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BANCORP INC/THE (TBBK) Stock Fundamental Analysis

NASDAQ:TBBK - Nasdaq - US05969A1051 - Common Stock - Currency: USD

49.69  +1.31 (+2.71%)

After market: 46.96 -2.73 (-5.49%)

Fundamental Rating

5

TBBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. TBBK has only an average score on both its financial health and profitability. TBBK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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5

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.
TBBK had a positive operating cash flow in 4 of the past 5 years.
TBBK Yearly Net Income VS EBIT VS OCF VS FCFTBBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

Looking at the Return On Assets, with a value of 2.49%, TBBK belongs to the top of the industry, outperforming 97.74% of the companies in the same industry.
Looking at the Return On Equity, with a value of 27.54%, TBBK belongs to the top of the industry, outperforming 99.50% of the companies in the same industry.
Industry RankSector Rank
ROA 2.49%
ROE 27.54%
ROIC N/A
ROA(3y)2.21%
ROA(5y)1.91%
ROE(3y)23.38%
ROE(5y)20.17%
ROIC(3y)N/A
ROIC(5y)N/A
TBBK Yearly ROA, ROE, ROICTBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

1.3 Margins

TBBK has a better Profit Margin (41.62%) than 96.98% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 41.62%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.86%
PM growth 5Y14.63%
GM growth 3YN/A
GM growth 5YN/A
TBBK Yearly Profit, Operating, Gross MarginsTBBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 -60

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5

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
The number of shares outstanding for TBBK has been reduced compared to 5 years ago.
Compared to 1 year ago, TBBK has an improved debt to assets ratio.
TBBK Yearly Shares OutstandingTBBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
TBBK Yearly Total Debt VS Total AssetsTBBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of TBBK is 0.55, which is an excellent value as it means it would take TBBK, only 0.55 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of TBBK (0.55) is better than 83.42% of its industry peers.
TBBK has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
TBBK has a better Debt to Equity ratio (0.02) than 86.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.55
Altman-Z N/A
ROIC/WACCN/A
WACC13.71%
TBBK Yearly LT Debt VS Equity VS FCFTBBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TBBK Yearly Current Assets VS Current LiabilitesTBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2021 2022 2023 2024 20M 40M 60M 80M 100M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.14% over the past year.
The Earnings Per Share has been growing by 33.14% on average over the past years. This is a very strong growth
The Revenue has grown by 12.14% 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 16.33% yearly.
EPS 1Y (TTM)11.14%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%-8.64%
Revenue 1Y (TTM)12.14%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%2.32%

3.2 Future

The Earnings Per Share is expected to grow by 30.89% on average over the next years. This is a very strong growth
Based on estimates for the next years, TBBK will show a small growth in Revenue. The Revenue will grow by 6.14% on average per year.
EPS Next Y38.55%
EPS Next 2Y30.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.1%
Revenue Next 2Y6.14%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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.
TBBK Yearly Revenue VS EstimatesTBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
TBBK Yearly EPS VS EstimatesTBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.77, the valuation of TBBK can be described as correct.
TBBK's Price/Earnings ratio is in line with the industry average.
TBBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.
With a Price/Forward Earnings ratio of 9.22, the valuation of TBBK can be described as very reasonable.
Based on the Price/Forward Earnings ratio, TBBK is valued a bit cheaper than 65.08% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TBBK to the average of the S&P500 Index (21.65), we can say TBBK is valued rather cheaply.
Industry RankSector Rank
PE 12.77
Fwd PE 9.22
TBBK Price Earnings VS Forward Price EarningsTBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TBBK is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.61
EV/EBITDA N/A
TBBK Per share dataTBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 30.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)0.39
EPS Next 2Y30.89%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

TBBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BANCORP INC/THE

NASDAQ:TBBK (4/24/2025, 8:00:00 PM)

After market: 46.96 -2.73 (-5.49%)

49.69

+1.31 (+2.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners106.06%
Inst Owner Change0.18%
Ins Owners4.86%
Ins Owner Change-0.04%
Market Cap2.38B
Analysts82.22
Price Target70.38 (41.64%)
Short Float %13.64%
Short Ratio12.49
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/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)-22.73%
Min EPS beat(2)-36.06%
Max EPS beat(2)-9.39%
EPS beat(4)0
Avg EPS beat(4)-12.61%
Min EPS beat(4)-36.06%
Max EPS beat(4)-1.53%
EPS beat(8)1
Avg EPS beat(8)-7.16%
EPS beat(12)2
Avg EPS beat(12)-5.4%
EPS beat(16)6
Avg EPS beat(16)-2.24%
Revenue beat(2)0
Avg Revenue beat(2)-5.97%
Min Revenue beat(2)-7.47%
Max Revenue beat(2)-4.46%
Revenue beat(4)0
Avg Revenue beat(4)-9.28%
Min Revenue beat(4)-20.55%
Max Revenue beat(4)-4.46%
Revenue beat(8)1
Avg Revenue beat(8)-4.56%
Revenue beat(12)5
Avg Revenue beat(12)10.83%
Revenue beat(16)9
Avg Revenue beat(16)20.04%
PT rev (1m)0%
PT rev (3m)15.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.67%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)0.48%
Revenue NQ rev (1m)-1.21%
Revenue NQ rev (3m)-3.67%
Revenue NY rev (1m)-1.33%
Revenue NY rev (3m)-15.41%
Valuation
Industry RankSector Rank
PE 12.77
Fwd PE 9.22
P/S 4.56
P/FCF 10.61
P/OCF 10.38
P/B 3.02
P/tB 3.02
EV/EBITDA N/A
EPS(TTM)3.89
EY7.83%
EPS(NY)5.39
Fwd EY10.85%
FCF(TTM)4.68
FCFY9.42%
OCF(TTM)4.79
OCFY9.63%
SpS10.9
BVpS16.47
TBVpS16.44
PEG (NY)0.33
PEG (5Y)0.39
Profitability
Industry RankSector Rank
ROA 2.49%
ROE 27.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.62%
GM N/A
FCFM 42.96%
ROA(3y)2.21%
ROA(5y)1.91%
ROE(3y)23.38%
ROE(5y)20.17%
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 3Y5.86%
PM growth 5Y14.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.55
Debt/EBITDA N/A
Cap/Depr 119.71%
Cap/Sales 0.95%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 103.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC13.71%
ROIC/WACCN/A
Cap/Depr(3y)213.24%
Cap/Depr(5y)156.51%
Cap/Sales(3y)1.7%
Cap/Sales(5y)1.38%
Profit Quality(3y)94.25%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.14%
EPS 3Y27.43%
EPS 5Y33.14%
EPS Q2Q%-8.64%
EPS Next Y38.55%
EPS Next 2Y30.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)12.14%
Revenue growth 3Y18.32%
Revenue growth 5Y16.33%
Sales Q2Q%2.32%
Revenue Next Year4.1%
Revenue Next 2Y6.14%
Revenue Next 3YN/A
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 1Y29.03%
FCF growth 3Y39.68%
FCF growth 5YN/A
OCF growth 1Y22.93%
OCF growth 3Y39.86%
OCF growth 5YN/A