Bancorp (TBBK) AI Stock Analysis

• Market Cap: $2.33B
• Dividend Yield: N/A
• Average Volume (3M): 415.36K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.17
• Revenue Growth: 18.52%
• EPS Growth: 21.05%
• Country: US
• Employees: 771
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 1.19
• Shares Outstanding: 46,709,747
• 10 Day Avg. Volume: 529,548
• 30 Day Avg. Volume: 415,355
• PEG Ratio: 3.40
• Price to Book (P/B): 2.88
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.27
• Enterprise Value/Market Cap: 1.06
• Enterprise Value/Revenue: 0.90
• Enterprise Value/Gross Profit: 4.94
• Enterprise Value/Ebitda: 2.88
• 1Y Price Target: $63.33
• Price Target Upside: 24.91% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 72 Outperform
• Price Target: $56.00 ▲(10.45%Upside)

Bancorp's overall stock score reflects strong financial performance and positive earnings call outcomes. However, mixed technical indicators and valuation metrics provide some caution. Positive corporate events provide additional support to the score.

Bancorp Business Overview & Revenue Model

Company Description

The Bancorp, Inc. (TBBK) is a financial holding company primarily engaged in providing a range of banking and financial services. Headquartered in Wilmington, Delaware, the company offers services through its subsidiary, The Bancorp Bank, which specializes in serving non-traditional banking markets. The Bancorp focuses on providing private-label banking services, including prepaid and debit card issuance, institutional banking, and commercial lending. It also offers deposit services, leasing, and fintech solutions, catering to businesses, entrepreneurs, and institutional clients.

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 shows strong financial performance with high profitability and growth in revenue, evidenced by a robust income statement. The balance sheet indicates low leverage and effective equity use, while the cash flow statement reflects strong operational cash generation.

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
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
756.91M	710.11M	611.60M	413.98M	326.86M	295.40M
	Gross Profit
502.28M	495.38M	447.82M	347.42M	315.63M	273.13M
	EBIT
127.84M	295.52M	256.77M	177.91M	144.38M	107.77M
	EBITDA
152.44M	0.00	259.85M	181.21M	147.47M	112.04M
	Net Income Common Stockholders
218.28M	217.54M	192.30M	130.21M	110.65M	80.08M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.50B	1.51B	752.35M	790.08M	1.56B	1.55B
	Total Assets
9.39B	8.73B	7.71B	7.90B	6.84B	6.28B
	Total Debt
123.69M	123.70M	147.82M	122.48M	151.60M	151.99M
	Net Debt
123.69M	-6.06M	143.00M	-765.67M	-450.18M	-193.52M
	Total Liabilities
8.56B	7.94B	6.90B	7.21B	6.19B	5.70B
	Stockholders Equity
829.69M	789.78M	807.28M	694.03M	652.45M	581.16M
Cash Flow		Free Cash Flow
285.65M	220.98M	174.03M	115.85M	82.34M	-515.92M
	Operating Cash Flow
286.80M	229.53M	186.72M	120.98M	83.89M	-512.18M
	Investing Cash Flow
-1.75B	-1.51B	415.55M	-828.10M	-305.90M	-595.79M
	Financing Cash Flow
1.23B	812.74M	-452.37M	993.52M	478.28M	509.02M

Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 50.70
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 50.7 is below the 20-day moving average (MA) of 51.44, above the 50-day MA of 50.14, and below the 200-day MA of 53.26, indicating a neutral trend. The MACD of -0.13 indicates Positive momentum. The RSI at 46.97 is Neutral, neither overbought nor oversold. The STOCH value of 17.97 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TBBK.

Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FRME	78 Outperform	$2.08B	10.06	9.16%	4.03%	1.42%	2.67%
FFBC	76 Outperform	$2.21B	9.60	9.58%	4.16%	8.05%	-3.31%
PFS	73 Outperform	$2.09B	14.41	6.77%	6.01%	80.24%	-30.60%
TBBK	72 Outperform	$2.33B	11.45	26.52%	―	18.52%	21.05%
WAFD	71 Outperform	$2.21B	10.47	7.70%	3.87%	24.53%	0.16%
BANC	68 Neutral	$2.10B	20.51	4.33%	3.00%	121.00%	―
Sector *	64 Neutral	$12.73B	9.77	7.84%	78.17%	12.05%	-7.99%

Bancorp Corporate Events

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.

Bancorp Reports Strong Q1 2025 Financial Results

The Bancorp, Inc. reported its first quarter financial results for 2025, showing a net income increase to $57.2 million, or $1.19 per diluted share, compared to the previous year. The company experienced growth in various areas, including a 17% year-over-year increase in loans and an 18% rise in gross dollar volume for prepaid and debit cards. Despite a decrease in net interest income and margin, the company maintained strong capital ratios and continued its share repurchase program, reducing outstanding shares by 10%. The Bancorp’s strategic focus on niche loan markets and stable funding sources has contributed to its resilience amid economic challenges, enhancing its risk profile and potential for increased shareholder value.

Bancorp Announces CFO Retirement and Interim Appointment

On March 28, 2025, The Bancorp, Inc. announced the retirement of Paul Frenkiel, its Chief Financial Officer, who will transition to a consulting role until the end of the year. Martin Egan, the current Chief Accounting Officer, has been appointed as Interim CFO while the company continues its search for a permanent successor.