On the stock market since 2004, it operates in the world of money and finance. It has 733 employees. Now — the numbers.
This is an established company with proven profits.
Average growth of 21% a year over the last 4 years. Every year shown ended in profit.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
The stock trades 17% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 33% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 19% a year on average.
Over the last 12 months, company executives reported 43 buys and 16 sells. Management buying with its own money is usually read as a good sign.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 7/100.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 29/100.
On our five-subject report card, TBBK sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: TBBK is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Analysts’ average target sits above today’s price, yet the valuation grade (29/100) says the stock isn’t cheap.