BANCORP INC/THE (TBBK)
US05969A1051 - Common Stock
Overall TBBK gets a fundamental rating of 5 out of 10. We evaluated TBBK against 407 industry peers in the Banks industry. TBBK has an average financial health and profitability rating. TBBK is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
TBBK had positive earnings in the past year.
In the past year TBBK had a positive cash flow from operations.
TBBK had positive earnings in each of the past 5 years.
In multiple years TBBK reported negative operating cash flow during the last 5 years.
1.2 Ratios
TBBK has a better Return On Assets (2.54%) than 98.52% of its industry peers.
Looking at the Return On Equity, with a value of 25.22%, TBBK belongs to the top of the industry, outperforming 99.75% of the companies in the same industry.
| 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 96.79% of the companies in the same industry.
TBBK's Profit Margin has improved in the last couple of years.
TBBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 1 year ago, TBBK has less shares outstanding
TBBK has less shares outstanding than it did 5 years ago.
The debt/assets ratio for TBBK is higher compared to a year ago.
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 has a better Debt to FCF ratio (0.74) than 81.98% of its industry peers.
TBBK has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
TBBK has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 0.74 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13%
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.
TBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 36.08% yearly.
Looking at the last year, TBBK shows a quite strong growth in Revenue. The Revenue has grown by 9.75% in the last year.
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
Based on estimates for the next years, TBBK will show a very strong growth in Earnings Per Share. The EPS will grow by 23.45% on average per year.
Based on estimates for the next years, TBBK will show a quite strong growth in Revenue. The Revenue will grow by 8.23% on average per year.
EPS Next Y25.11%
EPS Next 2Y23.8%
EPS Next 3Y23.45%
EPS Next 5YN/A
Revenue Next Year7.86%
Revenue Next 2Y7.89%
Revenue Next 3Y8.23%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
A Price/Earnings ratio of 13.40 indicates a correct valuation of TBBK.
TBBK's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of TBBK to the average of the S&P500 Index (27.20), we can say TBBK is valued rather cheaply.
The Price/Forward Earnings ratio is 9.90, which indicates a very decent valuation of TBBK.
Based on the Price/Forward Earnings ratio, TBBK is valued a bit cheaper than 75.80% 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 23.73.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.4 | ||
| Fwd PE | 9.9 |
4.2 Price Multiples
TBBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.72 | ||
| 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 23.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)0.37
EPS Next 2Y23.8%
EPS Next 3Y23.45%
5. Dividend
5.1 Amount
No dividends for TBBK!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BANCORP INC/THE
NASDAQ:TBBK (12/23/2024, 11:05:03 AM)
53.08
-0.23 (-0.43%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners102.93%
Inst Owner Change-2.3%
Ins Owners4.64%
Ins Owner Change-1.43%
Market Cap2.54B
Analysts82.22
Price Target59.5 (12.09%)
Short Float %14.59%
Short Ratio11.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.43%
Min EPS beat(2)-9.39%
Max EPS beat(2)-3.46%
EPS beat(4)0
Avg EPS beat(4)-7.77%
Min EPS beat(4)-16.7%
Max EPS beat(4)-1.53%
EPS beat(8)1
Avg EPS beat(8)-2.73%
EPS beat(12)3
Avg EPS beat(12)-2.38%
EPS beat(16)7
Avg EPS beat(16)0.64%
Revenue beat(2)0
Avg Revenue beat(2)-6.05%
Min Revenue beat(2)-7.47%
Max Revenue beat(2)-4.62%
Revenue beat(4)0
Avg Revenue beat(4)-8.24%
Min Revenue beat(4)-20.55%
Max Revenue beat(4)-0.33%
Revenue beat(8)2
Avg Revenue beat(8)0.77%
Revenue beat(12)6
Avg Revenue beat(12)15.64%
Revenue beat(16)10
Avg Revenue beat(16)23.43%
PT rev (1m)-1.13%
PT rev (3m)2.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.96%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.4 | ||
| Fwd PE | 9.9 | ||
| P/S | 5.16 | ||
| P/FCF | 12.72 | ||
| P/OCF | 12.43 | ||
| P/B | 3.12 | ||
| P/tB | 3.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.96
EY7.46%
EPS(NY)5.36
Fwd EY10.11%
FCF(TTM)4.17
FCFY7.86%
OCF(TTM)4.27
OCFY8.04%
SpS10.29
BVpS17.01
TBVpS16.98
PEG (NY)0.53
PEG (5Y)0.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.54% | ||
| ROE | 25.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.69% | ||
| GM | N/A | ||
| FCFM | 40.54% |
ROA(3y)1.92%
ROA(5y)1.59%
ROE(3y)19.85%
ROE(5y)16.8%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 0.74 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 110.99% | ||
| Cap/Sales | 0.94% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 97.25% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13%
ROIC/WACCN/A
Cap/Depr(3y)188.49%
Cap/Depr(5y)140.26%
Cap/Sales(3y)1.55%
Cap/Sales(5y)1.35%
Profit Quality(3y)84.65%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.47%
EPS 3Y36.37%
EPS 5Y36.08%
EPS Q2Q%13.04%
EPS Next Y25.11%
EPS Next 2Y23.8%
EPS Next 3Y23.45%
EPS Next 5YN/A
Revenue 1Y (TTM)9.75%
Revenue growth 3Y18.59%
Revenue growth 5Y11.16%
Sales Q2Q%5.46%
Revenue Next Year7.86%
Revenue Next 2Y7.89%
Revenue Next 3Y8.23%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y163.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y153.3%
OCF growth 3YN/A
OCF growth 5YN/A