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Bancorp
(NASDAQ:TBBK)
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Rating:79Outperform
Price Target:
$81.00
▲(20.93% Upside)
Action:Reiterated
Date:08/07/26
The score is driven primarily by strong underlying profitability and cash-generation quality, reinforced by upbeat earnings-call guidance (raised 2026 outlook and strong 2027 targets). Technicals also support the rating with a clear uptrend and positive momentum. The main constraints are balance-sheet risk from the sharp TTM leverage increase and the recent slowdown/declines in revenue growth; valuation is reasonable but lacks dividend support due to missing yield data.
Positive Factors
High ROE and profitability
Sustained ROE near 35% signals durable earnings power and efficient capital use versus peers. High margins provide a structural buffer to absorb funding or credit shocks, support reinvestment and shareholder returns, and enable accelerated capital-return policies without immediate strain.
Negative Factors
Recent leverage spike
A rapid increase in leverage materially reduces financial flexibility and raises sensitivity to rate or liquidity shocks. If credit conditions tighten, higher debt amplifies funding costs and constrains the bank's ability to pursue opportunistic lending or maintain aggressive buybacks without raising capital.
Read all positive and negative factors
Positive Factors
Negative Factors
High ROE and profitability
Sustained ROE near 35% signals durable earnings power and efficient capital use versus peers. High margins provide a structural buffer to absorb funding or credit shocks, support reinvestment and shareholder returns, and enable accelerated capital-return policies without immediate strain.
Read all positive factors
Bancorp (TBBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.84B
Dividend YieldN/A
Average Volume (3M)432.93K
Price to Earnings (P/E)12.7
Beta (1Y)1.25
Revenue Growth2.65%
EPS Growth13.98%
CountryUS
Employees733
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.39
Shares Outstanding40,786,808
10 Day Avg. Volume393,061
30 Day Avg. Volume432,929
Financial Highlights & Ratios
PEG Ratio0.92
Price to Book (P/B)4.48
Price to Sales (P/S)4.48
P/FCF Ratio11.98
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$84.33Price Target Upside25.91% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)5.91
Revenue Forecast (FY)$678.76M
Bancorp Business Overview & Revenue Model
Company Description
The Bancorp, Inc. operates as the parent financial company for The Bancorp Bank, providing a comprehensive range of banking products and services across the United States. Its diverse offerings include various deposit accounts, such as checking, s...
How the Company Makes Money
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Bancorp Earnings Call Summary
Earnings Call Date:Jul 30, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 22, 2026
Earnings Call Sentiment Positive
The call conveyed strong operational and financial momentum: double-digit EPS growth, very high ROE, robust fintech GDV and fee growth, raised FY26 guidance and tight 2027 preliminary targets, plus continued capital returns and AI-driven efficiency gains. The challenges cited were mostly timing, seasonality and liquidity management items (billing/payment timing change, quarter-to-quarter sweep variability, transient short-term borrowings, and expected NIM mix pressure). These negatives appear manageable and largely explained by seasonality, strategic funding choices, or short-term timing of fintech program ramps.Positive Updates
Earnings and Profitability
EPS of $1.45 in Q2 2026, up 14.2% year-over-year; ROE of 34.7% (roughly three times the banking industry average) with management expecting sizable increases over the next 3 years.
Negative Updates
Period-End Loan Volatility from Billing Timing Change
Ending loans declined sequentially due to a one-time change in payment/billing timing with a lending partner (accelerated payment due date by 1 day). Management says economics and customer performance were unaffected, but period-end balances were reduced.
Read all updates
Q2-2026 Updates
Positive
Negative
Earnings and Profitability
EPS of $1.45 in Q2 2026, up 14.2% year-over-year; ROE of 34.7% (roughly three times the banking industry average) with management expecting sizable increases over the next 3 years.
Read all positive updates
Company Guidance
Management raised 2026 EPS guidance to $5.95–$6.05 (targeting Q4 ’26 of $1.65–$1.75) and reiterated preliminary 2027 EPS of $8.10–$8.30; 2026 buybacks are forecast at $200M ($50M/quarter) and future repurchases are expected to be near 100% of annual net income, driving estimated annual EPS accretion of ~5–10% (before net income growth) and a faster buyback cadence (company returned 100% of equity in 4.5 years, expects ~3 years over the next 3 years and ~2 years thereafter).
