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BANCORP INC/THE (TBBK) Stock Fundamental Analysis

NASDAQ:TBBK - US05969A1051 - Common Stock

72.73 USD
+5.2 (+7.7%)
Last: 8/22/2025, 4:49:17 PM
72.45 USD
-0.28 (-0.38%)
After Hours: 8/22/2025, 4:49:17 PM
Fundamental Rating

5

Taking everything into account, TBBK scores 5 out of 10 in our fundamental rating. TBBK was compared to 393 industry peers in the Banks industry. Both the profitability and the financial health of TBBK get a neutral evaluation. Nothing too spectacular is happening here. TBBK is growing strongly while it is still valued neutral. This is a good combination! These ratings could make TBBK a good candidate for growth investing.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

TBBK had positive earnings in the past year.
In the past year TBBK had a positive cash flow from operations.
In the past 5 years TBBK has always been profitable.
Of the past 5 years TBBK 4 years 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

TBBK has a Return On Assets of 2.33%. This is amongst the best in the industry. TBBK outperforms 97.96% of its industry peers.
With an excellent Return On Equity value of 26.31%, TBBK belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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

TBBK has a better Profit Margin (38.01%) than 94.15% 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.
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.
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

TBBK has a debt to FCF ratio of 0.44. This is a very positive value and a sign of high solvency as it would only need 0.44 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.44, TBBK belongs to the best 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 86.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACCN/A
WACC12.34%
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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7

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.
TBBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.60%.
TBBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.33% yearly.
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 30.55% yearly.
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

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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

With a Price/Earnings ratio of 20.66, TBBK is valued on the expensive side.
Based on the Price/Earnings ratio, TBBK is valued a bit more expensive than 79.13% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.76, TBBK is valued a bit cheaper.
TBBK is valuated reasonably with a Price/Forward Earnings ratio of 10.97.
The rest of the industry has a similar Price/Forward Earnings ratio as TBBK.
When comparing the Price/Forward Earnings ratio of TBBK to the average of the S&P500 Index (34.91), we can say TBBK is valued rather cheaply.
Industry RankSector Rank
PE 20.66
Fwd PE 10.97
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TBBK is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.85
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

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 30.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)0.62
EPS Next 2Y30.55%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

TBBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BANCORP INC/THE

NASDAQ:TBBK (8/22/2025, 4:49:17 PM)

After market: 72.45 -0.28 (-0.38%)

72.73

+5.2 (+7.7%)

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 Owners108.05%
Inst Owner Change0.42%
Ins Owners4.52%
Ins Owner Change-1.58%
Market Cap3.35B
Analysts80
Price Target69.36 (-4.63%)
Short Float %12.98%
Short Ratio8.17
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)7.37%
PT rev (3m)4.62%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)0.16%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.71%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 20.66
Fwd PE 10.97
P/S 5.83
P/FCF 11.85
P/OCF 11.68
P/B 4.04
P/tB 4.04
EV/EBITDA N/A
EPS(TTM)3.52
EY4.84%
EPS(NY)6.63
Fwd EY9.12%
FCF(TTM)6.14
FCFY8.44%
OCF(TTM)6.23
OCFY8.56%
SpS12.47
BVpS18.01
TBVpS17.98
PEG (NY)0.55
PEG (5Y)0.62
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
WACC12.34%
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)30.6%
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