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The Bancorp, Inc. (TBBK) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

The Bancorp, Inc.

TBBKMarket cap $1.96BPrice $48.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

Powers the banking infrastructure behind fintechs like Chime and Cash App, issuing cards and processing payments most customers never realize aren't from a household-name bank. It's the invisible backbone making neobanking possible at scale.

In Bastion Portfolios?

52W Return-33%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+15%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)-12%–

Rev CAGR (5y)-7%1

Earnings Forecast

EPS Growth Y+1+24%8

EPS Growth Y+2+24%8

EPS Growth Y+3-9%3

Quality

Margins

EBIT Margin0%9

Net Income Margin44%10

Free Cash Flow Margin44%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE30%9

ROA3%4

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)79

P/BV2.85

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-25%1

3 month return-24%1

YTD return-29%2

Mid term

Price vs 52wHigh59%2

1 year return-37%1

Long term

3 year return+40%5

5 year return+57%6

Risk Shield

Price Risk

Beta1.32

Volatility50%3

Free Cash Flow

Free Cash Flow Margin44%10

Free Cash Flow Yield0.0%10

Quality

ROCE32%4

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

TBBKThe Bancorp

Revenue FY25$704M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR-12%–

Revenue, next 5Y, CAGR-7%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+24%8

EPS growth, FY27E+24%8

EPS growth, FY28E-9%3

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Earnings are set to grow faster than sales (EPS about 24%/yr vs revenue -12%/yr), so margins should widen. One year dips: EPS falls 9% in year 3.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to shrink 12%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 15%/yr over the last 3 years, but it is set to shrink 12%/yr from here.

Over five years revenue is set to shrink 7%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK9 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-25%1

3-month return-24%1

YTD return-29%2

MID & LONG-TERM▾SCORE

% of 52-week high59%2

1-year return-37%1

3-year return+40%5

5-year return+57%6

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+40% over three years and +57% over five), roughly average for the market.

WEAKNESSES

It's down 37% over the past year, now 41% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-25%), over three months (-24%) and so far this year (-29%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on The Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

TBBKThe Bancorp

Revenue FY25$704M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR-12%–

Revenue, next 5Y, CAGR-7%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+24%8

EPS growth, FY27E+24%8

EPS growth, FY28E-9%3

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Earnings are set to grow faster than sales (EPS about 24%/yr vs revenue -12%/yr), so margins should widen. One year dips: EPS falls 9% in year 3.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to shrink 12%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 15%/yr over the last 3 years, but it is set to shrink 12%/yr from here.

Over five years revenue is set to shrink 7%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK9 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-25%1

3-month return-24%1

YTD return-29%2

MID & LONG-TERM▾SCORE

% of 52-week high59%2

1-year return-37%1

3-year return+40%5

5-year return+57%6

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+40% over three years and +57% over five), roughly average for the market.

WEAKNESSES

It's down 37% over the past year, now 41% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-25%), over three months (-24%) and so far this year (-29%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on The Bancorp, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community