The Bancorp, Inc. (TBBK) Financial Ratios
23 years of historical data (2003–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.19
↑+28% vs avg
5yr avg: 7.15
30Y Low4.7·High67.2
P/FCF
↓
9.19
↓-33% vs avg
5yr avg: 13.72
30Y Low3.0·High132.5
P/B Ratio
↑
3.78
↑+25% vs avg
5yr avg: 3.04
30Y Low0.3·High4.5
ROE
↑
30.8%
↓+27% vs avg
5yr avg: 24.2%
30Y Low-31%·High31%
Debt/EBITDA
↑
1.39
↑+71% vs avg
5yr avg: 0.82
30Y Low0.4·High18.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TBBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
The Bancorp, Inc. trades at 11.4x earnings, 9% below its 5-year average of 12.6x, sitting at the 18th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 16%. On a free-cash-flow basis, the stock trades at 9.2x P/FCF, 33% below the 5-year average of 13.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.4B | $3.1B | $2.7B | $2.1B | $1.6B | $1.5B | $797M | $744M | $454M | $555M | $352M |
| Enterprise Value | $2.8B | $3.5B | $2.2B | $1.2B | $860M | $1.0B | $604M | $-146311170 | $-44872720 | $-233663120 | $-331146640 |
| P/E Ratio → | 11.42 | 13.72 | 12.27 | 11.05 | 12.50 | 13.46 | 9.96 | 14.41 | 5.14 | 25.33 | — |
| P/S Ratio | 3.43 | 4.54 | 3.76 | 3.47 | 3.93 | 4.56 | 2.70 | 2.62 | 1.51 | 2.56 | 2.43 |
| P/B Ratio | 3.78 | 4.54 | 3.38 | 2.63 | 2.34 | 2.28 | 1.37 | 1.53 | 1.12 | 1.71 | 1.18 |
| P/FCF | 9.19 | 12.15 | 11.99 | 12.20 | 14.20 | 18.08 | 6.82 | 11.46 | — | — | — |
| P/OCF | 8.94 | 11.83 | 11.72 | 11.37 | 13.59 | 17.75 | 6.61 | 11.12 | — | — | — |
P/E links to full P/E history page with 30-year chart
TBBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
The Bancorp, Inc.'s enterprise value stands at 9.2x EBITDA, 28% above its 5-year average of 7.2x. The Financial Services sector median is 11.4x, placing the stock at a 19% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.14 | 3.13 | 2.02 | 2.08 | 3.18 | 2.04 | -0.52 | -0.15 | -1.08 | -2.29 |
| EV / EBITDA | 9.19 | 11.71 | 7.50 | 4.74 | 4.75 | 7.04 | 5.39 | -1.88 | -0.36 | -5.04 | — |
| EV / EBIT | 9.19 | 11.71 | 7.61 | 4.80 | 4.83 | 7.21 | 5.58 | -2.02 | -0.37 | -5.78 | — |
| EV / FCF | — | 13.76 | 9.98 | 7.08 | 7.51 | 12.62 | 5.16 | -2.26 | — | — | — |
TBBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
The Bancorp, Inc. earns an operating margin of 43.9%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from 42.0% to 43.9% over the past 3 years, signaling improving operational efficiency. Return on equity of 30.8% is exceptionally high — well above the sector median of 9.0%. ROIC of 22.4% represents excellent returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.3% | 74.3% | 69.8% | 73.2% | 83.9% | 95.6% | 92.5% | 85.0% | 89.8% | 91.6% | 89.2% |
| Operating Margin | 43.9% | 43.9% | 41.1% | 42.0% | 43.0% | 44.1% | 36.7% | 25.6% | 39.7% | 18.6% | -48.0% |
| Net Profit Margin | 33.1% | 33.1% | 30.6% | 31.4% | 31.5% | 33.9% | 27.1% | 18.2% | 29.4% | 10.0% | -66.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 30.8% | 30.8% | 27.2% | 25.6% | 19.3% | 17.9% | 15.0% | 11.6% | 24.3% | 7.0% | -31.1% |
| ROA | 2.5% | 2.5% | 2.6% | 2.5% | 1.8% | 1.7% | 1.3% | 1.0% | 1.9% | 0.5% | -2.0% |
| ROIC | 22.4% | 22.4% | 23.5% | 21.7% | 16.5% | 14.1% | 12.8% | 10.9% | 21.3% | 6.3% | -11.4% |
| ROCE | 6.0% | 6.0% | 29.1% | 27.1% | 20.5% | 17.1% | 15.2% | 12.9% | 24.8% | 7.7% | -14.6% |
TBBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The Bancorp, Inc. carries a Debt/EBITDA ratio of 1.4x, which is manageable (67% below the sector average of 4.3x). Net debt stands at $414M ($422M total debt minus $8M cash). Interest coverage of just 1.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.61 | 0.61 | 0.16 | 0.18 | 0.18 | 0.23 | 0.26 | 0.11 | 0.14 | 0.17 | 0.93 |
