Bancorp (TBBK) AI Stock Analysis

• Market Cap: $2.93B
• Dividend Yield: N/A
• Average Volume (3M): 818.78K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 1.20
• Revenue Growth: 18.40%
• EPS Growth: 21.96%
• Country: US
• Employees: 771
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 1.27
• Shares Outstanding: 46,709,747
• 10 Day Avg. Volume: 996,485
• 30 Day Avg. Volume: 818,782
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.96
• Enterprise Value/Revenue: 3.70
• Enterprise Value/Gross Profit: 5.57
• Enterprise Value/Ebitda: 9.43
• 1Y Price Target: $63.33
• Price Target Upside: 1.25% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 76 Outperform
• Price Target: $73.00 ▲(16.71% Upside)

Bancorp's strong financial performance and strategic initiatives, such as fintech growth and partnerships, are key strengths. The stock's valuation is reasonable, and technical indicators suggest moderate bullish momentum. Despite some challenges, the overall outlook remains positive.

Bancorp Business Overview & Revenue Model

Company Description

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking, savings, money market, and commercial accounts; and prepaid and debit cards. It also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; institutional banking services; vehicle fleet, other equipment leasing, and commercial fleet leasing services consist of commercial vehicles, including trucks and special purpose vehicles, and equipment; and real estate bridge lending, as well as small business administration, commercial mortgage-backed, and commercial real estate loans. The company offers private label banking; credit and debit card payment processing services for independent service organizations; and internet banking services. The Bancorp, Inc. was incorporated in 1999 and is headquartered in Wilmington, Delaware.

How the Company Makes Money

The Bancorp, Inc. generates revenue through several key streams. A significant portion of its income comes from fees and interest earned on prepaid and debit card services, where it serves as a major issuer of private-label banking products. The company also makes money through interest and fees from commercial lending services, which include small business loans, leasing, and other credit products. Additionally, The Bancorp earns revenue from deposit account services and partnerships with fintech companies, leveraging its banking platform to facilitate innovative financial solutions. These partnerships often involve shared revenue arrangements, enhancing its earnings potential. Overall, The Bancorp's diverse financial services portfolio and strategic partnerships contribute significantly to its revenue model.

Bancorp Financial Statement Overview

Summary

Bancorp's financial performance is robust, with high profitability and growth. The income statement reflects strong revenue growth and profitability with efficient cost management. The balance sheet shows low leverage and strong ROE, while the cash flow statement indicates solid operational cash generation and free cash flow growth.

Income Statement

Bancorp has demonstrated strong growth in its income statement metrics. The TTM (Trailing-Twelve-Months) shows a Gross Profit Margin of 66.36% and a Net Profit Margin of 28.84%, both indicating strong profitability. Revenue growth has been robust, with a significant increase from 2022 to 2023 at 47.7% and a steady growth into 2024. EBIT and EBITDA margins in the TTM are 16.89% and 20.14%, respectively, reflecting efficient cost management. Overall, Bancorp's income statement reflects strong growth and profitability, positioning it well within its industry.

Balance Sheet

Bancorp maintains a solid balance sheet with a reasonable Debt-to-Equity Ratio of 0.15 in the TTM (Trailing-Twelve-Months), indicating low leverage and financial stability. The Equity Ratio at 8.84% is moderate, suggesting a balanced approach to financing. The Return on Equity (ROE) is strong at 26.3% in the TTM, indicating effective use of equity to generate profits. Overall, the balance sheet shows strong financial health with low leverage, although the equity ratio could be higher for added stability.

Cash Flow

The cash flow statement indicates positive trends, with a Free Cash Flow Growth Rate of 29.18% from 2023 to TTM (Trailing-Twelve-Months). The Operating Cash Flow to Net Income Ratio of 1.31 in the TTM reflects strong operational cash generation relative to net income. The Free Cash Flow to Net Income Ratio is 1.31, showing efficient cash conversion. Overall, Bancorp's cash flow position is solid, supported by strong operational cash generation and positive free cash flow growth.

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

Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 62.55
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TBBK, the sentiment is Neutral. The current price of 62.55 is below the 20-day moving average (MA) of 65.66, above the 50-day MA of 59.07, and above the 200-day MA of 55.00, indicating a neutral trend. The MACD of 0.79 indicates Positive momentum. The RSI at 49.35 is Neutral, neither overbought nor oversold. The STOCH value of 47.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TBBK.

Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFBC	79 Outperform	$2.27B	9.50	9.77%	4.08%	4.62%	2.69%
TBBK	76 Outperform	$2.93B	13.44	27.41%	―	18.40%	21.96%
PFS	75 Outperform	$2.36B	10.20	8.78%	5.27%	66.95%	67.27%
WAFD	73 Outperform	$2.32B	11.23	7.59%	3.61%	8.75%	5.16%
FRME	71 Outperform	$2.16B	9.73	9.90%	3.80%	-1.18%	23.43%
BANC	64 Neutral	$2.27B	22.28	4.32%	2.77%	49.00%	―
Sector *	63 Neutral	€13.39B	9.50	5.49%	3.97%	13.93%	9.46%

Bancorp Corporate Events

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 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.

Bancorp Expands Partnership with Block for Card Issuance

On July 10, 2025, The Bancorp, Inc. announced an amendment to its Master Services Agreement with Block, Inc., enhancing their partnership to include debit and prepaid card issuance for Cash App customers. This expansion, set to begin in 2026, signifies a strategic move to strengthen Bancorp’s position in the financial services market and potentially broaden its customer base through Block’s platform.

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.

Bancorp Increases Share Repurchase Program to $500M

On July 7, 2025, Bancorp, Inc.’s Board of Directors authorized an increase in the company’s share repurchase program, allowing up to $500 million in repurchases by the end of 2026. This move, funded by cash and refinancing of debt, aims to enhance shareholder value, though the company retains flexibility regarding the timing and amount of repurchases based on market conditions.

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.

Bancorp Announces Key Approvals at Annual Meeting

At the annual meeting of stockholders held on May 28, 2025, The Bancorp, Inc. announced the approval of several key proposals. Stockholders elected ten director nominees for a one-year term and approved the compensation for the company’s executive officers for the fiscal year ending December 31, 2024. Additionally, the appointment of Crowe LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025, was ratified. These decisions are expected to impact the company’s governance and financial oversight positively.

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.