TBBK

The Bancorp, Inc.

Financial Services · USD

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46.75 USD -3.77 -7.46%
As of Oct 30, 2026 Extended hours 46.75 0.00%
Bid
46.71 × 2
Ask
46.80 × 2
46.45 Day range 49.92
46.75 52-week range 77.20
YTD
-30.76%
1 year
-39.44%
Open
47.75
Prev close
50.52
Mkt cap
1.91B
Vol
1.27M
Avg vol
488.26K
EPS
5.32
P/E
8.79
Div yield
0.00%
More statistics
Low
46.45
High
49.92
Forward P/E
5.85
Beta
1.25
Short ratio
6.22
Inst. own
100.94%
Dividend
0.00
Ex-div date
Earnings
Jan 28, 2027
50-d avg
54.03
200-d avg
58.60
1y target
76.00

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TBBK five-day price chart46.547.849.150.551.8Oct 26Oct 28Oct 29Oct 30

Financial health

Altman Z-Score

-0.56 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 1
  • P/E 4
  • P/B 1

Valuation

P/E 13.5×
FY 2016: -3.6×FY 2017: 25.3×FY 2018: 5.1×FY 2019: 14.3×FY 2020: 9.8×FY 2021: 13.1×FY 2022: 12.3×FY 2023: 10.9×FY 2024: 12.1×FY 2025: 13.5×
FY 2016 5y median 12.3× FY 2025
P/S 4.5×
FY 2016: 2.4×FY 2017: 2.5×FY 2018: 1.5×FY 2019: 2.6×FY 2020: 2.7×FY 2021: 4.4×FY 2022: 3.9×FY 2023: 3.4×FY 2024: 3.7×FY 2025: 4.5×
FY 2016 5y median 3.9× FY 2025
P/B 4.5×
FY 2016: 1.2×FY 2017: 1.7×FY 2018: 1.1×FY 2019: 1.5×FY 2020: 1.3×FY 2021: 2.2×FY 2022: 2.3×FY 2023: 2.6×FY 2024: 3.3×FY 2025: 4.5×
FY 2016 5y median 2.6× FY 2025
P/FCF 12.0×
FY 2016: -2.1×FY 2017: -19.2×FY 2018: -2.5×FY 2019: 11.4×FY 2020: 6.7×FY 2021: 17.6×FY 2022: 14.0×FY 2023: 12.1×FY 2024: 11.8×FY 2025: 12.0×
FY 2016 5y median 12.1× FY 2025
EV/EBITDA 10.4×
FY 2016: 5.3×FY 2017: -5.1×FY 2018: -0.4×FY 2019: -2.0×FY 2020: 5.3×FY 2021: 6.8×FY 2022: 4.6×FY 2023: 4.7×FY 2024: 7.4×FY 2025: 10.4×
FY 2016 5y median 6.8× FY 2025
EV/Sales 4.6×
FY 2016: -2.3×FY 2017: -1.1×FY 2018: -0.2×FY 2019: -0.5×FY 2020: 2.0×FY 2021: 3.1×FY 2022: 2.0×FY 2023: 2.0×FY 2024: 3.1×FY 2025: 4.6×
FY 2016 5y median 3.1× FY 2025
FCF Yield 8.3%
FY 2016: -48.5%FY 2017: -5.2%FY 2018: -39.3%FY 2019: 8.8%FY 2020: 14.9%FY 2021: 5.7%FY 2022: 7.1%FY 2023: 8.3%FY 2024: 8.5%FY 2025: 8.3%
FY 2016 5y median 8.3% FY 2025

