue beat(8)-7.3%
Revenue beat(12)1
Avg Revenue beat(12)-4.81%
Revenue beat(16)5
Avg Revenue beat(16)6.79%
PT rev (1m)-4.58%
PT rev (3m)-0.91%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)-10.95%
EPS NY rev (1m)0.25%
EPS NY rev (3m)-7.99%
Revenue NQ rev (1m)-5.88%
Revenue NQ rev (3m)5.04%
Revenue NY rev (1m)-6.88%
Revenue NY rev (3m)4.77%
Valuation
Industry RankSector Rank
PE 11.82
Fwd PE 7.36
P/S 3.61
P/FCF 9.86
P/OCF 9.6
P/B 3.69
P/tB 3.69
EV/EBITDA N/A
EPS(TTM)5.14
EY8.46%
EPS(NY)8.26
Fwd EY13.59%
FCF(TTM)6.16
FCFY10.14%
OCF(TTM)6.33
OCFY10.42%
SpS16.82
BVpS16.48
TBVpS16.46
PEG (NY)0.27
PEG (5Y)0.47
Graham Number43.6602 (-28.14%)
Profitability
Industry RankSector Rank
ROA 2.44%
ROE 33.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.42%
GM N/A
FCFM 36.64%
ROA(3y)2.48%
ROA(5y)2.14%
ROE(3y)28.15%
ROE(5y)24.04%
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 3Y-4.07%
PM growth 5Y2.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 1.64
Debt/EBITDA N/A
Cap/Depr 152.47%
Cap/Sales 1.01%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 113.02%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.71%
ROIC/WACCN/A
Cap/Depr(3y)228.32%
Cap/Depr(5y)176.99%
Cap/Sales(3y)1.55%
Cap/Sales(5y)1.32%
Profit Quality(3y)99.26%
Profit Quality(5y)92.25%
High Growth Momentum
Growth
EPS 1Y (TTM)55.76%
EPS 3Y22.23%
EPS 5Y24.93%
EPS Q2Q%200%
EPS Next Y43.65%
EPS Next 2Y40.23%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.11%
Revenue growth 3Y25.69%
Revenue growth 5Y20.29%
Sales Q2Q%-3.19%
Revenue Next Year12.49%
Revenue Next 2Y10.3%
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 1Y25.85%
FCF growth 3Y30.56%
FCF growth 5YN/A
OCF growth 1Y26.25%
OCF growth 3Y29.86%
OCF growth 5YN/A

BANCORP INC/THE / TBBK Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BANCORP INC/THE?

ChartMill assigns a fundamental rating of 5 / 10 to TBBK.


What is the valuation status for TBBK stock?

ChartMill assigns a valuation rating of 7 / 10 to BANCORP INC/THE (TBBK). This can be considered as Undervalued.


What is the profitability of TBBK stock?

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 11.82 and the Price/Book (PB) ratio is 3.69.


Can you provide the financial health for TBBK stock?

The financial health rating of BANCORP INC/THE (TBBK) is 3 / 10.