| Debt / EBITDA | 1.39 | 1.39 | 0.42 | 0.57 | 0.68 | 1.03 | 1.36 | 0.70 | 0.44 | 1.20 | — |
| Net Debt / Equity | — | 0.60 | -0.57 | -1.10 | -1.10 | -0.69 | -0.33 | -1.84 | -1.23 | -2.43 | -2.29 |
| Net Debt / EBITDA | 1.37 | 1.37 | -1.51 | -3.43 | -4.23 | -3.05 | -1.73 | -11.45 | -3.98 | -17.01 | — |
| Debt / FCF | — | 1.61 | -2.00 | -5.12 | -6.69 | -5.47 | -1.65 | -13.72 | — | — | — |
| Interest Coverage | 1.72 | 1.72 | 1.67 | 1.65 | 2.99 | 12.83 | 6.80 | 1.89 | 4.42 | 2.63 | -5.67 |
TBBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The Bancorp, Inc.'s current ratio of 8.66x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.38x to 8.66x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 8.66 | 8.66 | 0.18 | 0.38 | 0.33 | 0.35 | 0.37 | 0.54 | 0.56 | 0.59 | 0.61 |
| Quick Ratio | 8.66 | 8.66 | 0.18 | 0.38 | 0.33 | 0.35 | 0.37 | 0.54 | 0.56 | 0.59 | 0.61 |
| Cash Ratio | 0.04 | 0.04 | 0.07 | 0.16 | 0.13 | 0.10 | 0.06 | 0.19 | 0.14 | 0.20 | 0.23 |
| Asset Turnover | — | 0.07 | 0.08 | 0.08 | 0.05 | 0.05 | 0.05 | 0.05 | 0.07 | 0.05 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
TBBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
The Bancorp, Inc. returns 16.0% to shareholders annually primarily through share buybacks. The earnings yield of 8.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.8% | 7.3% | 8.2% | 9.1% | 8.0% | 7.4% | 10.0% | 6.9% | 19.5% | 3.9% | — |
| FCF Yield | 10.9% | 8.2% | 8.3% | 8.2% | 7.0% | 5.5% | 14.7% | 8.7% | — | — | — |
| Buyback Yield | 16.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 16.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $46M | $51M | $55M | $57M | $59M | $58M | $57M | $57M | $56M | $45M |
Peer Comparison
Compare TBBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TBBKYou | $2B | 11.4 | 9.2 | 9.2 | 74.3% | 43.9% | 30.8% | 22.4% | 1.4 |
 CUBI | $3B | 12.2 | 11.9 | 5.3 | 51.6% | 22.0% | 11.3% | 6.6% | 4.9 |
 INBK | $225M | -6.4 | — | 5.9 | 13.7% | -15.8% | -9.5% | -5.1% | — |
 AXON | $34B | 280.4 | 1651.5 | 454.4 | 59.7% | -2.2% | 4.5% | -1.3% | 90.6 |
 BFH | $5B | 9.3 | 7.9 | 2.3 | 63.3% | 13.1% | 16.2% | 5.6% | 6.3 |
 WSFS | $4B | 14.6 | 7.1 | 18.3 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 FFIN | $5B | 18.5 | 11.4 | 15.3 | 71.8% | 37.5% | 14.4% | 12.4% | 0.1 |
 GDOT | $723M | -7.1 | -4.5 | 10.9 | 24.5% | 2.7% | -11.2% | 4.4% | 0.5 |
 PRTH | $590M | 10.5 | 7.6 | 7.9 | 21.4% | 14.8% | — | 13.4% | 5.1 |
 EVTC | $2B | 11.7 | 7.8 | 11.7 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 CASS | $639M | 19.0 | 6.5 | 20.1 | 100.0% | 20.3% | 14.9% | — | 0.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 23 years · Updated daily
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TBBK — Frequently Asked Questions
Quick answers to the most common questions about buying TBBK stock.
What is The Bancorp, Inc.'s P/E ratio?
The Bancorp, Inc.'s current P/E ratio is 11.4x. The historical average is 21.3x. This places it at the 18th percentile of its historical range.
What is The Bancorp, Inc.'s EV/EBITDA?
The Bancorp, Inc.'s current EV/EBITDA is 9.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.1x.
What is The Bancorp, Inc.'s ROE?
The Bancorp, Inc.'s return on equity (ROE) is 30.8%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 7.4%.
Is TBBK stock overvalued?
Based on historical data, The Bancorp, Inc. is trading at a P/E of 11.4x. This is at the 18th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are The Bancorp, Inc.'s profit margins?
The Bancorp, Inc. has 74.3% gross margin and 43.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does The Bancorp, Inc. have?
The Bancorp, Inc.'s Debt/EBITDA ratio is 1.4x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.