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TBBK

NEUTRAL
$60.96 Live
The Bancorp, Inc. · NASDAQ
Target $71.33 (+17.0%)
$43.71 52W Range $81.65
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$2.57B
P/E
12.39
ROE
30.8%
Profit margin
43.4%
Debt/Equity
N/A
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
85%
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.

Key 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%
Robust long-term price appreciation (5Y Change: +183.8%)
Efficient business model utilizing Fintech solutions for low-cost deposits

Key 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%
Bearish technical trend and negative insider sentiment
Lack of dividend yield providing no downside cushion
AI Fair Value Estimate
Based on comprehensive analysis
$68.5
+12.4% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
48
Moderate
Value
82
Future
45
Past
75
Health
40
Dividend
0
AI Verdict
Value Trap Risk
Key drivers: High ROE, Low Forward P/E, Consecutive Earnings Misses, Regulatory Capital Constraints
Confidence
80%
Value
82/100

Ref P/E 12.39, PEG 1.07, Graham Number $42.46

Positives
  • Low P/E relative to sector
  • PEG ratio near 1.0
  • Trading well below growth-based intrinsic value
Watchpoints
  • Price/Book is relatively high at 3.74
Future
45/100

Ref Growth rates and Earnings Track Record

Positives
  • Positive YoY earnings growth (11.9%)
Watchpoints
  • Very slow YoY revenue growth (2.3%)
  • Consistent failure to meet analyst EPS estimates
Past
75/100

Ref Historical price trends

Positives
  • Strong 3Y and 5Y price performance
  • Consistent historical EPS growth over 25 quarters
Watchpoints
  • Recent 6-month decline of 17.3%
Health
40/100

Ref Piotroski F-Score 4/9 and 10-K Regulatory section

Positives
  • Piotroski F-Score of 4 indicates stability
Watchpoints
  • Regulatory warnings regarding capital adequacy
  • Lack of Altman Z-Score data for bankruptcy risk assessment
Dividend
0/100

Ref Dividend Yield N/A

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • 0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$60.96
Analyst Target
$71.33
Upside/Downside
+17.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TBBK and closest competitors.

Updated 2026-04-20
TBB
The Bancorp, Inc.
Primary
5Y
+183.8%
3Y
+122.8%
1Y
+40.1%
6M
-17.3%
1M
+15.9%
1W
+2.4%
ETO
eToro Group Ltd.
Peer
5Y
-40.3%
3Y
-40.3%
1Y
-40.3%
6M
-24.2%
1M
-1.7%
1W
+3.4%
FRM
First Merchants Corporation
Peer
5Y
+5.0%
3Y
+48.0%
1Y
+16.6%
6M
+13.3%
1M
+10.9%
1W
+5.2%
TRM
Trustmark Corporation
Peer
5Y
+59.9%
3Y
+110.1%
1Y
+41.7%
6M
+19.5%
1M
+10.6%
1W
+0.7%
BBU
Brookfield Business Corporation
Peer
5Y
+0.1%
3Y
+62.8%
1Y
+52.8%
6M
+10.6%
1M
-3.1%
1W
-2.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
12.39
Forward P/E
7.53
PEG Ratio
1.07
P/B Ratio
3.74
P/S Ratio
4.89
EV/Revenue
5.68
EV/EBITDA
N/A
Market Cap
$2.57B

Profitability

Profit margins and return metrics

Profit Margin 43.37%
Operating Margin 59.75%
Gross Margin N/A
ROE 30.85%
ROA 2.52%

Growth

Revenue and earnings growth rates

Revenue Growth +2.3%
Earnings Growth +11.9%
Q/Q Revenue Growth +15.67%
Q/Q Earnings Growth +0.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$0.19

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.2B
Net Margin
32.6%
Total Assets
$9.4B
Liabilities
$8.7B
Equity
$0.7B
Debt/Equity
12.56x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
117%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23
$N/A
2026-01-29
$1.28
-12.3% surprise
2025-10-30
$1.18
-11.3% surprise
2025-07-24
$1.27
-0.8% surprise

Financial Services Sector Comparison

Comparing TBBK against 575 companies in the Financial Services sector (106 bullish, 236 neutral, 233 bearish)
P/E Ratio
12.39
This Stock
vs
41.79
Sector Avg
-70.4% (Discount)
Return on Equity (ROE)
30.85%
This Stock
vs
-0.09%
Sector Avg
-33130.9% (Below Avg)
Profit Margin
43.37%
This Stock
vs
48.12%
Sector Avg
-9.9% (Weaker)
Revenue Growth
2.3%
This Stock
vs
39.47%
Sector Avg
-94.2% (Slower)

