62.02 USD
+3.48 (+5.94%)
At close: Feb 6, 2026
62.02 USD
0 (0%)
After Hours: 2/6/2026, 8:07:50 PM
We assign a fundamental rating of 5 out of 10 to TBBK. TBBK was compared to 381 industry peers in the Banks industry. TBBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
- TBBK had a positive operating cash flow in the past year.
- In the past 5 years TBBK has always been profitable.
- Of the past 5 years TBBK 4 years had a positive operating cash flow.
1.2 Ratios
- TBBK has a better Return On Assets (2.65%) than 99.74% of its industry peers.
- TBBK's Return On Equity of 29.28% is amongst the best of 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)2.48%
ROA(5y)2.14%
ROE(3y)28.15%
ROE(5y)24.04%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- TBBK's Profit Margin of 33.51% is amongst the best of the industry. TBBK outperforms 86.98% 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) | 33.51% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.07%
PM growth 5Y2.5%
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
- Compared to 5 years ago, TBBK has less shares outstanding
- Compared to 1 year ago, TBBK has a worse 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 Debt to FCF ratio of 1.11. This is in the better half of the industry: TBBK outperforms 63.28% of its industry peers.
- A Debt/Equity ratio of 0.27 indicates that TBBK is not too dependend on debt financing.
- TBBK's Debt to Equity ratio of 0.27 is on the low side compared to the rest of the industry. TBBK is outperformed by 64.32% 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
WACC12.98%
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 been growing slightly by 7.97% over the past year.
- The Earnings Per Share has been growing by 24.93% on average over the past years. This is a very strong growth
- The Revenue has grown by 34.65% in the past year. This is a very strong growth!
- Measured over the past years, TBBK shows a very strong growth in Revenue. The Revenue has been growing by 20.29% on average per year.
EPS 1Y (TTM)7.97%
EPS 3Y22.23%
EPS 5Y24.93%
EPS Q2Q%72.97%
Revenue 1Y (TTM)34.65%
Revenue growth 3Y25.69%
Revenue growth 5Y20.29%
Sales Q2Q%-2.35%
3.2 Future
- TBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.66% yearly.
- Based on estimates for the next years, TBBK will show a quite strong growth in Revenue. The Revenue will grow by 16.27% on average per year.
EPS Next Y56.12%
EPS Next 2Y39.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.81%
Revenue Next 2Y16.27%
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 accelerating.
- 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
- Based on the Price/Earnings ratio of 14.77, the valuation of TBBK can be described as correct.
- Based on the Price/Earnings ratio, TBBK is valued a bit more expensive than the industry average as 63.54% of the companies are valued more cheaply.
- TBBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.93, which is the current average of the S&P500 Index.
- TBBK is valuated reasonably with a Price/Forward Earnings ratio of 9.46.
- TBBK's Price/Forward Earnings ratio is rather cheap when compared to the industry. TBBK is cheaper than 80.73% of the companies in the same industry.
- TBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.77.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.77 | ||
| Fwd PE | 9.46 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, TBBK is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.16 | ||
| 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 39.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)0.59
EPS Next 2Y39.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for TBBK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
62.02
+3.48 (+5.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-22 2026-04-22
Inst Owners110.3%
Inst Owner Change-0.59%
Ins Owners4.62%
Ins Owner Change-0.68%
Market Cap2.72B
Revenue(TTM)703.84M
Net Income(TTM)227.83M
Analysts82.22
Price Target78.03 (25.81%)
Short Float %10.27%
Short Ratio7.02
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)3.85%
PT rev (3m)3.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.1%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.66%
Revenue NY rev (1m)12.52%
Revenue NY rev (3m)12.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.77 | ||
| Fwd PE | 9.46 | ||
| P/S | 4.01 | ||
| P/FCF | 7.16 | ||
| P/OCF | 7.12 | ||
| P/B | 3.5 | ||
| P/tB | 3.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.2
EY6.77%
EPS(NY)6.56
Fwd EY10.57%
FCF(TTM)8.66
FCFY13.96%
OCF(TTM)8.72
OCFY14.05%
SpS15.48
BVpS17.72
TBVpS17.7
PEG (NY)0.26
PEG (5Y)0.59
Graham Number40.92
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)2.48%
ROA(5y)2.14%
ROE(3y)28.15%
ROE(5y)24.04%
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 3Y-4.07%
PM growth 5Y2.5%
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
WACC12.98%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.97%
EPS 3Y22.23%
EPS 5Y24.93%
EPS Q2Q%72.97%
EPS Next Y56.12%
EPS Next 2Y39.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)34.65%
Revenue growth 3Y25.69%
Revenue growth 5Y20.29%
Sales Q2Q%-2.35%
Revenue Next Year20.81%
Revenue Next 2Y16.27%
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 1Y90.14%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y87.05%
OCF growth 3YN/A
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 7 / 10 to BANCORP INC/THE (TBBK). This can be considered as Undervalued.
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 56.12% in the next year.