BANCORP INC/THE (TBBK)
US05969A1051 - Common Stock
We assign a fundamental rating of 5 out of 10 to TBBK. TBBK was compared to 404 industry peers in the Banks industry. TBBK has only an average score on both its financial health and profitability. TBBK is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
TBBK had positive earnings in the past year.
TBBK had a positive operating cash flow in the past year.
In the past 5 years TBBK has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: TBBK reported negative operating cash flow in multiple years.
1.2 Ratios
TBBK has a better Return On Assets (2.54%) than 98.25% of its industry peers.
TBBK's Return On Equity of 25.22% is amongst the best of the industry. TBBK outperforms 99.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 25.22% | ||
| ROIC | N/A |
ROA(3y)1.92%
ROA(5y)1.59%
ROE(3y)19.85%
ROE(5y)16.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With an excellent Profit Margin value of 41.69%, TBBK belongs to the best of the industry, outperforming 97.01% of the companies in the same industry.
TBBK's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for TBBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 41.69% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.91%
PM growth 5Y5.01%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
TBBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TBBK has been reduced compared to 1 year ago.
The number of shares outstanding for TBBK has been reduced compared to 5 years ago.
TBBK has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of TBBK is 0.74, which is an excellent value as it means it would take TBBK, only 0.74 years of fcf income to pay off all of its debts.
TBBK's Debt to FCF ratio of 0.74 is amongst the best of the industry. TBBK outperforms 80.55% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that TBBK is not too dependend on debt financing.
TBBK has a Debt to Equity ratio of 0.16. This is in the better half of the industry: TBBK outperforms 61.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.47% over the past year.
The Earnings Per Share has been growing by 36.08% on average over the past years. This is a very strong growth
The Revenue has grown by 9.75% in the past year. This is quite good.
TBBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.16% yearly.
EPS 1Y (TTM)16.47%
EPS 3Y36.37%
EPS 5Y36.08%
EPS Q2Q%13.04%
Revenue 1Y (TTM)9.75%
Revenue growth 3Y18.59%
Revenue growth 5Y11.16%
Sales Q2Q%5.46%
3.2 Future
TBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.44% yearly.
TBBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.23% yearly.
EPS Next Y25.11%
EPS Next 2Y23.8%
EPS Next 3Y23.44%
EPS Next 5YN/A
Revenue Next Year7.86%
Revenue Next 2Y7.89%
Revenue Next 3Y8.23%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.12, TBBK is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of TBBK is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 28.96. TBBK is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.42, which indicates a very decent valuation of TBBK.
TBBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TBBK is cheaper than 77.56% of the companies in the same industry.
TBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.12 | ||
| Fwd PE | 10.42 |
4.2 Price Multiples
TBBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TBBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TBBK's earnings are expected to grow with 23.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.56
PEG (5Y)0.39
EPS Next 2Y23.8%
EPS Next 3Y23.44%
5. Dividend
5.1 Amount
No dividends for TBBK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BANCORP INC/THE
NASDAQ:TBBK (11/21/2024, 8:00:01 PM)
After market: 55.9 0 (0%)55.9
+0.92 (+1.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.68B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.12 | ||
| Fwd PE | 10.42 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.56
PEG (5Y)0.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 25.22% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 41.69% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)16.47%
EPS 3Y36.37%
EPS 5Y
EPS Q2Q%
EPS Next Y25.11%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9.75%
Revenue growth 3Y18.59%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y