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BANCORP INC/THE (TBBK) Stock Fundamental Analysis

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

51.9  +2.43 (+4.91%)

After market: 51.9 0 (0%)

Fundamental Rating

5

Overall TBBK gets a fundamental rating of 5 out of 10. We evaluated TBBK against 398 industry peers in the Banks industry. TBBK has only an average score on both its financial health and profitability. TBBK has a correct valuation and a medium growth rate.


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

With an excellent Return On Assets value of 2.49%, TBBK belongs to the best of the industry, outperforming 97.99% of the companies in the same industry.
The Return On Equity of TBBK (27.54%) is better than 99.75% of its industry peers.
Industry RankSector Rank
ROA 2.49%
ROE 27.54%
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

Looking at the Profit Margin, with a value of 41.62%, TBBK belongs to the top of the industry, outperforming 96.98% of the companies in the same industry.
TBBK's Profit Margin has improved in the last couple of years.
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) 41.62%
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

TBBK has a debt to FCF ratio of 0.55. This is a very positive value and a sign of high solvency as it would only need 0.55 years to pay back of all of its debts.
The Debt to FCF ratio of TBBK (0.55) is better than 82.16% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that TBBK is not too dependend on debt financing.
The Debt to Equity ratio of TBBK (0.02) is better than 86.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC13.45%
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 has grown by an nice 9.24% over the past year.
The Earnings Per Share has been growing by 33.14% on average over the past years. This is a very strong growth
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)9.24%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%12.26%
Revenue 1Y (TTM)12.14%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%85.76%

3.2 Future

TBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 30.89% yearly.
The Revenue is expected to grow by 6.14% on average over the next years.
EPS Next Y38.55%
EPS Next 2Y30.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.1%
Revenue Next 2Y6.14%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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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6

4. Valuation

4.1 Price/Earnings Ratio

TBBK is valuated correctly with a Price/Earnings ratio of 12.91.
TBBK's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 28.22, TBBK is valued rather cheaply.
A Price/Forward Earnings ratio of 7.79 indicates a rather cheap valuation of TBBK.
82.66% of the companies in the same industry are more expensive than TBBK, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of TBBK to the average of the S&P500 Index (20.86), we can say TBBK is valued rather cheaply.
Industry RankSector Rank
PE 12.91
Fwd PE 7.79
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

The rest of the industry has a similar Price/Free Cash Flow ratio as TBBK.
Industry RankSector Rank
P/FCF 11.08
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 30.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)0.39
EPS Next 2Y30.89%
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 (5/2/2025, 8:25:00 PM)

After market: 51.9 0 (0%)

51.9

+2.43 (+4.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners106.06%
Inst Owner Change0.36%
Ins Owners4.86%
Ins Owner Change-0.04%
Market Cap2.49B
Analysts82.22
Price Target70.38 (35.61%)
Short Float %15.65%
Short Ratio10.86
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)-22.73%
Min EPS beat(2)-36.06%
Max EPS beat(2)-9.39%
EPS beat(4)0
Avg EPS beat(4)-12.61%
Min EPS beat(4)-36.06%
Max EPS beat(4)-1.53%
EPS beat(8)1
Avg EPS beat(8)-7.16%
EPS beat(12)2
Avg EPS beat(12)-5.4%
EPS beat(16)6
Avg EPS beat(16)-2.24%
Revenue beat(2)0
Avg Revenue beat(2)-5.97%
Min Revenue beat(2)-7.47%
Max Revenue beat(2)-4.46%
Revenue beat(4)0
Avg Revenue beat(4)-9.28%
Min Revenue beat(4)-20.55%
Max Revenue beat(4)-4.46%
Revenue beat(8)1
Avg Revenue beat(8)-4.56%
Revenue beat(12)5
Avg Revenue beat(12)10.83%
Revenue beat(16)9
Avg Revenue beat(16)20.04%
PT rev (1m)0%
PT rev (3m)8.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.23%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)0.79%
Revenue NQ rev (1m)-1.21%
Revenue NQ rev (3m)-3.19%
Revenue NY rev (1m)-1.33%
Revenue NY rev (3m)-15.41%
Valuation
Industry RankSector Rank
PE 12.91
Fwd PE 7.79
P/S 4.76
P/FCF 11.08
P/OCF 10.84
P/B 3.15
P/tB 3.16
EV/EBITDA N/A
EPS(TTM)4.02
EY7.75%
EPS(NY)6.66
Fwd EY12.84%
FCF(TTM)4.68
FCFY9.02%
OCF(TTM)4.79
OCFY9.22%
SpS10.9
BVpS16.47
TBVpS16.44
PEG (NY)0.33
PEG (5Y)0.39
Profitability
Industry RankSector Rank
ROA 2.49%
ROE 27.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.62%
GM N/A
FCFM 42.96%
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 0.55
Debt/EBITDA N/A
Cap/Depr 119.71%
Cap/Sales 0.95%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.45%
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)9.24%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%12.26%
EPS Next Y38.55%
EPS Next 2Y30.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.14%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%85.76%
Revenue Next Year4.1%
Revenue Next 2Y6.14%
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 1Y29.03%
FCF growth 3Y39.68%
FCF growth 5YN/A
OCF growth 1Y22.93%
OCF growth 3Y39.86%
OCF growth 5YN/A