The Bancorp, Inc. (TBBK) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
The Bancorp, Inc. (TBBK) trades at $67.91 with AI Score 64/100 (Grade B+). The Bancorp, Inc. is a financial holding company providing banking products and services in the United States. Market cap: $2.83B, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: May 9, 2026Analyst Coverage for TBBK: TBBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TBBK against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
TBBK: 1/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
The Bancorp, Inc. (TBBK) Financial Services Profile
The Bancorp, Inc. (TBBK) is a financial holding company offering diverse banking services, including private label banking and commercial lending. With a $2.83B market cap and a P/E ratio of 10.39, TBBK distinguishes itself through its focus on specialized banking solutions within the regional banking sector.
What Is the Investment Thesis for TBBK?
The Bancorp, Inc. presents a compelling investment case driven by its specialized banking services and strong profitability metrics. With a market capitalization of $2.83B and a P/E ratio of 10.39, the company demonstrates solid financial health. Its profit margin of 29.7% and gross margin of 68.4% indicate efficient operations. Growth catalysts include the expansion of its private label banking partnerships and increased demand for its commercial lending products. However, potential risks involve regulatory changes and increased competition in the banking sector. The company's beta of 1.28 suggests higher volatility compared to the market. Investors should monitor its ability to maintain profitability and manage risks effectively.
Based on FMP financials and quantitative analysis
TBBK Key Highlights
Market Cap of $2.83B indicates a substantial presence in the regional banking sector.
- P/E Ratio of 10.39 suggests the company may be undervalued compared to its earnings.
- Profit Margin of 29.7% demonstrates strong profitability and efficient operations.
- Gross Margin of 68.4% reflects effective cost management in its service offerings.
- Beta of 1.28 indicates higher volatility compared to the overall market.
Who Are TBBK's Competitors?
TBBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FULT Fulton Financial Corporation | $23.65 | -2.67% | $4.52B | 90 |
| FHB First Hawaiian, Inc. | $26.61 | -0.60% | $3.24B | 74 |
| BKU BankUnited, Inc. | $46.83 | -1.99% | $3.40B | 59 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| TRMK Trustmark Corporation | $46.51 | -2.47% | $2.73B | 96 |
| NBTB NBT Bancorp Inc. | $51.88 | +0.25% | $2.70B | 96 |
| CLBK Columbia Financial, Inc. | $11.69 | -1.10% | $2.61B | 94 |
| PFS Provident Financial Services, Inc. | $23.70 | -3.11% | $3.09B | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TBBK's Key Strengths?
Strong profit margin of 29.7%.
- Diversified portfolio of banking products and services.
- Expertise in private label banking.
- Established relationships with independent service organizations (ISOs).
What Are TBBK's Weaknesses?
Higher beta of 1.28 indicates increased volatility.
- Reliance on interest income, which is sensitive to interest rate changes.
- Limited geographic presence compared to larger national banks.
- Potential for increased regulatory scrutiny.
What Could Drive TBBK Stock Higher?
Expansion of private label banking partnerships in Q3 2026, expected to drive revenue growth.
- Continued enhancement of the digital banking platform to attract and retain customers.
- Strategic focus on commercial lending to SMEs, capitalizing on market demand.
What Are the Key Risks for TBBK?
Financial-distress signal — its Altman Z-Score of 0.47 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger national and regional banks, impacting market share.
- Economic downturn impacting loan performance and credit quality.
- Regulatory changes and compliance costs affecting profitability.
- Cybersecurity threats and data breaches posing risks to customer data and operations.
What Are the Growth Opportunities for TBBK?
- Expansion of Private Label Banking Partnerships: The Bancorp can significantly grow by expanding its private label banking partnerships. The market for private label banking is projected to reach $500 billion by 2028, driven by increased demand from non-bank entities seeking to offer financial products. By leveraging its expertise and technology platform, The Bancorp can capture a larger share of this market, offering customized banking solutions to diverse industries and customer segments. This strategy allows for scalable growth with reduced capital expenditure compared to traditional branch banking.
