Bancorp (TBBK) AI Stock Analysis

• Market Cap: $2.97B
• Dividend Yield: N/A
• Average Volume (3M): 529.72K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 1.10
• Revenue Growth: 29.24%
• EPS Growth: 21.49%
• Country: US
• Employees: 771
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.18
• Shares Outstanding: 43,917,625
• 10 Day Avg. Volume: 463,982
• 30 Day Avg. Volume: 529,721
• 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: 1.31
• Enterprise Value/Revenue: 4.53
• Enterprise Value/Gross Profit: 7.45
• Enterprise Value/Ebitda: 12.61
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 5.24
• Revenue Forecast (FY): $629.80M

• Rating: 69 Neutral
• Price Target: $73.00 ▲(13.76% Upside)

The overall score reflects strong financial performance and reasonable valuation, tempered by technical indicators suggesting potential bearish momentum. The earnings call provided mixed signals, with fintech growth offset by lowered guidance and increased loan provisions.

Positive Factors

Fintech Growth

The strong growth in fintech demonstrates Bancorp's ability to capitalize on digital banking trends, enhancing its competitive position and revenue diversification.

Cash Flow Generation

Robust cash flow generation indicates efficient operations and financial health, providing flexibility for investments and debt management.

Reduction in Criticized Assets

Reducing criticized assets strengthens the balance sheet and lowers risk, improving long-term financial stability and investor confidence.

Negative Factors

Lowered EPS Guidance

Lowered EPS guidance reflects challenges in traditional lending and credit provisions, potentially impacting future profitability and growth expectations.

Revenue Growth Decline

A sharp decline in revenue growth suggests potential issues in market demand or competitive pressures, affecting long-term revenue sustainability.

Past Due Loans Increase

An increase in past due loans indicates rising credit risk, which could lead to higher provisions and impact financial stability if not managed effectively.

Bancorp Business Overview & Revenue Model

Company Description

Bancorp (TBBK) is a financial services company that primarily operates in the banking sector. It focuses on providing a wide range of banking products and services, including commercial and consumer loans, deposit accounts, and treasury management services. Bancorp serves various customer segments, including individuals, small businesses, and larger enterprises, through its network of branches and digital banking platforms.

How the Company Makes Money

Bancorp generates revenue primarily through interest income from loans and other financial products. The company earns interest on loans issued to customers, which often includes commercial real estate loans, residential mortgages, and personal loans. Additionally, Bancorp collects fees from various banking services, such as account maintenance fees, transaction fees, and service charges. The company may also earn income through investment securities and treasury management services. Strategic partnerships with other financial institutions and technology providers may enhance Bancorp's service offerings and contribute to its revenue streams, while effective risk management practices help maintain profitability across its lending operations.

Bancorp Financial Statement Overview

Summary

Bancorp exhibits strong profitability and cash flow generation, with a high net profit margin and robust cash flow ratios. However, the sharp decline in revenue growth and increasing debt levels pose potential risks.

Income Statement

The income statement shows a mixed performance. The TTM data indicates a significant decline in revenue growth rate (-45.88%), which is concerning. However, the company maintains strong profitability with a high net profit margin of 51.60% and EBIT margin of 52.38%. The gross profit margin has decreased over time, indicating potential cost pressures or pricing challenges.

Balance Sheet

The balance sheet reflects a stable financial position with a manageable debt-to-equity ratio of 0.54 in the TTM period. The return on equity is strong at 27.97%, indicating effective use of equity. The equity ratio is healthy, suggesting a solid capital structure, although the increase in total debt warrants monitoring.

Cash Flow

Cash flow analysis reveals positive trends with a free cash flow growth rate of 9.16% in the TTM period. The operating cash flow to net income ratio is robust at 1.78, indicating strong cash generation relative to net income. The free cash flow to net income ratio is also high at 0.98, suggesting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	860.88M	710.11M	611.60M	413.98M	326.86M	295.40M
Gross Profit	523.16M	495.38M	447.82M	347.42M	312.51M	273.13M
EBITDA	308.94M	296.31M	259.85M	181.21M	147.47M	112.04M
Net Income	227.83M	217.54M	192.30M	130.21M	110.65M	80.08M
Balance Sheet
Total Assets	8.60B	8.73B	7.71B	7.90B	6.84B	6.28B
Cash, Cash Equivalents and Short-Term Investments	98.65M	620.77M	1.79B	1.65B	1.56B	1.55B
Total Debt	223.26M	123.70M	147.82M	122.48M	151.60M	151.99M
Total Liabilities	7.82B	7.94B	6.90B	7.21B	6.19B	5.70B
Stockholders Equity	778.16M	789.78M	807.28M	694.03M	652.45M	581.16M
Cash Flow
Free Cash Flow	382.21M	222.68M	174.03M	114.48M	82.34M	116.95M
Operating Cash Flow	382.82M	227.65M	186.72M	119.61M	83.89M	120.69M
Investing Cash Flow	-648.19M	-1.51B	415.55M	-826.73M	-305.90M	-1.23B
Financing Cash Flow	294.29M	812.74M	-452.37M	993.52M	478.28M	509.02M

Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 64.17
• 50DMA: Negative
• 100DMA: Negative
• 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 64.17 is below the 20-day moving average (MA) of 65.02, below the 50-day MA of 68.44, and above the 200-day MA of 61.89, indicating a neutral trend. The MACD of 0.51 indicates Negative momentum. The RSI at 53.99 is Neutral, neither overbought nor oversold. The STOCH value of 56.37 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
INDB	80 Outperform	$3.82B	18.79	5.51%	3.05%	11.05%	-10.78%
FULT	77 Outperform	$3.60B	10.42	10.92%	3.62%	9.60%	20.38%
FBP	76 Outperform	$3.37B	10.38	18.43%	3.37%	2.35%	13.72%
FIBK	76 Outperform	$3.66B	14.99	7.20%	5.27%	-5.43%	4.19%
RNST	72 Outperform	$3.52B	18.66	4.54%	2.36%	20.26%	-35.00%
TBBK	69 Neutral	$2.97B	14.11	28.59%	―	29.24%	21.49%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Bancorp Corporate Events

Bancorp Appoints Dominic Canuso as New CFO

On November 3, 2025, The Bancorp, Inc. announced the appointment of Dominic C. Canuso as Chief Financial Officer. With over 25 years of experience in banking and financial services, Canuso will oversee the company’s financial strategy and operations, contributing to The Bancorp’s growth and strategic initiatives. His previous roles include CFO positions at Capital Bank and WSFS Bank. The appointment marks a significant step in The Bancorp’s focus on growth, innovation, and operational excellence.

Bancorp Lowers 2025 Earnings Guidance Amid Challenges

The Bancorp, Inc. reported its financial results for the third quarter of 2025, showing a net income of $54.9 million, a 7% increase from the previous year, and an EPS increase of 13% due to share repurchases. The company experienced growth in gross dollar volume and consumer fintech loans, while reducing criticized real estate bridge loans. Despite these gains, The Bancorp lowered its earnings guidance for 2025 due to lower projected balances in traditional lending and increased credit provisions, but remains optimistic about future earnings growth through Fintech initiatives and share buybacks.