Bancorp Inc (TBBK)
NASDAQ:TBBK
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Bancorp
(NASDAQ:TBBK)
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Rating:71Outperform
Price Target:
$63.00
▲(2.11% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by strong profitability and cash generation, supported by constructive earnings-call guidance and a clear capital-return plan. Valuation is also favorable with a low P/E. These positives are tempered by increased leverage and a mixed technical picture with the stock below key longer-term moving averages and only modest momentum.
Positive Factors
High profitability & capital efficiency
Sustained, high margins and ROE indicate the business earns strong returns on capital and can absorb cyclical stress. Durable profitability supports reinvestment in platforms, funds acquisitions or tech, and underpins the bank's capacity to maintain dividends/buybacks and withstand funding shocks.
Negative Factors
Rising leverage
A sharp increase in leverage materially raises sensitivity to earnings volatility and funding cost swings. Higher debt levels reduce financial flexibility for opportunistic investments or stress absorption and increase refinancing and regulatory scrutiny risk if market conditions deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability & capital efficiency
Sustained, high margins and ROE indicate the business earns strong returns on capital and can absorb cyclical stress. Durable profitability supports reinvestment in platforms, funds acquisitions or tech, and underpins the bank's capacity to maintain dividends/buybacks and withstand funding shocks.
Read all positive factors
Bancorp (TBBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.30B
Dividend YieldN/A
Average Volume (3M)455.49K
Price to Earnings (P/E)9.4
Beta (1Y)1.27
Revenue Growth13.52%
EPS Growth15.83%
CountryUS
Employees771
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.21
Shares Outstanding41,634,438
10 Day Avg. Volume529,319
30 Day Avg. Volume455,490
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 Cap1.30
Enterprise Value/Revenue3.84
Enterprise Value/Gross Profit5.61
Enterprise Value/Ebitda9.68
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
78
Positive
Balance Sheet
62
Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 778.88M | 690.46M | 710.11M | 611.60M | 413.98M | 326.86M |
| Gross Profit | 532.58M | 512.77M | 495.38M | 447.82M | 347.42M | 312.51M |
| EBITDA | 308.79M | 303.04M | 296.31M | 259.85M | 181.21M | 147.47M |
| Net Income | 231.11M | 228.21M | 217.54M | 192.30M | 130.21M | 110.65M |
Balance Sheet | ||||||
| Total Assets | 9.90B | 9.35B | 8.73B | 7.71B | 7.90B | 6.84B |
| Cash, Cash Equivalents and Short-Term Investments | 89.14M | 132.52M | 620.77M | 1.79B | 1.65B | 1.56B |
| Total Debt | 223.35M | 223.37M | 123.70M | 147.82M | 122.48M | 151.60M |
| Total Liabilities | 9.20B | 8.66B | 7.94B | 6.90B | 7.21B | 6.19B |
| Stockholders Equity | 696.95M | 689.80M | 789.78M | 807.28M | 694.03M | 652.45M |
Cash Flow | ||||||
| Free Cash Flow | 214.25M | 257.92M | 222.68M | 174.03M | 114.48M | 82.34M |
| Operating Cash Flow | 217.75M | 265.01M | 227.65M | 186.72M | 119.61M | 83.89M |
| Investing Cash Flow | -1.42B | -1.06B | -1.51B | 415.55M | -826.73M | -305.90M |
| Financing Cash Flow | 246.06M | 341.70M | 812.74M | -452.37M | 993.52M | 478.28M |
Bancorp Technical Analysis
Negative
61.70
Price Trends
56.43
Negative
59.23
Negative
64.96
Negative
Market Momentum
-0.96
Positive
45.38
Neutral
60.10
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TBBK, the sentiment is Negative. The current price of 61.7 is above the 20-day moving average (MA) of 56.87, above the 50-day MA of 56.43, and below the 200-day MA of 64.96, indicating a bearish trend. The MACD of -0.96 indicates Positive momentum. The RSI at 45.38 is Neutral, neither overbought nor oversold. The STOCH value of 60.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $3.73B | 9.34 | 18.53% | 3.38% | 1.43% | 22.08% | |
73 Outperform | $3.78B | 9.59 | 5.94% | 2.47% | 43.39% | -25.06% | |
71 Outperform | $2.30B | 9.42 | 30.56% | ― | 13.52% | 15.83% | |
71 Outperform | $4.10B | 9.64 | 11.45% | 3.52% | -0.24% | 23.07% | |
71 Outperform | $3.80B | 11.52 | 7.01% | 3.05% | 27.40% | 13.49% | |
68 Neutral | $3.45B | 13.72 | 9.13% | 5.24% | -5.29% | 45.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
TBBK
Bancorp
55.32
3.01
5.75%
FBP
First Bancorp Puerto Rico
24.11
4.58
23.43%
FIBK
First Interstate Bancsystem
35.49
10.33
41.04%
FULT
Fulton Financial
21.44
4.93
29.89%
INDB
Independent Bank
78.82
20.08
34.19%
RNST
Renasant
41.00
7.22
21.36%
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...
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.