Bancorp Inc (TBBK)
NASDAQ:TBBK
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Bancorp
(NASDAQ:TBBK)
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Rating:67Neutral
Price Target:
$63.00
▲(7.66% Upside)
Action:ReiteratedDate:02/26/26
The score is driven primarily by solid underlying financial strength and a constructive earnings outlook with significant buybacks and strong ROE. This is partly offset by weakening price trend/negative momentum signals and financial risks highlighted by the 2025 revenue drop and increased leverage; valuation is supportive with a modest P/E.
Positive Factors
High ROE & Margins
Record ROE near 30% indicates efficient capital deployment and strong underlying margins. Sustained high returns support internal capital formation and credible shareholder distributions (buybacks), enabling reinvestment and resilience without frequent external capital needs if profitability endures.
Negative Factors
Sharp 2025 Revenue Decline
A ~20% revenue drop in 2025 raises questions about growth durability; underlying organic revenue ex-credit-enhancement grew only modestly. Slower top-line momentum increases reliance on buybacks and efficiency gains to meet EPS targets and makes long-term earnings more execution-sensitive.
Read all positive and negative factors
Positive Factors
Negative Factors
High ROE & Margins
Record ROE near 30% indicates efficient capital deployment and strong underlying margins. Sustained high returns support internal capital formation and credible shareholder distributions (buybacks), enabling reinvestment and resilience without frequent external capital needs if profitability endures.
Read all positive factors
Bancorp (TBBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.47B
Dividend YieldN/A
Average Volume (3M)528.77K
Price to Earnings (P/E)13.5
Beta (1Y)1.16
Revenue Growth29.24%
EPS Growth21.49%
CountryUS
Employees771
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.28
Shares Outstanding42,193,830
10 Day Avg. Volume368,478
30 Day Avg. Volume528,770
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 Cap1.21
Enterprise Value/Revenue3.57
Enterprise Value/Gross Profit5.70
Enterprise Value/Ebitda9.74
Forecast
1Y Price Target
$66.00Price Target Upside12.78% 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
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 lo...
Bancorp Earnings Call Summary
Earnings Call Date:Jan 29, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 23, 2026
Earnings Call Sentiment Positive
The call presented multiple strong operational and financial positives: record ROE, meaningful GDV and fee growth, rapid expansion of credit sponsorship balances, improving credit metrics, active share repurchases, and bullish EPS guidance. Headwinds cited were mostly execution/timing, mix-related (NIM compression as fee mix rises), a modest legal settlement, temporary effects from a government shutdown, and a manageable subset of stressed real estate loans. On balance, management conveyed confidence in initiatives and provided concrete quantitative progress and guidance.Positive Updates
Earnings Per Share and EPS Growth
Diluted EPS of $1.28 in Q4 with year-over-year EPS growth of 11%.
Negative Updates
Modest Underlying Revenue Growth (Excluding Credit Enhancement)
Quarter revenue growth excluding credit enhancement was only 3% year-over-year, indicating limited organic revenue acceleration outside of fee/partner-related items.
Read all updates
Q4-2025 Updates
Positive
Negative
Earnings Per Share and EPS Growth
Diluted EPS of $1.28 in Q4 with year-over-year EPS growth of 11%.
Read all positive updates
Company Guidance
Management set 2026 EPS guidance at $5.90 (with a Q4‑2026 target of at least $1.75) and maintained preliminary 2027 EPS guidance of $8.25, explicitly including $200 million of share repurchases in 2026 (forecast at $50M per quarter) as a key driver of EPS accretion; they noted EPS upside also depends on the timing of three fintech initiatives, platform efficiency/productivity gains and AI deployment, and on the company’s stock price for buyback execution. Management pointed to recent repurchase activity ($150M in Q4, 5% of shares; $375M for FY, 12% of shares), record ROE (30.4% Q4; 28.9% FY), credit sponsorship balances of ~$1.1B (up 40% q/q, 142% YoY) and the prospect of doubling that program toward a $2–$3B run rate as supporting this outlook, while noting NIM may compress toward ~4% as fee income rises to ~35% of revenue (ex‑credit enhancement).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 | 1.68B | 620.77M | 1.79B | 1.65B | 1.56B |
| Total Debt | 422.37M | 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
58.52
Price Trends
56.13
Positive
61.62
Negative
65.77
Negative
Market Momentum
0.48
Negative
64.58
Neutral
78.05
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 58.52 is above the 20-day moving average (MA) of 54.19, above the 50-day MA of 56.13, and below the 200-day MA of 65.77, indicating a neutral trend. The MACD of 0.48 indicates Negative momentum. The RSI at 64.58 is Neutral, neither overbought nor oversold. The STOCH value of 78.05 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $3.54B | 9.62 | 18.37% | 3.38% | 2.35% | 13.72% | |
69 Neutral | $4.20B | 9.05 | 11.60% | 3.52% | 9.60% | 20.38% | |
69 Neutral | $3.71B | 10.54 | 5.10% | 2.47% | 20.26% | -35.00% | |
68 Neutral | $3.44B | 11.75 | 8.83% | 5.24% | -5.43% | 4.19% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $2.47B | 13.54 | 28.91% | ― | 29.24% | 21.49% | |
64 Neutral | $3.89B | 17.62 | 6.21% | 3.05% | 11.05% | -10.78% |
* Financial Sector Average
TBBK
Bancorp
58.52
13.28
29.35%
FBP
First Bancorp Puerto Rico
22.64
5.37
31.06%
FIBK
First Interstate Bancsystem
34.03
10.73
46.07%
FULT
Fulton Financial
21.54
6.47
42.90%
INDB
Independent Bank
79.62
27.14
51.71%
RNST
Renasant
39.40
12.28
45.28%
Bancorp Corporate Events
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.