The Bancorp (TBBK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

The Bancorp

NasdaqGS•Financial Services•Banks - Regional

$50.23-0.42(-0.01%)After hours

Market Cap

$2.10B

P/E

9.1x

P/S

3.1x

P/B

3.0x

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, money market, and commercial accounts. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; financing to investment advisors; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card loans, payroll advances, and others. In addition, it offers automated clearing house (ACH) bill, and other payment services; debit and prepaid card issuing services; card and bill payment; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.

How this company scores

GoodMetricSide Score: 77/100

Strongest: Profitability (25/25); weakest: Cash & Earnings Quality (15/25).

Profitability25/25

Growth17/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality15/25

Strengths

Strong marginsHigh ROELow leverageCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.1x5y range 8.7x – 15.5x

Currently near its 20-quarter median.

P/S · 3.1x5y range 3.1x – 5.3x

Currently below its 20-quarter median.

P/B · 3.0x5y range 1.7x – 4.5x

Price & Volume

Market Cap $2.10B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $672.07M
Q. Revenue: $163.51M
TTM EBITDA: $312.70M
TTM Op. Income: $307.80M
Q. Op. Income: $80.94M
TTM Net Income: $231.94M
Q. Net Income: $60.66M
EPS: $1.46
Shares Out.: $41.46M

$672.07M in TTM revenue grew 6.5% YoY, reaching $163.51M last quarter. TTM EBITDA of $312.70M and TTM operating income of $307.80M show growth is flowing through to the bottom line. TTM net income of $231.94M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 74.6%
EBITDA Margin: 50.3%
Op. Margin: 49.5%
Net Margin: 37.1%

Op. margin of 49.5% is up 5.6% YoY — cost efficiency is improving. Net margin at 37.1% and gross margin of 74.6% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.1x
P/S Ratio: 3.1x
P/B Ratio: 3.0x

At 9.1x P/E, the stock trades below typical market levels. P/S of 3.1x and P/B of 3.0x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $9.22B
Cash: $80.08M
Long-Term Debt: $4.33M
Book Value: $705.38M
D/E Ratio: 0.0
Debt/EBITDA: 0.1

With $9.22B in assets and $4.33M in long-term debt, D/E is 0.0and book value is $705.38M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $34.87M
TTM Free Cash Flow: $159.95M
FCF Margin: 23.8%
FCF / Net Income: 0.7

TTM FCF of $159.95M on $34.87M in operating cash flow. The FCF / Net Income ratio of 0.7x means cash covers only part of net income — earnings quality needs attention. Across the last 8 quarters, free cash flow has fallen for 3 consecutive quarters — a weakening trend.