BANCORP INC/THE (TBBK)
US05969A1051 - Common Stock
We assign a fundamental rating of 5 out of 10 to TBBK. TBBK was compared to 412 industry peers in the Banks industry. While TBBK is still in line with the averages on profitability rating, there are concerns on its financial health. TBBK is not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
Each year in the past 5 years TBBK has been profitable.
In multiple years TBBK reported negative operating cash flow during the last 5 years.
1.2 Ratios
TBBK has a better Return On Assets (2.49%) than 97.09% of its industry peers.
TBBK has a better Return On Equity (23.81%) than 99.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 23.81% | ||
| ROIC | N/A |
ROA(3y)1.92%
ROA(5y)1.59%
ROE(3y)19.85%
ROE(5y)16.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
TBBK has a better Profit Margin (41.24%) than 96.12% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 41.24% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.91%
PM growth 5Y5.01%
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.
The debt/assets ratio for TBBK is higher compared to a year ago.
2.2 Solvency
TBBK has a debt to FCF ratio of 0.85. This is a very positive value and a sign of high solvency as it would only need 0.85 years to pay back of all of its debts.
TBBK has a better Debt to FCF ratio (0.85) than 79.13% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that TBBK is not too dependend on debt financing.
The Debt to Equity ratio of TBBK (0.17) is better than 62.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 52.17% over the past year.
The Earnings Per Share has been growing by 36.08% on average over the past years. This is a very strong growth
TBBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 32.73%.
TBBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.16% yearly.
EPS 1Y (TTM)52.17%
EPS 3Y36.37%
EPS 5Y36.08%
EPS growth Q2Q14.08%
Revenue 1Y (TTM)32.73%
Revenue growth 3Y18.59%
Revenue growth 5Y11.16%
Revenue growth Q2Q16.24%
3.2 Future
TBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.73% yearly.
TBBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.81% yearly.
EPS Next Y27.15%
EPS Next 2Y20.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.77%
Revenue Next 2Y11.81%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
TBBK is valuated reasonably with a Price/Earnings ratio of 9.48.
The rest of the industry has a similar Price/Earnings ratio as TBBK.
TBBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.80.
With a Price/Forward Earnings ratio of 7.46, 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 84.71% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TBBK to the average of the S&P500 Index (21.27), we can say TBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.48 | ||
| Fwd PE | 7.46 |
4.2 Price Multiples
TBBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.06 | ||
| 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.
A more expensive valuation may be justified as TBBK's earnings are expected to grow with 20.73% in the coming years.
PEG (NY)0.35
PEG (5Y)0.26
EPS Next 2Y20.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for TBBK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BANCORP INC/THE
NASDAQ:TBBK (4/18/2024, 7:22:40 PM)
After market: 33.19 0 (0%)33.19
+0.35 (+1.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.75B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.48 | ||
| Fwd PE | 7.46 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.35
PEG (5Y)0.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.49% | ||
| ROE | 23.81% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 41.24% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)52.17%
EPS 3Y36.37%
EPS 5Y
EPS growth Q2Q
EPS Next Y27.15%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)32.73%
Revenue growth 3Y18.59%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y