The Bancorp, Inc. (TBBK)
Fair ValueFundamental
70
Price
$50.86
Market Cap
$2.04B
Part 1 · What the company is worth
Overview
The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, money market, and commercial accounts. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; financing to investment advisors; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card loans, payroll advances, and others. In addition, it offers automated clearing house (ACH) bill, and other payment services; debit and prepaid card issuing services; card and bill payment; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$672M
Trailing 12 months (through 6/30/2026)
Net Income
$232M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$258M
Total Equity
$690M
Total Liabilities
$8.66B
Current Ratio
-
Interest Coverage
0.84
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$58.05
Current Price
$50.86
Margin of Safety
+12.4%
Fair Value Range
$44.13 - $71.96
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
9.56
ROE
33.1%
P/B Ratio
2.94
P/FCF
8.89
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
12.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (16)
- EPS shows upward trend
- EPS CAGR 41.07%
- Price CAGR 20.22%
- P/FCF 8.89
- P/B ratio 2.94
- Operating margin 45.8%
- Positive free cash flow
- CapEx intensity
- Return on tangible assets
- Low reliance on intangibles
- ROE 32.3%
- Revenue growth 5Y 20.4%
- PEG ratio 0.31
- Earnings quality (operating cash flow / net income) 1.03
- Share dilution -8.5%
- Piotroski F-Score 5/9
Failed (6)
- Debt/equity ratio
- Interest coverage
- Price below Graham Number
- DCF valuation (Fairly Valued)
- Earnings surprise, average -4.8%
- Net margin trend 34.5% vs 35.0%
Unavailable (5)
- ROIC –
- Gross margin –
- Dividend payout –
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Damian M. Kozlowski | CEO, President & Director | 60 |
| Mr. Dominic C. Canuso C.F.A. | Executive VP & CFO | 50 |
| Mr. Gregor J. Garry | Executive VP & COO | 41 |
| Mr. Martin F. Egan | MD & Chief Accounting Officer | 57 |
| Mr. Mark Leo Connolly | Executive VP, Head of Credit Solutions & Chief Credit Officer | 57 |
| Mr. Ryan Harris | Executive VP & Head of Fintech Solutions | 47 |
| Mr. Andres Viroslav | Director of Investor Relations | - |
| Ms. Erika R. Caesar | Executive VP, General Counsel & Corporate Secretary | 41 |
| Ms. Maria Wainwright | Executive VP & Chief Marketing Officer | 47 |
| Ms. Jennifer F. Terry | Executive VP & Chief Human Resources Officer | 52 |
Audit Risk
10
Board Risk
2
Compensation Risk
4
Shareholder Rights Risk
1
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-25
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-06
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-09-04
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much TBBK moves, measured on its daily prices.
More volatile than 76% of the tracked stocks (90-day volatility).
- Volatility 30d
- 23.7%
- Volatility 90d
- 51.7%
- Beta vs S&P 500 (1y)
- 1.03Correlation 0.29
- Max drawdown (12m)
- -39.2%
- ATR (14d, % of price)
- 2.86%
Earnings reactions
How TBBK moved around its past quarterly results.
Next earnings release
Oct 29, 2026 · In 5 days · After the close
EPS estimate: 1.47Revenue estimate: $91M
What usually happens
- Over the last 12 releases the stock moved a median of 6.9% the next day, up or down.
- Next-day moves: up 5, down 7 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 30, 2026 | After the close | 1.39 | 1.45 | +4.3% | +0.5% | +3.5% | +9.2% |
| Apr 23, 2026 | After the close | 1.36 | 1.41 | +3.4% | -1.6% | -4.2% | -1.1% |
| Jan 29, 2026 | After the close | 1.49 | 1.28 | -13.9% | -5.0% | -15.7% | -17.0% |
| Oct 30, 2025 | After the close | 1.36 | 1.18 | -13.0% | -10.5% | -15.3% | -20.3% |
| Jul 24, 2025 | After the close | n/a | n/a | n/a | -2.6% | -8.5% | -9.3% |
| Apr 24, 2025 | After the close | n/a | n/a | n/a | -2.5% | -3.4% | -0.4% |
| Jan 30, 2025 | After the close | n/a | n/a | n/a | +1.8% | +5.9% | +8.5% |
| Oct 24, 2024 | After the close | n/a | n/a | n/a | -9.0% | -14.5% | -8.6% |
| Jul 25, 2024 | After the close | n/a | n/a | n/a | -2.7% | +1.4% | -3.3% |
| Apr 25, 2024 | After the close | n/a | n/a | n/a | +0.6% | -7.8% | -6.3% |
| Jan 25, 2024 | After the close | n/a | n/a | n/a | +1.5% | +7.8% | +4.6% |
| Oct 26, 2023 | After the close | n/a | n/a | n/a | +6.0% | +5.4% | +16.8% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on TBBK and what the price did next.
- 3/3/2026PositiveIs Bancorp Stock a Buy as One Investor Adds $3 Million to Position?
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for TBBK.
- 3/3/2026POSITIVEIs Bancorp Stock a Buy as One Investor Adds $3 Million to Position?
A recent market development reveals a significant investor has increased their stake in The Bancorp, a fintech-focused lender, by an additional $3 million. This move suggests strong confidence in the company's future prospects, known for delivering specialized banking and payment solutions to business and institutional clients nationwide. Such a substantial capital injection from a single investor can be interpreted as a bullish signal, indicating expectations of growth or an undervaluation of the stock. Investors should closely monitor The Bancorp, as institutional interest often precedes significant price movements, particularly within the dynamic fintech sector.