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BANCORP INC/THE (TBBK) Stock Fundamental Analysis

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

51.1  -0.68 (-1.31%)

After market: 51.1 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to TBBK. TBBK was compared to 395 industry peers in the Banks industry. TBBK has only an average score on both its financial health and profitability. TBBK is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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5

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.
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 97.73% of its industry peers.
Looking at the Return On Equity, with a value of 26.31%, TBBK belongs to the top of the industry, outperforming 99.75% 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

The Profit Margin of TBBK (38.01%) is better than 93.94% 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.
Compared to 1 year ago, TBBK has less shares outstanding
The number of shares outstanding for TBBK has been reduced compared to 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

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.
TBBK has a better Debt to FCF ratio (0.44) than 82.83% 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 86.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.44
Altman-Z N/A
ROIC/WACCN/A
WACC13.69%
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

TBBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.33%.
The Earnings Per Share has been growing by 33.14% on average over the past years. This is a very strong growth
The Revenue has grown by 20.87% in the past year. This is a very strong growth!
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)-10.33%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%-55.66%
Revenue 1Y (TTM)20.87%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%-2.83%

3.2 Future

Based on estimates for the next years, TBBK will show a very strong growth in Earnings Per Share. The EPS will grow by 30.55% on average per year.
The Revenue is expected to grow by 4.16% on average over the next years.
EPS Next Y37.57%
EPS Next 2Y30.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.66%
Revenue Next 2Y4.16%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 15.48, the valuation of TBBK can be described as correct.
71.97% of the companies in the same industry are cheaper than TBBK, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.91. TBBK is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 7.71, the valuation of TBBK can be described as very cheap.
TBBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. TBBK is cheaper than 80.05% of the companies in the same industry.
TBBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.48
Fwd PE 7.71
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

TBBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TBBK is cheaper than 72.98% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.44
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)0.41
PEG (5Y)0.47
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 (5/23/2025, 8:58:13 PM)

After market: 51.1 0 (0%)

51.1

-0.68 (-1.31%)

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 Change-2.83%
Ins Owners4.86%
Ins Owner Change1.38%
Market Cap2.39B
Analysts82.22
Price Target66.3 (29.75%)
Short Float %15.13%
Short Ratio10.77
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)-5.8%
PT rev (3m)-5.8%
EPS NQ rev (1m)-0.55%
EPS NQ rev (3m)-0.81%
EPS NY rev (1m)-0.71%
EPS NY rev (3m)-0.96%
Revenue NQ rev (1m)-1.77%
Revenue NQ rev (3m)-2.97%
Revenue NY rev (1m)-2.34%
Revenue NY rev (3m)-3.65%
Valuation
Industry RankSector Rank
PE 15.48
Fwd PE 7.71
P/S 4.16
P/FCF 8.44
P/OCF 8.32
P/B 2.88
P/tB 2.88
EV/EBITDA N/A
EPS(TTM)3.3
EY6.46%
EPS(NY)6.63
Fwd EY12.97%
FCF(TTM)6.05
FCFY11.84%
OCF(TTM)6.14
OCFY12.02%
SpS12.3
BVpS17.76
TBVpS17.74
PEG (NY)0.41
PEG (5Y)0.47
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
WACC13.69%
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)-10.33%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%-55.66%
EPS Next Y37.57%
EPS Next 2Y30.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.87%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%-2.83%
Revenue Next Year1.66%
Revenue Next 2Y4.16%
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