69.47 USD
+0.03 (+0.04%)
69.47 USD
0 (0%)
TBBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 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 has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year TBBK was profitable.
- TBBK had a positive operating cash flow in the past year.
- TBBK had positive earnings in each of the past 5 years.
- Of the past 5 years TBBK 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 2.65%, TBBK belongs to the top of the industry, outperforming 99.48% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 29.28%, TBBK belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.65% | ||
| ROE | 29.28% | ||
| 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 (33.51%) is better than 87.21% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.51% | ||
| 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
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.
- The debt/assets ratio for TBBK has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of TBBK is 1.11, which is an excellent value as it means it would take TBBK, only 1.11 years of fcf income to pay off all of its debts.
- TBBK has a Debt to FCF ratio of 1.11. This is in the better half of the industry: TBBK outperforms 63.19% of its industry peers.
- TBBK has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
- TBBK has a worse Debt to Equity ratio (0.27) than 65.01% of its industry peers.
- Although TBBK does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.11 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for TBBK have decreased by -7.58% in the last year.
- TBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 33.14% yearly.
- Looking at the last year, TBBK shows a very strong growth in Revenue. The Revenue has grown by 37.81%.
- 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)-7.58%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%13.46%
Revenue 1Y (TTM)37.81%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%0.5%
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 28.18% on average per year.
- Based on estimates for the next years, TBBK will show a small growth in Revenue. The Revenue will grow by 4.01% on average per year.
EPS Next Y33.03%
EPS Next 2Y29.83%
EPS Next 3Y28.18%
EPS Next 5YN/A
Revenue Next Year1.45%
Revenue Next 2Y4.37%
Revenue Next 3Y4.01%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 18.98, which indicates a rather expensive current valuation of TBBK.
- 79.90% of the companies in the same industry are cheaper than TBBK, based on the Price/Earnings ratio.
- TBBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 10.59, the valuation of TBBK can be described as reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as TBBK.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, TBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.98 | ||
| Fwd PE | 10.59 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of TBBK indicates a somewhat cheap valuation: TBBK is cheaper than 79.11% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.02 | ||
| 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 28.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)0.57
EPS Next 2Y29.83%
EPS Next 3Y28.18%
5. Dividend
5.1 Amount
- TBBK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
69.47
+0.03 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners110.3%
Inst Owner Change0.3%
Ins Owners4.62%
Ins Owner Change-2.39%
Market Cap3.05B
Revenue(TTM)679.80M
Net Income(TTM)227.83M
Analysts82.22
Price Target75.14 (8.16%)
Short Float %11.13%
Short Ratio7.85
Dividend
| Industry Rank | Sector 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)-7.69%
Min EPS beat(2)-13.02%
Max EPS beat(2)-2.37%
EPS beat(4)0
Avg EPS beat(4)-28.55%
Min EPS beat(4)-62.76%
Max EPS beat(4)-2.37%
EPS beat(8)0
Avg EPS beat(8)-18.16%
EPS beat(12)1
Avg EPS beat(12)-11.33%
EPS beat(16)3
Avg EPS beat(16)-8.92%
Revenue beat(2)0
Avg Revenue beat(2)-2.86%
Min Revenue beat(2)-5.57%
Max Revenue beat(2)-0.14%
Revenue beat(4)0
Avg Revenue beat(4)-3.76%
Min Revenue beat(4)-5.57%
Max Revenue beat(4)-0.14%
Revenue beat(8)0
Avg Revenue beat(8)-6%
Revenue beat(12)2
Avg Revenue beat(12)-0.74%
Revenue beat(16)6
Avg Revenue beat(16)10.79%
PT rev (1m)0%
PT rev (3m)5.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.44%
Revenue NQ rev (1m)1.86%
Revenue NQ rev (3m)1.66%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)-0.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.98 | ||
| Fwd PE | 10.59 | ||
| P/S | 4.49 | ||
| P/FCF | 8.02 | ||
| P/OCF | 7.97 | ||
| P/B | 3.92 | ||
| P/tB | 3.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.66
EY5.27%
EPS(NY)6.56
Fwd EY9.44%
FCF(TTM)8.66
FCFY12.46%
OCF(TTM)8.72
OCFY12.55%
SpS15.48
BVpS17.72
TBVpS17.7
PEG (NY)0.57
PEG (5Y)0.57
Graham Number38.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.65% | ||
| ROE | 29.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.51% | ||
| GM | N/A | ||
| FCFM | 55.94% |
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
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 3Y5.86%
PM growth 5Y14.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | 1.11 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 55.68% | ||
| Cap/Sales | 0.37% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 166.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.53%
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)-7.58%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%13.46%
EPS Next Y33.03%
EPS Next 2Y29.83%
EPS Next 3Y28.18%
EPS Next 5YN/A
Revenue 1Y (TTM)37.81%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%0.5%
Revenue Next Year1.45%
Revenue Next 2Y4.37%
Revenue Next 3Y4.01%
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 1Y130.35%
FCF growth 3Y39.68%
FCF growth 5YN/A
OCF growth 1Y114.94%
OCF growth 3Y39.86%
OCF growth 5YN/A
BANCORP INC/THE / TBBK 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 5 / 10 to BANCORP INC/THE (TBBK). This can be considered as Fairly Valued.
How profitable is BANCORP INC/THE (TBBK) stock?
BANCORP INC/THE (TBBK) has a profitability rating of 5 / 10.
What is the earnings growth outlook for BANCORP INC/THE?
The Earnings per Share (EPS) of BANCORP INC/THE (TBBK) is expected to grow by 33.03% in the next year.