Bancorp Inc (TBBK)
NASDAQ:TBBK
Want to see TBBK full AI Analyst Report?
Top Page
Bancorp
(NASDAQ:TBBK)
Select Model
Select Model
Rating:72Outperform
Price Target:
$67.00
▲(8.59% Upside)
Action:ReiteratedDate:04/24/26
The score is driven mainly by solid financial strength (strong profitability/returns but offset by 2025 revenue decline and higher leverage) and a positive earnings outlook with sizable buybacks and reiterated/raised forward EPS guidance. Supportive technical momentum and a low P/E further lift the score, while NIM pressure and fintech execution/timing risk temper it.
Positive Factors
High profitability and capital efficiency
The Bancorp's very high ROE and margins indicate durable earnings power and efficient capital use. Strong profitability supports internal funding for growth, cushions credit or NIM shocks, and enables meaningful shareholder returns while preserving strategic investments over the next 2–6 months.
Negative Factors
Net interest margin pressure from fintech mix
A structural shift into lower-yielding fintech credit sponsorship reduces aggregate asset yields and compresses NIM versus legacy lending. If fintech lending continues to scale faster than higher-yield loans, net interest income growth may be constrained for multiple quarters, pressuring core earnings sustainability.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability and capital efficiency
The Bancorp's very high ROE and margins indicate durable earnings power and efficient capital use. Strong profitability supports internal funding for growth, cushions credit or NIM shocks, and enables meaningful shareholder returns while preserving strategic investments over the next 2–6 months.
Read all positive factors
Bancorp (TBBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.48B
Dividend YieldN/A
Average Volume (3M)456.54K
Price to Earnings (P/E)9.4
Beta (1Y)1.30
Revenue Growth8.10%
EPS Growth15.83%
CountryUS
Employees771
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.99
Shares Outstanding41,853,760
10 Day Avg. Volume344,930
30 Day Avg. Volume456,542
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 Cap1.27
Enterprise Value/Revenue3.77
Enterprise Value/Gross Profit6.03
Enterprise Value/Ebitda10.30
Forecast
1Y Price Target
$66.00Price Target Upside6.97% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.92
Revenue Forecast (FY)$790.27M
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 mark...
How the Company Makes Money
The Bancorp primarily makes money through (1) net interest income and (2) non-interest (fee) income. Net interest income is earned from the spread between interest income on loans and investment securities and the interest expense paid on deposits...
Bancorp Earnings Call Summary
Earnings Call Date:Apr 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 23, 2026
Earnings Call Sentiment Positive
The call conveyed a predominantly positive outlook: strong profitability (ROE 35.1%, ROA 2.57%), robust loan and revenue growth, rapid expansion in fintech credit sponsorship balances and fee income, and a clear capital-return plan with substantial share buybacks and maintained EPS guidance. At the same time, management acknowledged near-term margin pressure (NIM down 43 bps Q/Q) driven by mix shifts toward lower-yielding fintech lending and timing risks tied to partner launches and embedded finance monetization, plus some remaining asset-yield compression and operational items (Aubrey stabilization). Overall, the positive items (growth, profitability, fee diversification, buybacks and improving credit metrics) materially outweigh the mentioned challenges, though execution and timing risks remain important to monitor.Positive Updates
Strong Profitability Metrics and EPS Growth
Reported EPS of $1.41 (reference to quarter stated on call) with year-over-year EPS growth of 18%. First quarter ROE was 35.1% and ROA was 2.57%, demonstrating high profitability and capital efficiency.
Negative Updates
Net Interest Margin Decline
Reported NIM was 3.87%, down 43 basis points quarter-over-quarter and down 20 basis points year-over-year. Management cited loan mix shift to credit sponsorship and lagged effects of lower short-term rates as drivers of the decline.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Profitability Metrics and EPS Growth
Reported EPS of $1.41 (reference to quarter stated on call) with year-over-year EPS growth of 18%. First quarter ROE was 35.1% and ROA was 2.57%, demonstrating high profitability and capital efficiency.
