Bancorp (TBBK) AI Stock Analysis

• Market Cap: $2.26B
• Dividend Yield: N/A
• Average Volume (3M): 753.96K
• Price to Earnings (P/E): 10.0
• Beta (1Y): 1.34
• Revenue Growth: 11.72%
• EPS Growth: 23.37%
• Country: US
• Employees: 771
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 4.29
• Shares Outstanding: 48,067,177
• 10 Day Avg. Volume: 1,012,573
• 30 Day Avg. Volume: 753,959
• PEG Ratio: 0.43
• Price to Book (P/B): N/A
• Price to Sales (P/S): 5.35
• Price to Cash Flow (P/CF): 12.90
• P/FCF Ratio: 7.80
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $69.00
• Price Target Upside: 58.15% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

Bancorp's strong financial performance and impressive earnings call highlight its growth potential, particularly in the fintech sector. While technical indicators suggest caution, and valuation is moderate, the company's robust guidance and strategic initiatives position it well for future growth.

Bancorp Business Overview & Revenue Model

Company Description

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking, savings, money market, and commercial accounts; and prepaid and debit cards. It also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; institutional banking services; vehicle fleet, other equipment leasing, and commercial fleet leasing services consist of commercial vehicles, including trucks and special purpose vehicles, and equipment; and real estate bridge lending, as well as small business administration, commercial mortgage-backed, and commercial real estate loans. The company offers private label banking; credit and debit card payment processing services for independent service organizations; and internet banking services. The Bancorp, Inc. was incorporated in 1999 and is headquartered in Wilmington, Delaware.

How the Company Makes Money

The Bancorp makes money by leveraging its banking platform to offer a variety of financial products and services. Key revenue streams include fees and interest from its payments and card services, including prepaid cards and credit card issuing services. The company also generates income through interest income on loans and investment securities. Bancorp's strategic partnerships with fintech companies and other non-bank entities enable it to broaden its service offerings and capture a larger market share in the financial services industry. Additionally, it earns revenue from its health savings account services and institutional banking activities. These diverse income streams allow Bancorp to maintain a robust financial position in the evolving banking landscape.

Bancorp Financial Statement Overview

Summary

Bancorp exhibits significant revenue growth and improved net profit margins, indicating strong financial health. The balance sheet is stable with low leverage, and cash flows are well-managed. However, the absence of EBIT in 2024 and negative investing cash flow are minor concerns.

Income Statement

Bancorp has demonstrated strong revenue growth over the years, with a notable increase in total revenue from $279.5M in 2020 to $447.8M in 2023. The company maintains a consistent gross profit margin, as gross profit equals total revenue. Net profit margin has also improved substantially, reflecting efficient cost management and profitability. However, EBIT is not available for 2024, limiting a complete analysis of operational efficiency.

Balance Sheet

Bancorp's balance sheet shows growing stockholders' equity, increasing from $652.5M in 2021 to $789.8M in 2024, indicating strong shareholder value. The debt-to-equity ratio is low due to negligible total debt, which suggests a solid financial position with minimal leverage risk. However, the equity ratio shows a slight decrease, which might suggest a slower growth in equity compared to total assets.

Cash Flow

The operating cash flow has improved over time, showcasing healthy cash generation from operations. The free cash flow growth rate is positive, indicating effective capital management. However, the negative investing cash flow, particularly in 2024, could suggest high capital expenditures or investments which may need monitoring. The free cash flow to net income ratio is robust, indicating strong cash flow relative to earnings.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
146.48M	447.82M	354.52M	315.63M	279.48M
	Gross Profit
146.48M	447.82M	354.52M	315.63M	279.48M
	EBIT
-337.42M	279.59M	239.15M	144.38M	107.77M
	EBITDA
0.00	0.00	181.21M	147.47M	112.04M
	Net Income Common Stockholders
217.54M	192.30M	130.21M	110.65M	80.08M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.51B	4.82M	1.65B	1.56B	1.55B
	Total Assets
8.73B	7.71B	7.90B	6.84B	6.28B
	Total Debt
123.70M	147.82M	122.48M	151.60M	151.99M
	Net Debt
-6.06M	143.00M	-765.71M	-450.18M	-193.52M
	Total Liabilities
7.94B	6.90B	7.21B	151.60M	151.99M
	Stockholders Equity
789.78M	807.28M	694.03M	652.45M	581.16M
Cash Flow		Free Cash Flow
229.53M	174.03M	115.85M	82.34M	-515.92M
	Operating Cash Flow
229.53M	186.72M	120.98M	83.89M	-512.18M
	Investing Cash Flow
-1.51B	415.55M	-828.10M	-305.90M	-595.79M
	Financing Cash Flow
812.74M	-452.37M	993.52M	478.28M	509.02M

Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 43.63
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TBBK, the sentiment is Negative. The current price of 43.63 is below the 20-day moving average (MA) of 50.67, below the 50-day MA of 54.36, and below the 200-day MA of 52.26, indicating a bearish trend. The MACD of -0.44 indicates Negative momentum. The RSI at 47.57 is Neutral, neither overbought nor oversold. The STOCH value of 27.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TBBK.

Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FRME	76 Outperform	$2.03B	10.16	8.85%	4.04%	5.54%	-8.57%
TBBK	75 Outperform	$2.26B	10.00	27.24%	―	11.72%	23.37%
PFS	72 Outperform	$2.07B	15.10	5.38%	6.47%	63.85%	-39.11%
FFBC	71 Outperform	$2.23B	9.73	9.72%	4.29%	9.95%	-11.02%
WAFD	68 Neutral	$2.00B	11.31	6.90%	4.29%	29.57%	-36.51%
Sector *	64 Neutral	$13.21B	9.26	9.39%	4.87%	16.14%	-8.87%
BANC	60 Neutral	$2.05B	23.42	3.68%	3.31%	345.02%	―

Bancorp Corporate Events

Bancorp Announces CFO Retirement and Interim Appointment

On March 28, 2025, The Bancorp, Inc. announced the retirement of Paul Frenkiel, its Chief Financial Officer, who will transition to a consulting role until the end of the year. Martin Egan, the current Chief Accounting Officer, has been appointed as Interim CFO while the company continues its search for a permanent successor.

Bancorp Reports Strong Q4 2024 Earnings Growth

On December 31, 2024, The Bancorp Bank, a subsidiary of The Bancorp, Inc., completed the sale of an $82 million real estate bridge loan portfolio, contributing to a 14% reduction in substandard loans. The company reported a 42% increase in earnings per share for Q4 2024 compared to the previous year, driven by share repurchases and organic growth in prepaid and debit card usage. Despite a slight decrease in net interest margin, the company maintained a strong capital position and reported an increase in both net interest income and loan volumes.