BANCORP INC/THE (TBBK) Stock Fundamental Analysis
USA - NASDAQ:TBBK - US05969A1051 - Common Stock
75.95 USD
-0.71 (-0.93%)
75.95 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to TBBK. TBBK was compared to 392 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 decent growth rate and is not valued too expensively.
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.
Of the past 5 years TBBK 4 years had a positive operating cash flow.
1.2 Ratios
TBBK's Return On Assets of 2.54% is amongst the best of the industry. TBBK outperforms 98.98% of its industry peers.
TBBK has a better Return On Equity (26.09%) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 26.09% | ||
| 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's Profit Margin of 35.56% is amongst the best of the industry. TBBK outperforms 92.86% 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) | 35.56% | ||
| 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.
The debt/assets ratio for TBBK has been reduced compared to a year ago.
2.2 Solvency
TBBK has a debt to FCF ratio of 0.35. This is a very positive value and a sign of high solvency as it would only need 0.35 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.35, TBBK belongs to the top of the industry, outperforming 84.18% of the companies in the same industry.
TBBK has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.02, TBBK belongs to the top of the industry, outperforming 86.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.95%
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 -8.33% in the last year.
Measured over the past years, TBBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 33.14% on average per year.
The Revenue has grown by 30.60% in the past year. This is a very strong growth!
The Revenue has been growing by 16.33% on average over the past years. This is quite good.
EPS 1Y (TTM)-8.33%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%20.95%
Revenue 1Y (TTM)30.6%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%3.94%
3.2 Future
TBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.05% yearly.
The Revenue is expected to grow by 4.45% on average over the next years.
EPS Next Y37.77%
EPS Next 2Y33.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.94%
Revenue Next 2Y4.45%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 21.58, which indicates a rather expensive current valuation of TBBK.
Compared to the rest of the industry, the Price/Earnings ratio of TBBK indicates a rather expensive valuation: TBBK more expensive than 81.89% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TBBK to the average of the S&P500 Index (27.30), we can say TBBK is valued slightly cheaper.
With a Price/Forward Earnings ratio of 11.03, the valuation of TBBK can be described as very reasonable.
TBBK's Price/Forward Earnings ratio is in line with the industry average.
TBBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.58 | ||
| Fwd PE | 11.03 |
4.2 Price Multiples
71.17% 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 | 9.92 | ||
| 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 33.05% in the coming years.
PEG (NY)0.57
PEG (5Y)0.65
EPS Next 2Y33.05%
EPS Next 3YN/A
5. Dividend
5.1 Amount
TBBK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
75.95
-0.71 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners108.05%
Inst Owner Change0.43%
Ins Owners4.52%
Ins Owner Change-1.87%
Market Cap3.50B
Analysts82.22
Price Target71.06 (-6.44%)
Short Float %12.79%
Short Ratio7.51
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)-32.57%
Min EPS beat(2)-62.76%
Max EPS beat(2)-2.37%
EPS beat(4)0
Avg EPS beat(4)-27.65%
Min EPS beat(4)-62.76%
Max EPS beat(4)-2.37%
EPS beat(8)0
Avg EPS beat(8)-16.89%
EPS beat(12)1
Avg EPS beat(12)-11.11%
EPS beat(16)4
Avg EPS beat(16)-7.44%
Revenue beat(2)0
Avg Revenue beat(2)-2.51%
Min Revenue beat(2)-4.87%
Max Revenue beat(2)-0.14%
Revenue beat(4)0
Avg Revenue beat(4)-4.24%
Min Revenue beat(4)-7.47%
Max Revenue beat(4)-0.14%
Revenue beat(8)0
Avg Revenue beat(8)-5.72%
Revenue beat(12)3
Avg Revenue beat(12)3%
Revenue beat(16)7
Avg Revenue beat(16)13.86%
PT rev (1m)2.45%
PT rev (3m)7.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.46%
EPS NY rev (1m)0.14%
EPS NY rev (3m)0.14%
Revenue NQ rev (1m)-2.83%
Revenue NQ rev (3m)-4.29%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.58 | ||
| Fwd PE | 11.03 | ||
| P/S | 5.54 | ||
| P/FCF | 9.92 | ||
| P/OCF | 9.83 | ||
| P/B | 4.07 | ||
| P/tB | 4.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.52
EY4.63%
EPS(NY)6.89
Fwd EY9.07%
FCF(TTM)7.66
FCFY10.08%
OCF(TTM)7.72
OCFY10.17%
SpS13.7
BVpS18.67
TBVpS18.65
PEG (NY)0.57
PEG (5Y)0.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 26.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 35.56% | ||
| GM | N/A | ||
| FCFM | 55.91% |
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-Score8
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.35 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 71.35% | ||
| Cap/Sales | 0.48% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 157.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.95%
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)-8.33%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%20.95%
EPS Next Y37.77%
EPS Next 2Y33.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)30.6%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%3.94%
Revenue Next Year1.94%
Revenue Next 2Y4.45%
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 1Y150.05%
FCF growth 3Y39.68%
FCF growth 5YN/A
OCF growth 1Y131.65%
OCF growth 3Y39.86%
OCF growth 5YN/A