The Bancorp, Inc. (TBBK) AI Stock Analysis

The Bancorp, Inc. operates through its subsidiary, The Bancorp Bank, delivering banking products and services nationwide. The company provides deposit accounts such as checking, savings, money market, and commercial accounts to individuals and corporations. It offers prepaid and debit card programs alongside payment processing solutions for independent service organizations. Its specialized lending activities encompass securities-backed and insurance policy cash value-backed lines of credit, commercial vehicle and equipment leasing, real estate bridge lending, small business administration loans, commercial mortgage-backed loans, and commercial real estate financing.

The Bancorp expanded revenue from $326.9M in FY2021 to $710.1M in FY2024, achieving a 5-year revenue CAGR of 18.5% from FY2020 to FY2025. In FY2025, revenue fell 2.8% to $690.5M, but net income rose to $228.2M, reflecting a net margin of 33.1% and EPS of $4.92. Operating margin reached 43.9% in FY2025, up from 41.1% in FY2024. For the trailing twelve months, revenue stood at $531.9M with a profit margin of 43.6% and an operating margin of 59.7%. In the latest quarter ended June 30, 2026, quarterly revenue growth was 0.4% year-over-year, and earnings grew 14.2%.

As of June 30, 2026, The Bancorp held $1.62B in cash and short-term investments against total debt of $958.3M, resulting in net cash of $666.2M. Shareholders' equity stood at $705.4M and total assets were $9.22B, with a current ratio of 0.07 and a debt-to-equity ratio of 1.36. In FY2025, the company generated $265.0M in operating cash flow and $257.9M in free cash flow after spending $7.1M on capital expenditures. It also repurchased $378.3M of stock, contributing to a 5-year share count reduction of 28.4%.

At a last close of $49.60 on October 16, 2026, The Bancorp traded at a market capitalization of $2.02B. Its trailing P/E of 9.3x sits below the 12.1x median of its US-listed Financial Services peers, though its forward P/E of 14.6x exceeds the peer median of 10.8x. Its price-to-sales ratio of 3.8x also trades above the peer median of 3.2x. Over the past year, the stock fell 30.8%, trailing the S&P 500 (SPY) gain of 16.8%. Over five years, the stock returned 66.3%, compared to 83.0% for the S&P 500.

Wall Street coverage consists of 1 Strong Buy and 2 Buy ratings. The mean price target is $76.00, representing a 53.2% upside from the last close of $49.60. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $5.98, an increase of 21.5%, on revenue of $360.3M. For the following fiscal year, 3 analysts estimate EPS of $8.00 and revenue of $362.4M. The Bancorp beat EPS estimates in 2 of the past 4 quarters, and its next earnings date is October 29, 2026.

This page is an AI-written research summary of The Bancorp, Inc. (TBBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: TBBK income statement, TBBK balance sheet, TBBK key metrics, TBBK analyst forecast, TBBK chart. See the TBBK stock overview for the latest quote and news.