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BANCORP INC/THE (TBBK) Stock Fundamental Analysis

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

61.065  +0 (+0.01%)

Fundamental Rating

4

Taking everything into account, TBBK scores 4 out of 10 in our fundamental rating. TBBK was compared to 405 industry peers in the Banks industry. While TBBK is still in line with the averages on profitability rating, there are concerns on its financial health. TBBK has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

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.
TBBK had positive earnings in 4 of the past 5 years.
In multiple years TBBK reported negative operating cash flow during the last 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 0 -200M -400M

1.2 Ratios

Looking at the Return On Assets, with a value of 2.54%, TBBK belongs to the top of the industry, outperforming 98.49% of the companies in the same industry.
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 RankSector 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
TBBK Yearly ROA, ROE, ROICTBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 20 -20 -30

1.3 Margins

TBBK has a better Profit Margin (41.69%) than 96.98% of its industry peers.
In the last couple of years the Profit Margin of TBBK has grown nicely.
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) 41.69%
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
TBBK Yearly Profit, Operating, Gross MarginsTBBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40 -40 -60

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3

2. Health

2.1 Basic Checks

TBBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for TBBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
TBBK Yearly Shares OutstandingTBBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 2B 4B 6B

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.
The Debt to FCF ratio of TBBK (0.74) is better than 81.66% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that TBBK is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.16, TBBK is in line with its industry, outperforming 59.05% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 0.74
Altman-Z N/A
ROIC/WACCN/A
WACC12.53%
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 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 2M 4M 6M 8M 10M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 22.86% over the past year.
The Earnings Per Share has been growing by 35.83% on average over the past years. This is a very strong growth
EPS 1Y (TTM)22.86%
EPS 3Y31.76%
EPS 5Y35.83%
EPS Q2Q%41.98%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%61.21%

3.2 Future

TBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.74% yearly.
TBBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.40% yearly.
EPS Next Y24.35%
EPS Next 2Y23.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.5%
Revenue Next 2Y10.4%
Revenue Next 3YN/A
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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 14.20 indicates a correct valuation of TBBK.
The rest of the industry has a similar Price/Earnings ratio as TBBK.
Compared to an average S&P500 Price/Earnings ratio of 28.46, TBBK is valued rather cheaply.
TBBK is valuated reasonably with a Price/Forward Earnings ratio of 11.42.
TBBK's Price/Forward Earnings ratio is in line with the industry average.
TBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 92.87.
Industry RankSector Rank
PE 14.2
Fwd PE 11.42
TBBK Price Earnings VS Forward Price EarningsTBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as TBBK.
Industry RankSector Rank
P/FCF 14.63
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.
A more expensive valuation may be justified as TBBK's earnings are expected to grow with 23.74% in the coming years.
PEG (NY)0.58
PEG (5Y)0.4
EPS Next 2Y23.74%
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 (2/3/2025, 2:27:24 PM)

61.065

+0 (+0.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/amc
Earnings (Next)N/A N/A
Inst Owners102.93%
Inst Owner Change-1.57%
Ins Owners4.64%
Ins Owner Change-1.43%
Market Cap2.93B
Analysts82.22
Price Target64.6 (5.79%)
Short Float %14.57%
Short Ratio12.95
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
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)6.15%
PT rev (3m)7.34%
EPS NQ rev (1m)-1.16%
EPS NQ rev (3m)-2.74%
EPS NY rev (1m)-0.31%
EPS NY rev (3m)-2.88%
Revenue NQ rev (1m)-1.16%
Revenue NQ rev (3m)-3.81%
Revenue NY rev (1m)11.04%
Revenue NY rev (3m)8.43%
Valuation
Industry RankSector Rank
PE 14.2
Fwd PE 11.42
P/S 5.93
P/FCF 14.63
P/OCF 14.3
P/B 3.59
P/tB 3.6
EV/EBITDA N/A
EPS(TTM)4.3
EY7.04%
EPS(NY)5.35
Fwd EY8.76%
FCF(TTM)4.17
FCFY6.83%
OCF(TTM)4.27
OCFY6.99%
SpS10.29
BVpS17.01
TBVpS16.98
PEG (NY)0.58
PEG (5Y)0.4
Profitability
Industry RankSector 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 RankSector 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
WACC12.53%
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)22.86%
EPS 3Y31.76%
EPS 5Y35.83%
EPS Q2Q%41.98%
EPS Next Y24.35%
EPS Next 2Y23.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%61.21%
Revenue Next Year10.5%
Revenue Next 2Y10.4%
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 1Y163.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y153.3%
OCF growth 3YN/A
OCF growth 5YN/A