57.325 USD
-2.05 (-3.46%)
Last: Feb 11, 2026, 11:06 AM
Taking everything into account, TBBK scores 5 out of 10 in our fundamental rating. TBBK was compared to 381 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 evaluated to be cheap and growing strongly. This does not happen too often!
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.
- TBBK had positive earnings in each of the past 5 years.
- TBBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- TBBK has a better Return On Assets (2.65%) than 99.74% of its industry peers.
- The Return On Equity of TBBK (29.28%) is better than 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 86.88% 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 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
- TBBK has a worse debt/assets ratio than last year.
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.
- With a decent Debt to FCF ratio value of 1.11, TBBK is doing good in the industry, outperforming 63.25% of the companies in the same industry.
- TBBK has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.27, TBBK is not doing good in the industry: 64.30% of the companies in the same industry are doing better.
- 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
WACC13.15%
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!
- TBBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 20.29% yearly.
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
- Based on estimates for the next years, TBBK will show a very strong growth in Earnings Per Share. The EPS will grow by 39.66% on average per year.
- 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
- The EPS growth rate is accelerating: in the next years the growth will be better 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 stable.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 13.65, TBBK is valued correctly.
- TBBK's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 28.03, TBBK is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 8.74, the valuation of TBBK can be described as reasonable.
- Based on the Price/Forward Earnings ratio, TBBK is valued cheaply inside the industry as 82.68% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.97, TBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.65 | ||
| Fwd PE | 8.74 |
4.2 Price Multiples
- 88.45% 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 | 6.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The 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 39.66% in the coming years.
PEG (NY)0.24
PEG (5Y)0.55
EPS Next 2Y39.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- TBBK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:TBBK (2/11/2026, 11:06:18 AM)
57.325
-2.05 (-3.46%)
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 Cap2.52B
Revenue(TTM)703.84M
Net Income(TTM)227.83M
Analysts82.22
Price Target78.03 (36.12%)
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 | 13.65 | ||
| Fwd PE | 8.74 | ||
| P/S | 3.7 | ||
| P/FCF | 6.62 | ||
| P/OCF | 6.58 | ||
| P/B | 3.24 | ||
| P/tB | 3.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.2
EY7.33%
EPS(NY)6.56
Fwd EY11.44%
FCF(TTM)8.66
FCFY15.11%
OCF(TTM)8.72
OCFY15.2%
SpS15.48
BVpS17.72
TBVpS17.7
PEG (NY)0.24
PEG (5Y)0.55
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
WACC13.15%
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 6 / 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 56.12% in the next year.