Profitability

Gross Margin 74.3%
FY 2016: 89.2%FY 2017: 91.6%FY 2018: 89.8%FY 2019: 85.0%FY 2020: 92.5%FY 2021: 95.6%FY 2022: 83.9%FY 2023: 73.2%FY 2024: 69.8%FY 2025: 74.3%
FY 2016 5y median 74.3% FY 2025
Operating Margin 43.9%
FY 2016: -48.0%FY 2017: 18.6%FY 2018: 39.7%FY 2019: 25.6%FY 2020: 36.7%FY 2021: 44.1%FY 2022: 43.0%FY 2023: 42.0%FY 2024: 41.1%FY 2025: 43.9%
FY 2016 5y median 43.0% FY 2025
Net Margin 33.1%
FY 2016: -66.7%FY 2017: 10.0%FY 2018: 29.4%FY 2019: 18.2%FY 2020: 27.1%FY 2021: 33.9%FY 2022: 31.5%FY 2023: 31.4%FY 2024: 30.6%FY 2025: 33.1%
FY 2016 5y median 31.5% FY 2025
ROE 33.1%
FY 2016: -32.3%FY 2017: 6.7%FY 2018: 21.8%FY 2019: 10.6%FY 2020: 13.8%FY 2021: 17.0%FY 2022: 18.8%FY 2023: 23.8%FY 2024: 27.5%FY 2025: 33.1%
FY 2016 5y median 23.8% FY 2025
ROIC 19.2%
FY 2016: -9.2%FY 2017: 3.9%FY 2018: 17.4%FY 2019: 8.5%FY 2020: 9.9%FY 2021: 12.7%FY 2022: 14.9%FY 2023: 18.8%FY 2024: 22.2%FY 2025: 19.2%
FY 2016 5y median 18.8% FY 2025
ROA 2.4%
FY 2016: -2.0%FY 2017: 0.5%FY 2018: 2.0%FY 2019: 0.9%FY 2020: 1.3%FY 2021: 1.6%FY 2022: 1.6%FY 2023: 2.5%FY 2024: 2.5%FY 2025: 2.4%
FY 2016 5y median 2.4% FY 2025

Growth (YoY)

Revenue -2.8%
FY 2016: -33.2%FY 2017: 50.0%FY 2018: 39.1%FY 2019: -6.0%FY 2020: 4.1%FY 2021: 10.7%FY 2022: 26.7%FY 2023: 47.7%FY 2024: 16.1%FY 2025: -2.8%
FY 2016 FY 2025
Operating Income 3.7%
FY 2016: -1120.3%FY 2017: 158.1%FY 2018: 196.5%FY 2019: -39.5%FY 2020: 49.4%FY 2021: 33.1%FY 2022: 23.4%FY 2023: 44.3%FY 2024: 13.8%FY 2025: 3.7%
FY 2016 FY 2025
EPS (diluted) 14.7%
FY 2016: -671.1%FY 2017: 118.0%FY 2018: 297.4%FY 2019: -41.9%FY 2020: 52.2%FY 2021: 37.2%FY 2022: 20.7%FY 2023: 53.7%FY 2024: 22.9%FY 2025: 14.7%
FY 2016 FY 2025
Free Cash Flow 15.8%
FY 2016: 30.3%FY 2017: 83.2%FY 2018: -516.4%FY 2019: 136.8%FY 2020: 80.3%FY 2021: -29.6%FY 2022: 39.0%FY 2023: 52.0%FY 2024: 28.0%FY 2025: 15.8%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.0×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.3×
FY 2016: 0.9×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.4×
FY 2016: 10.8×FY 2017: -17.0×FY 2018: -4.0×FY 2019: -11.5×FY 2020: -1.7×FY 2021: -3.1×FY 2022: -4.2×FY 2023: -3.4×FY 2024: -1.5×FY 2025: 0.4×
FY 2016 5y median -3.1× FY 2025
Interest Coverage 1.7×
FY 2016: -5.7×FY 2017: 2.6×FY 2018: 4.4×FY 2019: 1.9×FY 2020: 6.8×FY 2021: 12.8×FY 2022: 3.0×FY 2023: 1.7×FY 2024: 1.7×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31