The Bancorp Inc (TBBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
The Bancorp Inc stock (TBBK) is currently trading at $52.50. The Bancorp Inc PE ratio is 10.76. The Bancorp Inc PS ratio (Price-to-Sales) is 4.42. Analyst consensus price target for TBBK is $72.00. WallStSmart rates TBBK as Moderate Buy.
- TBBK PE ratio analysis and historical PE chart
- TBBK PS ratio (Price-to-Sales) history and trend
- TBBK intrinsic value — DCF, Graham Number, EPV models
- TBBK stock price prediction 2025 2026 2027 2028 2029 2030
- TBBK fair value vs current price
- TBBK insider transactions and insider buying
- Is TBBK undervalued or overvalued?
- The Bancorp Inc financial analysis — revenue, earnings, cash flow
- TBBK Piotroski F-Score and Altman Z-Score
- TBBK analyst price target and Smart Rating
The Bancorp Inc
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TBBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · The Bancorp Inc (TBBK)
TBBK trades at a significant discount to its Graham intrinsic value of $127.13, offering a 55% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
The Bancorp Inc (TBBK) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, operating margin. Concerns around revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
The Bancorp Inc (TBBK) Key Strengths (6)
Every $100 of shareholder equity generates $31 in profit
Keeps $60 of every $100 in revenue after operating costs
Keeps $43 of every $100 in revenue as net profit
108.17% of shares held by major funds and institutions
Good growth relative to its price
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
The Bancorp Inc (TBBK) Areas to Watch (4)
Revenue growing slowly at 2.30% annually
Premium valuation at 4.4x annual revenue
Premium pricing at 3.2x book value
Solid earnings growth at 11.90%
The Bancorp Inc (TBBK) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (1.07) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 30.80%, Operating Margin at 59.80%, Profit Margin at 43.40%.
The Bear Case
The primary concerns are Revenue Growth, Price/Sales, Price/Book. Some valuation metrics including Price/Sales (4.42), Price/Book (3.22) suggest expensive pricing. Growth concerns include Revenue Growth at 2.30%, EPS Growth at 11.90%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 30.80% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 2.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Operating Margin) and negatives (Revenue Growth, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TBBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TBBK's Price-to-Sales ratio of 4.42x sits near its historical average of 4.55x (76th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 83% below its historical high of 25.26x set in Dec 2006, and 397% above its historical low of 0.89x in Mar 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for The Bancorp Inc (TBBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
The Bancorp Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 526M with 2% growth year-over-year. Profit margins are strong at 43.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 30.8% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 43.4% and operating margin of 59.8% demonstrate strong pricing power and operational efficiency.
Free cash flow is -37M, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Debt management: total debt of 422M is significantly higher than cash (8M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact The Bancorp Inc.
Bottom Line
The Bancorp Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(31 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HARRIS, RYAN EVP Head of Fintech Solutions | Sell | -4,500 |
| Insider | Type | Shares |
|---|---|---|
COHN, MATTHEW Director | Buy | +230 |
| Insider | Type | Shares |
|---|---|---|
CANUSO, DOMINIC C EVP & Chief Financial Officer | Buy | +200 |
Data sourced from SEC Form 4 filings
Last updated: 4:43:22 PM
About The Bancorp Inc(TBBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
The Bancorp, Inc. is the financial holding company of The Bancorp Bank offering banking products and services in the United States. The company is headquartered in Wilmington, Delaware.