The Bancorp, Inc. (TBBK)
Valuation Overview•Is The Bancorp, Inc. Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
High-quality fundamentals with a strong composite quality score of 76/100, backed by robust profitability and solvency.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street sentiment is generally neutral alongside robust expected earnings growth. This outlook is strongly supported by highly attractive capital returns, driven predominantly by aggressive share repurchases.
Returns capital exclusively via buybacks — no active dividend
TBBK exhibits elite business quality, driven by exceptional capital efficiency and highly lucrative margins (highlighted by a massive 22.4% ROIC). This is paired with a moderately leveraged but stable balance sheet.
The company maintains stable top-line performance paired with highly explosive earnings growth (29.4% EPS 3Y CAGR). This growth is supported by elite operational efficiency, sustaining an impressive 36.2% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $169.8M | -2.8% | — | — | +12.3% | |
| EBITDA | $75.0M | — | +18.8% | — | — | |
| Net Income | $56.3M | +4.9% | +20.6% | — | +32.7% | |
| EPS (Diluted) | $1.28 | +14.7% | +29.4% | +29.1% | +29.2% | |
| Free Cash Flow | -$36.8M | +15.8% | +31.1% | +17.1% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 62.5% | 72.4% | 79.4% | 84.5% |
| Operating Margin | 36.2% | 42.3% | 42.8% | 28.7% |
| Net Margin | 27.3% | 31.7% | 32.1% | 17.8% |
| FCF Margin | 31.0% | 32.4% | 30.0% | 2.3% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.34 | $1.41 | +5.2% | ||
| Q1'26 | $1.46 | $1.28 | -12.3% | ||
| Q4'25 | $1.33 | $1.18 | -11.3% | ||
| Q3'25 | $1.28 | $1.27 | -0.8% | ||
| Q2'25 | $1.24 | $1.19 | -4.0% | ||
| Q1'25 | $1.13 | $1.15 | +1.8% | ||
| Q4'24 | $1.13 | $1.04 | -8.0% | ||
| Q3'24 | $1.07 | $1.05 | -1.9% |
Total return is +10.8% (1Y), lagging the benchmark by -14.2%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -17.0% | -26.3% | — |
| 1Y | +10.8% | -14.2% | — |
| 3YCAGR | +18.0% | -2.1% | — |
| 5YCAGR | +19.8% | +4.4% | — |
| 10YCAGR | +23.7% | +10.3% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about The Bancorp, Inc. (TBBK) valuation, health, and returns.
The Bancorp, Inc. is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Fair versus peers compared to industry peers. trading near fair value (DCF: $51.22)
The Bancorp, Inc. has multiple valuation anchors: DCF Intrinsic Value: $51.22 | Peer Relative Fair Value: $58.66 | Wall Street Analyst Target: $58.00 (implying +3.3% upside). A convergence of these signals offers higher conviction.
The Bancorp, Inc. displays good financial health with a composite quality score of 76/100, supported by a Piotroski F-Score of 6/9, Return on Invested Capital (ROIC) of 22.4%.
The Bancorp, Inc. returns capital via buybacks instead of dividends, carrying a 16.0% buyback yield and reducing outstanding shares by -8.5% in the last 12 months.
The Bancorp, Inc.'s current growth trajectory is Decelerating. The company achieved -2.8% 1Y revenue growth and +14.7% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 7 analysts, beating EPS expectations in 25% of recent quarters with a 1-quarter streak. The consensus price target represents a +3.3% change from current levels.
Investment risks for The Bancorp, Inc. include: -35.9% 1-year max drawdown. Volatility risk is characterized by a beta of 1.28x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.