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TBBK vs V

TBBK
The Bancorp, Inc.
NEUTRAL
Price
$60.96
Market Cap
$2.57B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
TBBK
12.39
V
28.35
Forward P/E
TBBK
7.53
V
20.79
P/B Ratio
TBBK
3.74
V
15.09
P/S Ratio
TBBK
4.89
V
14.08
EV/EBITDA
TBBK
--
V
20.06

Profitability

Gross Margin
TBBK
0.0%
V
97.78%
Operating Margin
TBBK
59.75%
V
68.3%
Profit Margin
TBBK
43.37%
V
50.23%
ROE
TBBK
30.85%
V
53.95%
ROA
TBBK
2.52%
V
18.36%

Growth

Revenue Growth
TBBK
2.3%
V
14.6%
Earnings Growth
TBBK
11.9%
V
17.4%

Financial Health

Debt/Equity
TBBK
--
V
0.55
Current Ratio
TBBK
--
V
1.11
Quick Ratio
TBBK
--
V
0.72

Dividends

Dividend Yield
TBBK
--
V
0.89%
Payout Ratio
TBBK
0.0%
V
22.91%

AI Verdict

TBBK NEUTRAL

TBBK presents a conflicting profile characterized by a stable Piotroski F-Score of 4/9 and a valuation that sits between its defensive Graham Number ($42.46) and growth-based Intrinsic Value ($122.26). While the company boasts an exceptional ROE of 30.85% and an attractive forward P/E of 7.53, it has failed to beat earnings estimates in the last four consecutive quarters. Significant regulatory risks regarding capital adequacy and a bearish technical trend (0/100) temper the bullish valuation metrics. The stock currently functions as a value play with concerning short-term execution and regulatory headwinds.

Strengths
Exceptional Return on Equity (ROE) of 30.85%
Attractive valuation with a Forward P/E of 7.53 and PEG of 1.07
Strong profitability with a profit margin of 43.37%
Risks
Poor recent earnings performance (0/4 beats in last 4 quarters)
High regulatory risk from OCC and FDIC regarding capital adequacy
Stagnant YoY revenue growth of only 2.30%
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

TBBK vs V: Head-to-Head Comparison

This page compares The Bancorp, Inc. (TBBK) and Visa Inc. (V) 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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