TBBK Fundamental Analysis - BANCORP INC/THE

Fundamental Rating

TBBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. TBBK has an average financial health and profitability rating. TBBK is not valued too expensively and it also shows a decent growth rate.

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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.

Each year in the past 5 years TBBK has been profitable.

Of the past 5 years TBBK 4 years had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 2.54%, TBBK belongs to the best of the industry, outperforming 99.49% of the companies in the same industry.

TBBK's Return On Equity of 26.09% is amongst the best of 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

The Profit Margin of TBBK (35.56%) is better than 92.84% 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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

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 83.89% of its industry peers.

TBBK has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.

TBBK's Debt to Equity ratio of 0.02 is amongst the best of the industry. TBBK outperforms 85.93% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.35
Altman-Z	N/A

ROIC/WACCN/A

WACC11.83%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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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%.

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.

TBBK shows a strong growth in Revenue. In the last year, 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

The Earnings Per Share is expected to grow by 33.05% on average over the next years. This is a very strong growth

Based on estimates for the next years, TBBK will show a small growth in Revenue. The Revenue will grow by 4.45% on average per year.

EPS Next Y37.77%

EPS Next 2Y33.05%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year1.94%

Revenue Next 2Y4.45%

Revenue Next 3YN/A

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 21.06 indicates a rather expensive valuation of TBBK.

TBBK's Price/Earnings ratio is rather expensive when compared to the industry. TBBK is more expensive than 81.59% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.53. TBBK is valued slightly cheaper when compared to this.

TBBK is valuated reasonably with a Price/Forward Earnings ratio of 10.76.

Compared to the rest of the industry, the Price/Forward Earnings ratio of TBBK indicates a slightly more expensive valuation: TBBK is more expensive than 61.13% of the companies listed in the same industry.

TBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.04.

		Industry Rank	Sector Rank
PE	21.06
Fwd PE	10.76

4.2 Price Multiples

TBBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TBBK is cheaper than 64.96% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.68
EV/EBITDA	N/A

4.3 Compensation for Growth

TBBK's 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 33.05% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.56

PEG (5Y)0.64

EPS Next 2Y33.05%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for TBBK!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BANCORP INC/THE

NASDAQ:TBBK (10/16/2025, 2:05:00 PM)

74.13

-3.99 (-5.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-23 2025-10-23/amc

Inst Owners110.95%

Inst Owner Change-0.03%

Ins Owners4.4%

Ins Owner Change-1.87%

Market Cap3.42B

Analysts82.22

Price Target71.06 (-4.14%)

Short Float %12.59%

Short Ratio7.72

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%

EPS NQ rev (3m)-1.15%

EPS NY rev (1m)0%

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	21.06
Fwd PE	10.76
P/S	5.41
P/FCF	9.68
P/OCF	9.6
P/B	3.97
P/tB	3.97
EV/EBITDA	N/A

EPS(TTM)3.52

EY4.75%

EPS(NY)6.89

Fwd EY9.29%

FCF(TTM)7.66

FCFY10.33%

OCF(TTM)7.72

OCFY10.42%

SpS13.7

BVpS18.67

TBVpS18.65

PEG (NY)0.56

PEG (5Y)0.64

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

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-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

WACC11.83%

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 Y37.77%

EPS Next 2Y33.05%

EPS Next 3YN/A

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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