Read all positive updates
Company Guidance
Management reiterated 2026 guidance of $5.90 EPS (including $1.75 in Q4 ’26) and gave 2027 EPS guidance of $8.10–$8.30; they forecast $200 million of share repurchases in 2026 (about $50 million per quarter) and expect 2027 buybacks to be roughly 100% of net income. They plan to launch at least two significant fintech programs in 2026 and to announce at least one embedded‑finance client (noting embedded finance will contribute very little revenue in ’26 but more in ’27), are targeting roughly $2.0 billion of fintech lending by year‑end (credit‑sponsorship balances were $1.65 billion at quarter end), and said EPS accretion will be driven by three fintech initiatives, platform efficiency gains (including AI and restructuring) and high capital returns, while cautioning that timing of fintech ramps will determine when the upside is realized.Bancorp Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
62
Positive
Cash Flow
66
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 690.46M | 710.11M | 611.60M | 413.98M | 326.86M |
| Gross Profit | 512.77M | 495.38M | 447.82M | 347.42M | 312.51M |
| EBITDA | 303.04M | 296.31M | 259.85M | 181.21M | 147.47M |
| Net Income | 228.21M | 217.54M | 192.30M | 130.21M | 110.65M |
Balance Sheet | |||||
| Total Assets | 9.35B | 8.73B | 7.71B | 7.90B | 6.84B |
| Cash, Cash Equivalents and Short-Term Investments | 132.52M | 620.77M | 1.79B | 1.65B | 1.56B |
| Total Debt | 223.37M | 123.70M | 147.82M | 122.48M | 151.60M |
| Total Liabilities | 8.66B | 7.94B | 6.90B | 7.21B | 6.19B |
| Stockholders Equity | 689.80M | 789.78M | 807.28M | 694.03M | 652.45M |
Cash Flow | |||||
| Free Cash Flow | 257.92M | 222.68M | 174.03M | 114.48M | 82.34M |
| Operating Cash Flow | 265.01M | 227.65M | 186.72M | 119.61M | 83.89M |
| Investing Cash Flow | -1.06B | -1.51B | 415.55M | -826.73M | -305.90M |
| Financing Cash Flow | 341.70M | 812.74M | -452.37M | 993.52M | 478.28M |
Bancorp Technical Analysis
Positive
61.70
Price Trends
55.88
Positive
61.63
Positive
65.85
Negative
Market Momentum
1.47
Negative
73.86
Negative
88.56
Negative
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 61.7 is above the 20-day moving average (MA) of 55.99, above the 50-day MA of 55.88, and below the 200-day MA of 65.85, indicating a neutral trend. The MACD of 1.47 indicates Negative momentum. The RSI at 73.86 is Negative, neither overbought nor oversold. The STOCH value of 88.56 is Negative, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $3.79B | 9.34 | 18.53% | 3.38% | 1.43% | 22.08% | |
76 Outperform | $4.16B | 9.64 | 11.45% | 3.52% | -0.22% | 23.07% | |
74 Outperform | $3.75B | 9.59 | 5.94% | 2.47% | 43.48% | -25.06% | |
72 Outperform | $2.48B | 9.42 | 30.56% | ― | 8.10% | 15.83% | |
70 Outperform | $3.46B | 13.72 | 9.13% | 5.24% | -10.28% | 45.44% | |
68 Neutral | $3.76B | 11.52 | 7.01% | 3.05% | 27.41% | 13.49% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
TBBK
Bancorp
58.59
6.60
12.69%
FBP
First Bancorp Puerto Rico
23.90
4.42
22.72%
FIBK
First Interstate Bancsystem
34.99
9.84
39.12%
FULT
Fulton Financial
21.20
4.57
27.47%
INDB
Independent Bank
77.16
17.04
28.35%
RNST
Renasant
39.41
6.90
21.24%
Bancorp Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
Bancorp Reports Strong Q1 2026 Earnings and Growth
Positive
Apr 23, 2026
On April 23, 2026, The Bancorp reported first-quarter 2026 net income of $60.1 million, or $1.41 per diluted share, up 18% from a year earlier, with return on assets at 2.57% and return on equity at 35.1%. Results were driven by 22% year-over-year...
Business Operations and StrategyStock BuybackFinancial DisclosuresLegal Proceedings
Bancorp Posts Strong Q4 2025 Results Amid Headwinds
Positive
Jan 29, 2026
On January 29, 2026, The Bancorp reported fourth-quarter 2025 results showing net income of $56.3 million, or $1.28 per diluted share, up 11% from a year earlier, with a return on assets of 2.53% and return on equity of 30.4%. The quarter was char...
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.