65.99 USD
+0.34 (+0.52%)
65.99 USD
0 (0%)
Taking everything into account, TBBK scores 5 out of 10 in our fundamental rating. TBBK was compared to 387 industry peers in the Banks industry. TBBK has only an average score on both its financial health and profitability. TBBK is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
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.
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.
TBBK has a Return On Equity of 29.28%. This is amongst the best in the industry. TBBK outperforms 100.00% of its industry peers.
| 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
TBBK has a Profit Margin of 33.51%. This is amongst the best in the industry. TBBK outperforms 88.37% 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) | 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.
Compared to 1 year ago, TBBK has less shares outstanding
TBBK has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TBBK has an improved debt to assets ratio.
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 better Debt to FCF ratio (1.11) than 63.57% 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.
The Debt to Equity ratio of TBBK (0.27) is worse than 65.63% 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
WACC12.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TBBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.58%.
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 very strong growth in Revenue. The Revenue has grown by 37.81%.
The Revenue has been growing by 16.33% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 28.35% on average over the next years. This is a very strong growth
Based on estimates for the next years, TBBK will show a very strong growth in Revenue. The Revenue will grow by 21.79% on average per year.
EPS Next Y35%
EPS Next 2Y30.84%
EPS Next 3Y28.35%
EPS Next 5YN/A
Revenue Next Year1.94%
Revenue Next 2Y37.72%
Revenue Next 3Y21.79%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.03 indicates a rather expensive valuation of TBBK.
Compared to the rest of the industry, the Price/Earnings ratio of TBBK indicates a slightly more expensive valuation: TBBK is more expensive than 77.52% of the companies listed in the same industry.
TBBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.46.
The Price/Forward Earnings ratio is 9.91, which indicates a very decent valuation of TBBK.
TBBK's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of TBBK to the average of the S&P500 Index (36.10), we can say TBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.03 | ||
| Fwd PE | 9.91 |
4.2 Price Multiples
81.65% of the companies in the same industry are more expensive than TBBK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.62 | ||
| 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 28.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)0.54
EPS Next 2Y30.84%
EPS Next 3Y28.35%
5. Dividend
5.1 Amount
TBBK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
65.99
+0.34 (+0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners110.95%
Inst Owner Change-7.55%
Ins Owners4.4%
Ins Owner Change-2.39%
Market Cap2.90B
Revenue(TTM)679.80M
Net Income(TTM)227.83M
Analysts82.22
Price Target75.14 (13.87%)
Short Float %12%
Short Ratio8.54
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)-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)5.74%
PT rev (3m)5.74%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)-0.78%
EPS NY rev (1m)-1.74%
EPS NY rev (3m)-2.01%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.03 | ||
| Fwd PE | 9.91 | ||
| P/S | 4.26 | ||
| P/FCF | 7.62 | ||
| P/OCF | 7.57 | ||
| P/B | 3.72 | ||
| P/tB | 3.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.66
EY5.55%
EPS(NY)6.66
Fwd EY10.09%
FCF(TTM)8.66
FCFY13.12%
OCF(TTM)8.72
OCFY13.21%
SpS15.48
BVpS17.72
TBVpS17.7
PEG (NY)0.52
PEG (5Y)0.54
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
WACC12.66%
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 Y35%
EPS Next 2Y30.84%
EPS Next 3Y28.35%
EPS Next 5YN/A
Revenue 1Y (TTM)37.81%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%0.5%
Revenue Next Year1.94%
Revenue Next 2Y37.72%
Revenue Next 3Y21.79%
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.
Can you provide the valuation status for BANCORP INC/THE?
ChartMill assigns a valuation rating of 5 / 10 to BANCORP INC/THE (TBBK). This can be considered as Fairly Valued.
Can you provide the profitability details for BANCORP INC/THE?
BANCORP INC/THE (TBBK) has a profitability rating of 5 / 10.
What are the PE and PB ratios of BANCORP INC/THE (TBBK) stock?
The Price/Earnings (PE) ratio for BANCORP INC/THE (TBBK) is 18.03 and the Price/Book (PB) ratio is 3.72.
How sustainable is the dividend of BANCORP INC/THE (TBBK) stock?
The dividend rating of BANCORP INC/THE (TBBK) is 0 / 10 and the dividend payout ratio is 0%.