The Bancorp, Inc.
$52.04
-4.5%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.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 10.4).
Valuation inputs: P/E 10.4, earnings yield +9.6%, momentum -4.5%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is strong (ROE +33.1%, ROIC +19.2%).
Profitability stack: net margin +33.1%, ROE +33.1%, ROIC +19.2%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +92.6%, momentum -4.5%, net margin +33.1%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
The Bancorp, Inc. Market vs Earnings Trajectory
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The Bancorp, Inc. Fair Value Envelope
The Bancorp, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
The Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
The Bancorp, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Financial Health Insight
Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.
The Bancorp, Inc. Street Expectations Map
Wall Street analysts project that TBBK stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 58.00, with estimates ranging from a low of 57.00 to a high of 60.00.
The consensus 1-year price target stands at 58.00, with estimates ranging from a low of 57.00 to a high of 60.00.
Analyst Consensus Analysis
Upside Potential
Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
The Bancorp, Inc. Insider Positioning
During the last 12 months, insiders have purchased $1.14M and sold $27.79M worth of TBBK shares, resulting in $26.65M of net selling activity.
3 Months
1.8K
103.94K
17.4K
1.01M
-911K
-$911K
3-6 Months
9.8K
584.26K
0
0.00
+584K
+$584K
6-9 Months
5.1K
319.79K
22.4K
1.69M
-1.4M
-$1.37M
9-12 Months
2.1K
135.21K
393.1K
25.08M
-24.9M
-$24.95M
Top Buyers
Canuso Dominic C
Officer: Evp & Chief Financial Officer
$458K
Cohn Matthew
Director
$384K
Tryniski Mark E
Director
$301K
Top Sellers
Kozlowski Damian
Director, Officer: Chief Executive Officer
$19.26M
Leto John
Officer: Evp Head Of Institutional Bank
$3.02M
Derowe Olek
Officer: Evp Head Commercial Re
$1.92M
Harris Ryan
Officer: Evp Head Of Fintech Solutions
$991K
Garry Gregor J
Officer: Evp And Coo
$978K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $26.65M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider sellers vs. 3 buyers. More insiders selling than buying suggests cautious or negative sentiment.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
No Dividend Yield Data
TBBK has not reported any dividend yield values in the available annual periods.
tbbk Dividend History
Learning Layer
Related Guides
Build conviction on TBBK by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.