Bancorp (TBBK) AI Stock Analysis

• Market Cap: $3.63B
• Dividend Yield: N/A
• Average Volume (3M): 588.16K
• Price to Earnings (P/E): 16.9
• Beta (1Y): 1.13
• Revenue Growth: 25.43%
• EPS Growth: 21.96%
• Country: US
• Employees: 771
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.27
• Shares Outstanding: 46,065,384
• 10 Day Avg. Volume: 585,949
• 30 Day Avg. Volume: 588,161
• PEG Ratio: 0.52
• Price to Book (P/B): 3.34
• Price to Sales (P/S): 3.71
• P/FCF Ratio: 11.83
• Enterprise Value/Market Cap: 0.77
• Enterprise Value/Revenue: 3.43
• Enterprise Value/Gross Profit: 5.43
• Enterprise Value/Ebitda: 9.20
• 1Y Price Target: $70.50
• Price Target Upside: -10.53% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 75 Outperform
• Price Target: $81.00 ▲(2.79% Upside)

Bancorp's strong financial performance and promising fintech growth prospects are significant strengths. However, technical indicators suggest neutral momentum, and valuation metrics indicate the stock is fairly priced. Risks from increased expenses and challenges in the REBL portfolio slightly offset the positives.

Bancorp Business Overview & Revenue Model

Company Description

Bancorp (TBBK) is a financial services holding company based in the United States, primarily engaged in providing banking products and services through its wholly-owned subsidiaries. The company operates in the banking sector, focusing on providing commercial banking, mortgage lending, and consumer banking services. Bancorp offers a range of products including checking and savings accounts, loans, mortgages, and payment processing solutions, catering to both individual and business clients.

How the Company Makes Money

Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from fees for services provided. The major revenue streams include interest earned on commercial and consumer loans, which is a significant part of their earnings, and interest from securities and other investments. Additionally, Bancorp earns fees from various banking services such as account maintenance, transaction processing, and ATM services. The company may also benefit from partnerships with other financial institutions or fintech companies, which can enhance its service offerings and expand its customer base, contributing to overall revenue growth.

Bancorp Financial Statement Overview

Summary

Bancorp demonstrates strong financial health with robust profitability, efficient operations, and prudent leverage management. While there are slight declines in some margins, the company maintains a solid growth trajectory and effective cash flow management.

Income Statement

Bancorp's income statement shows strong profitability with a consistent net profit margin above 27% and a healthy revenue growth rate of 7.78% in the TTM period. The gross profit margin remains robust, although it has slightly decreased over the years. EBIT and EBITDA margins are solid, indicating efficient operations. However, the slight decline in margins over time suggests potential cost pressures.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.14, indicating prudent leverage management. Return on equity is strong at 27.24%, showcasing effective use of equity to generate profits. The equity ratio is not directly provided, but the overall asset base appears well-capitalized. The slight increase in debt over time warrants monitoring.

Cash Flow

Cash flow analysis reveals a significant improvement in free cash flow growth at 24.98% in the TTM period, indicating strong cash generation capabilities. The operating cash flow to net income ratio is modest, suggesting room for improvement in cash conversion. The free cash flow to net income ratio is nearly 1, reflecting efficient cash utilization.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	815.78M	710.11M	611.60M	413.98M	326.86M	295.40M
Gross Profit	515.89M	495.38M	447.82M	347.42M	315.63M	273.13M
EBITDA	304.51M	296.31M	259.85M	181.21M	147.47M	112.04M
Net Income	224.42M	217.54M	192.30M	130.21M	110.65M	80.08M
Balance Sheet
Total Assets	8.84B	8.73B	7.71B	7.90B	6.84B	6.28B
Cash, Cash Equivalents and Short-Term Investments	1.82B	620.77M	1.79B	1.65B	1.56B	1.55B
Total Debt	123.69M	123.70M	147.82M	122.48M	151.60M	151.99M
Total Liabilities	7.98B	7.94B	6.90B	7.21B	6.19B	5.70B
Stockholders Equity	860.27M	789.78M	807.28M	694.03M	652.45M	581.16M
Cash Flow
Free Cash Flow	350.13M	222.68M	174.03M	114.48M	82.34M	116.95M
Operating Cash Flow	355.82M	227.65M	186.72M	119.61M	83.89M	120.69M
Investing Cash Flow	-854.87M	-1.51B	415.55M	-826.73M	-305.90M	-1.23B
Financing Cash Flow	433.73M	812.74M	-452.37M	993.52M	478.28M	509.02M

Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 78.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 78.8 is above the 20-day moving average (MA) of 75.74, above the 50-day MA of 75.40, and above the 200-day MA of 60.52, indicating a bullish trend. The MACD of 0.41 indicates Negative momentum. The RSI at 57.16 is Neutral, neither overbought nor oversold. The STOCH value of 63.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TBBK.

Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TBBK	―	$3.63B	16.94	27.41%	―	25.43%	21.96%
FBP	―	$3.27B	9.88	18.43%	3.41%	2.35%	13.72%
INDB	―	$3.45B	16.86	5.51%	3.43%	11.09%	-10.78%
RNST	―	$3.31B	13.77	5.21%	2.52%	21.87%	-3.27%
FULT	―	$3.28B	9.45	10.92%	4.01%	9.58%	20.38%
FIBK	―	$3.32B	14.24	6.91%	5.84%	-2.11%	-8.95%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Bancorp Corporate Events

Bancorp Completes $200 Million Senior Note Offering

On August 18, 2025, The Bancorp, Inc. announced the completion of a $200 million senior note offering with a 7.375% interest rate due in 2030. The proceeds will be used to redeem existing notes, fund a share repurchase program, and support general corporate purposes, including growth capital for its subsidiary, The Bancorp Bank, N.A. This strategic financial move is expected to strengthen the company’s financial position and support its growth initiatives.

The most recent analyst rating on (TBBK) stock is a Buy with a $60.00 price target. To see the full list of analyst forecasts on Bancorp stock, see the TBBK Stock Forecast page.

Bancorp Credit Ratings Upgraded by Kroll Bond Agency

On August 4, 2025, The Bancorp, Inc. announced that Kroll Bond Rating Agency, LLC upgraded its long- and short-term credit ratings, reflecting the company’s strong position in the banking as a service industry. The upgrades, which include improvements in senior unsecured and subordinated debt ratings, underscore The Bancorp’s robust non-interest income growth and above-peer capital levels, enhancing its market positioning and stability outlook.

The most recent analyst rating on (TBBK) stock is a Buy with a $60.00 price target. To see the full list of analyst forecasts on Bancorp stock, see the TBBK Stock Forecast page.

Bancorp Inc. Reports Strong Q2 Earnings Amid Fintech Growth

The recent earnings call for Bancorp Inc. painted a picture of robust financial health and strategic growth, particularly in the fintech sector. The company reported significant earnings growth and announced an expanded share repurchase program, signaling confidence in its financial trajectory. However, challenges in the Real Estate Bridge Lending (REBL) portfolio and ongoing litigation over an earnest money deposit were noted as areas of concern.

The Bancorp, Inc. Reports Strong Q2 2025 Earnings

The Bancorp, Inc., headquartered in Wilmington, Delaware, is a financial holding company that provides a range of services through its subsidiary, The Bancorp Bank, National Association, including fintech solutions, institutional banking, commercial lending, and real estate bridge lending, catering to a diverse clientele from startups to Fortune 500 companies.

Bancorp Reports Strong Q2 2025 Financial Performance

The Bancorp, Inc. reported a strong financial performance for the second quarter of 2025, with a net income of $59.8 million, marking an 11% increase from the previous year. The company saw significant growth in consumer fintech loans, which surged by 871% year-over-year, and an 18% increase in gross dollar volume from card services. The Bancorp’s strategic initiatives, such as share repurchases and expansion of services with Block, Inc., are expected to drive future growth and enhance shareholder value. The company maintains a robust capital position, with key financial ratios well above regulatory requirements.

The most recent analyst rating on (TBBK) stock is a Buy with a $55.00 price target. To see the full list of analyst forecasts on Bancorp stock, see the TBBK Stock Forecast page.