Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
The Bancorp, Inc.'s quarterly P/E stands at 13.2x, up 15.3% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 65.8% YoY to 11.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.55 | 13.19 | 15.87 | 11.21 | 11.10 | 11.44 | 12.86 | 8.99 | 7.89 | 11.90 | 9.38 | 9.17 | 7.91 |
| — | +15.3% | +23.4% | +24.7% | +40.7% | -3.9% | +37.2% | -2.0% | -0.3% | +19.1% | -7.9% | -0.4% | -44.1% | |
| P/S Ratio | 3.47 | 4.38 | 4.08 | 2.99 | 2.84 | 3.30 | 3.85 | 2.88 | 2.70 | 3.51 | 3.03 | 2.90 | 2.58 |
| — | +32.6% | +5.8% | +3.5% | +5.0% | -5.8% | +27.2% | -0.5% | +4.6% | +15.8% | +3.9% | -7.4% | -49.2% | |
| P/B Ratio | 3.83 | 4.31 | 4.54 | 3.15 | 3.05 | 3.24 | 3.25 | 2.49 | 2.18 | 2.59 | 2.44 | 2.41 | 2.15 |
| — | +33.1% | +39.9% | +26.3% | +39.8% | +25.2% | +33.0% | +3.6% | +1.5% | +11.9% | +29.3% | +41.0% | -14.7% | |
| P/FCF | 9.30 | — | 10.88 | 7.97 | 4.86 | 7.48 | 13.46 | 32.17 | 6.06 | 8.56 | 9.38 | 19.13 | 9.89 |
| — | — | -19.2% | -75.2% | -19.8% | -12.6% | +43.5% | +68.2% | -38.7% | +11.0% | -22.0% | +39.0% | -58.3% | |
| EV / EBITDA | 9.28 | 11.30 | 12.36 | 7.72 | 5.36 | 6.82 | 9.80 | 5.75 | 2.25 | 4.97 | 4.13 | 3.89 | 3.41 |
| — | +65.8% | +26.1% | +34.2% | +138.6% | +37.1% | +137.5% | +47.8% | -34.2% | +34.9% | +4.6% | -50.3% | -52.6% | |
| EV / EBIT | 9.28 | 11.30 | 12.56 | 7.83 | 5.44 | 6.92 | 9.92 | 5.85 | 2.27 | 5.06 | 4.15 | 3.94 | 3.45 |
| — | +63.4% | +26.6% | +33.8% | +139.1% | +36.6% | +138.8% | +48.6% | -34.2% | +35.6% | +3.4% | -50.7% | -53.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
The Bancorp, Inc.'s operating margin was 44.2% in Q4 2025, up 10.4 pp QoQ and up 4.7 pp YoY. The trailing four-quarter average of 36.7% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 14.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.3% | 75.6% | 59.8% | 60.3% | 57.5% | 66.2% | 71.2% | 73.4% | 73.6% | 70.3% | 73.1% | 74.6% | 74.7% |
| — | +14.3% | -16.1% | -17.8% | -21.9% | -5.9% | -2.6% | -1.7% | -1.4% | -6.4% | -10.0% | -20.4% | -20.9% | |
| Operating Margin | 43.9% | 44.2% | 33.7% | 35.1% | 33.7% | 39.4% | 40.2% | 42.7% | 45.4% | 39.7% | 42.7% | 42.5% | 42.9% |
| — | +12.0% | -16.1% | -17.9% | -25.8% | -0.8% | -5.8% | +0.5% | +5.7% | -6.3% | +7.9% | -7.4% | -8.8% | |
| Net Margin | 33.1% | 33.1% | 25.3% | 26.4% | 25.6% | 28.9% | 30.0% | 32.0% | 34.2% | 29.5% | 32.2% | 31.5% | 32.5% |
| — | +14.9% | -15.6% | -17.5% | -25.1% | -2.3% | -6.8% | +1.5% | +5.1% | -2.6% | +12.9% | -7.3% | -9.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 30.8% | 7.7% | 6.7% | 7.1% | 7.1% | 7.0% | 6.5% | 6.7% | 6.9% | 5.6% | 6.6% | 6.6% | 6.9% |
| — | +10.1% | +3.6% | +5.1% | +1.6% | +25.1% | -1.7% | +1.3% | +0.4% | -6.0% | +42.0% | +43.1% | +55.9% | |
| ROA | 2.5% | 0.6% | 0.6% | 0.7% | 0.6% | 0.7% | 0.6% | 0.7% | 0.7% | 0.6% | 0.7% | 0.6% | 0.6% |
| — | -5.7% | -0.7% | -1.8% | -12.6% | +14.6% | -5.0% | +3.3% | +14.0% | +13.0% | +62.5% | +51.0% | +52.3% | |
| ROIC | 22.4% | 5.3% | 5.5% | 6.2% | 6.0% | 6.1% | 5.5% | 5.7% | 5.9% | 4.8% | 5.7% | 5.8% | 5.8% |
| — | -12.8% | +0.8% | +8.1% | +3.3% | +27.0% | -3.1% | -1.5% | +0.1% | -7.0% | +78.6% | +87.4% | +64.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The Bancorp, Inc.'s Debt/EBITDA ratio is 5.6x, up from 3.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 4820.1% YoY to 8.66x, strengthening the short-term liquidity position. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.61 | 0.61 | 0.29 | 0.14 | 0.15 | 0.16 | 0.18 | 0.19 | 0.18 | 0.18 | 0.15 | 0.16 | 0.17 |
| — | +291.0% | +58.4% | -24.4% | -17.6% | -14.5% | +17.7% | +19.7% | +7.1% | +3.8% | -32.5% | -80.6% | -27.3% | |
| Debt / EBITDA | 1.39 | 5.63 | 3.00 | 1.53 | 1.62 | 1.60 | 2.11 | 2.02 | 1.95 | 2.45 | 1.78 | 1.78 | 1.86 |
| — | +253.0% | +42.2% | -24.3% | -16.8% | -34.9% | +18.8% | +13.9% | +4.4% | +14.1% | -49.2% | -86.1% | -52.0% | |
| Current Ratio | 8.66 | 8.66 | 0.11 | 0.33 | 0.22 | 0.18 | 0.34 | 0.38 | 0.39 | 0.38 | 0.36 | 0.35 | 0.34 |
| — | +4820.1% | -67.5% | -14.0% | -44.8% | -53.1% | -5.2% | +7.6% | +16.1% | +13.9% | +17.5% | +25.4% | -1.7% | |
| Quick Ratio | 8.66 | 8.66 | 0.11 | 0.33 | 0.22 | 0.18 | 0.34 | 0.38 | 0.39 | 0.38 | 0.36 | 0.35 | 0.34 |
| — | +4820.1% | -67.5% | -14.0% | -44.8% | -53.1% | -5.2% | +7.6% | +16.1% | +13.9% | +17.5% | +25.4% | -1.7% | |
| Interest Coverage | 1.72 | 1.88 | 1.73 | 1.74 | 1.57 | 1.72 | 1.50 | 1.65 | 1.81 | 1.48 | 1.66 | 1.69 | 1.78 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying TBBK stock.
The Bancorp, Inc.'s current P/E is 11.6x. The average P/E over the last 4 quarters is 12.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The Bancorp, Inc.'s current operating margin is 43.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking The Bancorp, Inc.'s business trajectory between earnings reports.