Those targets are supported by Q2 results: EPS $1.45 (+14.2% YoY), ROE 34.7%, NIM 3.85%, average loans $7.63B (+5% sequential, +16% YoY), average fintech loans $1.39B (18% of loans vs 15% in Q1 and 8% in Q2 ’25), fintech GDV +22.5% YoY, fintech revenue +21% YoY, fintech fees adding 28 bps to NIM (24 bps in prior quarter, 18 bps in Q2 ’25), noninterest income ex-credit enhancement $47.3M (34.3% of revenue; fintech fees 29.7%), noninterest expense $56.5M (efficiency ratio 41%), and $1.1B of off‑balance-sheet sweeps (down 16% Q1, up 32% vs YE ’25).Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
81
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 757.15M | 690.46M | 710.11M | 611.60M | 413.98M | 326.86M |
| Gross Profit | 533.13M | 512.77M | 495.38M | 447.82M | 347.42M | 312.51M |
| EBITDA | 311.47M | 307.69M | 296.31M | 259.85M | 181.21M | 147.47M |
| Net Income | 231.94M | 228.21M | 217.54M | 192.30M | 130.21M | 110.65M |
Balance Sheet | ||||||
| Total Assets | 9.22B | 9.35B | 8.73B | 7.71B | 7.90B | 6.84B |
| Cash, Cash Equivalents and Short-Term Investments | 1.62B | 132.52M | 620.77M | 1.79B | 1.65B | 1.56B |
| Total Debt | 958.26M | 223.37M | 123.70M | 147.82M | 122.48M | 151.60M |
| Total Liabilities | 8.51B | 8.66B | 7.94B | 6.90B | 7.21B | 6.19B |
| Stockholders Equity | 705.38M | 689.80M | 789.78M | 807.28M | 694.03M | 652.45M |
Cash Flow | ||||||
| Free Cash Flow | 163.62M | 257.92M | 222.68M | 174.03M | 114.48M | 82.34M |
| Operating Cash Flow | 166.70M | 265.01M | 227.65M | 186.72M | 119.61M | 83.89M |
| Investing Cash Flow | -579.16M | -1.06B | -1.51B | 415.55M | -826.73M | -305.90M |
| Financing Cash Flow | 152.28M | 341.70M | 812.74M | -452.37M | 993.52M | 478.28M |
Bancorp Technical Analysis
Positive
66.98
Price Trends
63.98
Positive
60.32
Positive
61.73
Positive
Market Momentum
1.49
Positive
57.78
Neutral
34.88
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TBBK, the sentiment is Positive. The current price of 66.98 is below the 20-day moving average (MA) of 68.55, above the 50-day MA of 63.98, and above the 200-day MA of 61.73, indicating a bullish trend. The MACD of 1.49 indicates Positive momentum. The RSI at 57.78 is Neutral, neither overbought nor oversold. The STOCH value of 34.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TBBK.
Bancorp Risk Analysis
Bancorp disclosed 1 risk factors in its most recent earnings report. Bancorp reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $4.53B | 12.36 | 19.03% | 2.64% | 2.45% | 26.38% | |
79 Outperform | $2.84B | 12.67 | 32.32% | ― | 2.65% | 13.98% | |
75 Outperform | $4.06B | 15.53 | 7.66% | 2.89% | 34.13% | 25.12% | |
73 Outperform | $4.70B | 11.71 | 11.15% | 3.05% | 0.30% | 22.36% | |
73 Outperform | $3.98B | 12.83 | 8.13% | 2.12% | 27.48% | 31.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $3.73B | 11.97 | 9.55% | 4.93% | -5.41% | 45.98% |
* Financial Sector Average
TBBK
Bancorp
68.27
2.82
4.31%
FBP
First Bancorp Puerto Rico
29.54
8.96
43.54%
FIBK
First Interstate Bancsystem
38.89
10.10
35.06%
FULT
Fulton Financial
24.47
6.56
36.63%
INDB
Independent Bank
86.04
21.30
32.91%
RNST
Renasant
43.11
6.61
18.12%
Bancorp Corporate Events
Business Operations and StrategyFinancial Disclosures
KBRA Affirms The Bancorp Credit Ratings with Stable Outlook
Positive
Aug 3, 2026
On August 3, 2026, The Bancorp, Inc. reported that Kroll Bond Rating Agency affirmed all long- and short-term credit ratings for both the holding company and The Bancorp Bank, N.A., with a stable outlook on long-term ratings. The affirmed grades i...
Business Operations and StrategyStock BuybackFinancial Disclosures
Bancorp boosts Q2 earnings on strong fintech growth
Positive
Jul 30, 2026
The Bancorp reported second-quarter 2026 net income of $60.7 million and diluted EPS of $1.45, up 14.2% from a year earlier, with return on equity rising to 34.7% despite a lower net interest margin. Results were driven by strong loan growth, part...
Executive/Board ChangesShareholder Meetings
Bancorp Shareholders Reelect Board and Approve Executive Pay
Positive
Jun 1, 2026
At The Bancorp, Inc.’s annual meeting of stockholders held on May 27, 2026, shareholders voted to elect all ten director nominees to one-year terms ending at the 2027 annual meeting, confirming continuity in the company’s board leaders...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.