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NZF vs TBBK

NZF
Nuveen Municipal Credit Income Fund
BEARISH
Price
$12.59
Market Cap
$2.44B
Sector
Financial Services
AI Confidence
85%
TBBK
The Bancorp, Inc.
NEUTRAL
Price
$57.91
Market Cap
$2.44B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
NZF
41.97
TBBK
12.3
Forward P/E
NZF
--
TBBK
7.15
P/B Ratio
NZF
0.98
TBBK
3.56
P/S Ratio
NZF
11.65
TBBK
4.64
EV/EBITDA
NZF
--
TBBK
--

Profitability

Gross Margin
NZF
100.0%
TBBK
0.0%
Operating Margin
NZF
86.9%
TBBK
59.75%
Profit Margin
NZF
28.04%
TBBK
43.37%
ROE
NZF
2.3%
TBBK
30.85%
ROA
NZF
2.64%
TBBK
2.52%

Growth

Revenue Growth
NZF
-1.2%
TBBK
2.3%
Earnings Growth
NZF
73.4%
TBBK
11.9%

Financial Health

Debt/Equity
NZF
0.68
TBBK
--
Current Ratio
NZF
0.31
TBBK
--
Quick Ratio
NZF
0.17
TBBK
--

Dividends

Dividend Yield
NZF
7.58%
TBBK
--
Payout Ratio
NZF
318.0%
TBBK
0.0%

AI Verdict

NZF BEARISH

NZF exhibits a stable Piotroski F-Score of 6/9, but this fundamental health is overshadowed by severe valuation and dividend sustainability issues. The stock is trading at a significant premium to both its Graham Number ($9.32) and Intrinsic Value ($8.85), while the dividend payout ratio of 318% indicates that distributions are not supported by earnings. Combined with a bearish technical trend (0/100) and negative revenue growth, the fund appears overvalued and structurally unstable regarding its yield.

Strengths
Stable Piotroski F-Score (6/9) indicating decent operational health
Price/Book ratio of 0.98 suggests it is trading near its net asset value
Strong historical 3-year price appreciation (+33.8%)
Risks
Unsustainable dividend payout ratio of 318%
Significant premium to Graham Number and Intrinsic Value
Negative year-over-year revenue growth (-1.20%)
TBBK NEUTRAL

TBBK presents a dichotomy between exceptional profitability and deteriorating momentum. The Piotroski F-Score of 4/9 indicates stable but non-improving financial health, while the absence of an Altman Z-Score is typical for the banking sector. While the stock trades at a significant discount to its growth-based intrinsic value ($117.04) and boasts a superior ROE of 30.85%, recent earnings misses and a bearish technical trend suggest a period of consolidation or correction.

Strengths
Exceptional Return on Equity (ROE) of 30.85%
Strong Return on Assets (ROA) of 2.52% for a regional bank
Attractive valuation with a Forward P/E of 7.15
Risks
Significant regulatory risk from OCC and FDIC regarding capital adequacy
Stagnant YoY revenue growth of only 2.30%
Poor recent earnings track record (only 1 beat in last 4 quarters)

Compare Another Pair

NZF vs TBBK: Head-to-Head Comparison

This page compares Nuveen Municipal Credit Income Fund (NZF) and The Bancorp, Inc. (TBBK) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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