Similar Companies

Peer comparison within the same industry

TBBK The Bancorp, Inc.
NEUTRAL
Mkt Cap
$2.6B
P/E
12.4
ROE
30.8%
Price
$60.96
ETOR eToro Group Ltd.
NEUTRAL
Mkt Cap
$2.6B
P/E
13.0
ROE
19.4%
Price
$31.04
 Compare with TBBK
FRME First...
NEUTRAL
Mkt Cap
$2.6B
P/E
10.5
ROE
9.5%
Price
$41.47
 Compare with TBBK
TRMK Trustmark Corporation
NEUTRAL
Mkt Cap
$2.7B
P/E
12.2
ROE
11.0%
Price
$45.2
 Compare with TBBK
BBUC Brookfield...
BEARISH
Mkt Cap
$2.5B
P/E
-
ROE
-63.5%
Price
$35.42
 Compare with TBBK

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

HARRIS RYAN
Officer
Sell
2026-03-13
4,500 shares · $239,328
CANUSO DOMINIC C.
Chief Financial Officer
Buy
2026-02-27
2,000 shares · $110,510
COHN MATTHEW
Director
Buy
2026-02-12
1,080 shares · $65,000
CANUSO DOMINIC C.
Chief Financial Officer
Buy
2026-02-10
3,000 shares · $182,777
KOZLOWSKI DAMIAN
Chief Executive Officer
Stock Award
2026-02-09
80,580 shares
CANUSO DOMINIC C.
Chief Financial Officer
Stock Award
2026-02-09
9,669 shares
CONNOLLY MARK LEO
Officer
Stock Award
2026-02-09
20,145 shares
WAINWRIGHT MARIA
Officer
Stock Award
2026-02-09
9,669 shares
HARRIS RYAN
Officer
Stock Award
2026-02-09
40,290 shares
GARRY GREGOR J
Chief Operating Officer
Stock Award
2026-02-09
25,181 shares
TERRY JENNIFER F
Officer
Stock Award
2026-02-09
8,058 shares
CAESAR ERIKA R
Officer
Stock Award
2026-02-09
15,108 shares
EGAN MARTIN F
Officer
Stock Award
2026-02-09
5,136 shares
LAMB WILLIAM H
Director
Gift
2026-02-04
4,800 shares
TRYNISKI MARK E
Director
Buy
2026-02-04
5,000 shares · $301,158
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-13

TBBK filed a definitive proxy statement on April 13, 2026, providing shareholders with necessary information and voting materials for an upcoming meeting.

10-K
10-K
2026-02-25

The Bancorp, Inc. utilizes its Fintech Solutions business to generate non-interest income and low-cost deposits, which are then deployed into lower-risk specialty lending through its Credit Solutions segment. The company faces significant regulatory risk due to extensive oversight by the OCC and FDIC, particularly regarding strict capital adequacy guidelines. Failure to maintain these regulatory capital requirements could lead to operational limitations or the potential cessation of banking activities.

8-K
THE BANCORP, INC. FORM 8-K
2026-01-29

The Bancorp, Inc. filed an 8-K on January 29, 2026, likely to announce its fourth quarter and full-year financial results.

10-Q
10-Q
2025-11-10

Webster Financial Corporation (TBBK) filed its 10-Q on November 10, 2025. The filing includes a section on Risk Factors under Item 1A, although specific financial highlights and risk details were not provided in the available excerpt.

8-K
THE BANCORP, INC. FORM 8-K
2025-11-03

The Bancorp, Inc. likely filed this 8-K to announce its third-quarter financial results.

8-K
THE BANCORP, INC. FORM 8-K
2025-10-30

The Bancorp, Inc. filed an 8-K likely announcing its third-quarter financial results.

8-K
THE BANCORP, INC. FORM 8-K
2025-08-18

The Bancorp, Inc. filed a current report, likely announcing its second-quarter financial results for 2025.

S-1
S-1
2025-08-08

TBBK filed an S-1 registration statement on August 8, 2025, indicating its intent to register securities for a public offering.

10-Q
10-Q
2025-08-08

TBBK filed its quarterly 10-Q report on August 8, 2025. The filing includes a section on risk factors under Item 1A, although specific financial highlights and risk details were not provided in the available excerpt.

8-K
THE BANCORP, INC. FORM 8-K
2025-08-04

The Bancorp, Inc. filed a current report on August 4, 2025, likely announcing its second-quarter financial results.

8-K
THE BANCORP, INC. FORM 8-K
2025-07-24
8-K
THE BANCORP, INC. FORM 8-K
2025-07-14
8-K
THE BANCORP, INC. FORM 8-K
2025-07-07
8-K/A
THE BANCORP, INC. FORM 8-K/A
2025-06-30
8-K/A
THE BANCORP, INC. FORM 8-K/A
2025-05-30
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning TBBK from our newsroom.

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