The Bancorp, Inc.

Valuation Analysis

About the Company

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, money market, and commercial accounts. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; financing to investment advisors; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card loans, payroll advances, and others. In addition, it offers automated clearing house (ACH)

The Bancorp, Inc. Stock at a Glance

The Bancorp, Inc. (TBBK) is currently trading at $57.46 with a market capitalization of $2.4B. The trailing P/E ratio stands at 11.18x, with a forward P/E of 7.12x. The 52-week range spans from $49.66 to $81.65; the current price is 29.6% below the yearly high. Year-over-year revenue growth stands at +4.1%. The net profit margin stands at 43.49%.

💰 Dividend

The Bancorp, Inc. currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Analyst Rating

3 analysts rate The Bancorp, Inc. (TBBK) on consensus: None. The average price target is $72.67, implying +26.46% from the current price. Analyst price targets range from $70.00 to $76.00.

The Bancorp, Inc.: The Investment Case in Detail

The Bancorp, Inc. (TBBK) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Return on equity of 30.28% places management among the most capital-efficient operators in the public market — every euro of shareholder capital is working hard. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Revenue growth has slowed to just 4.1%, which is below nominal GDP — the business is no longer outgrowing the broader economy. Short interest sits at 13.28% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong.

Valuation in Context

The PEG ratio at 1.07 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The forward P/E of 7.12x is meaningfully below the trailing 11.18x — analysts expect earnings to step up; the next earnings release is the test.
• The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
• The analyst consensus price target implies 26.46% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

The price is in a transition zone relative to the moving averages — no clear signal.

Risk Profile

The data points to market-like volatility, elevated short interest (13.28%).

Trading Data

Related Stocks in the Same Sector

Where can I buy The Bancorp, Inc.?

Compare top-rated brokers — low fees, trusted providers, fully regulated.