- Increased Focus on Commercial Lending: The demand for commercial lending, particularly for small and medium-sized enterprises (SMEs), is growing. The Bancorp can capitalize on this trend by expanding its commercial lending portfolio, including SBA loans and commercial real estate loans. The market for SME lending is expected to reach $1.2 trillion by 2027. By offering competitive rates and streamlined application processes, The Bancorp can attract more SME clients and drive revenue growth. This expansion should be balanced with diligent risk management practices.
- Enhancement of Digital Banking Platform: Investing in and enhancing its digital banking platform is crucial for attracting and retaining customers. The digital banking market is projected to reach $9.5 trillion by 2029, with increasing adoption of mobile banking and online financial services. By offering a user-friendly and secure digital platform, The Bancorp can improve customer satisfaction, reduce operational costs, and expand its reach beyond its physical locations. This includes incorporating advanced features such as AI-powered customer support and personalized financial advice.
- Strategic Acquisitions and Partnerships: The Bancorp can pursue strategic acquisitions and partnerships to expand its service offerings and geographic reach. The market for fintech partnerships is growing, with banks increasingly collaborating with technology companies to offer innovative financial solutions. By partnering with fintech firms, The Bancorp can integrate new technologies into its platform, such as blockchain-based payment systems and AI-driven fraud detection tools. Strategic acquisitions can also provide access to new markets and customer segments, accelerating growth and diversification.
- Expansion of Vehicle Fleet and Equipment Leasing Services: The Bancorp's vehicle fleet and equipment leasing services present a significant growth opportunity. The market for commercial vehicle leasing is projected to reach $250 billion by 2028, driven by increased demand from businesses seeking to optimize their capital expenditures. By expanding its leasing portfolio and offering flexible financing options, The Bancorp can attract more clients in the transportation and logistics industries. This includes focusing on specialized vehicles and equipment tailored to specific industry needs.
What Are TBBK's Competitive Advantages?
- Specialized expertise in private label banking.
- Diversified portfolio of banking products and services.
- Established relationships with independent service organizations (ISOs).
- Strong focus on technology and digital banking solutions.
What Does TBBK Do?
The Bancorp, Inc., established in 1999 and headquartered in Wilmington, Delaware, operates as the financial holding company for The Bancorp Bank. The company provides a wide array of banking products and services across the United States, catering to both individual and institutional clients. Its offerings include traditional deposit accounts like checking, savings, and money market accounts, as well as specialized services such as prepaid and debit cards. A key differentiator for The Bancorp is its focus on private label banking, where it partners with non-bank entities to offer branded financial products. Beyond deposit services, The Bancorp extends securities-backed and insurance policy cash value-backed lines of credit. Its institutional banking services are complemented by vehicle fleet and equipment leasing solutions, including commercial vehicles like trucks and specialized vehicles. The company also engages in real estate bridge lending, alongside offering Small Business Administration (SBA) loans, commercial mortgage-backed securities (CMBS), and commercial real estate loans. The Bancorp's payment processing services support independent service organizations (ISOs), and it provides internet banking services to enhance customer accessibility. This diversified approach positions The Bancorp as a versatile player in the financial services landscape.
What Products and Services Does TBBK Offer?
- Provides checking, savings, and money market accounts.
- Offers prepaid and debit cards.
- Provides securities-backed lines of credit.
- Offers insurance policy cash value-backed lines of credit.
- Provides vehicle fleet and equipment leasing services.
- Offers real estate bridge lending.
- Provides Small Business Administration (SBA) loans.
- Provides commercial mortgage-backed securities (CMBS) and commercial real estate loans.
How Does TBBK Make Money?
- Generates revenue from interest income on loans and leases.
- Earns fees from deposit accounts and payment processing services.
- Partners with non-bank entities to offer private label banking services.
- Provides commercial lending solutions to businesses.
What Industry Does TBBK Operate In?
The Bancorp, Inc. operates within the regional banking sector, which is characterized by increasing competition and evolving regulatory landscapes. The industry is experiencing a shift towards digital banking solutions and personalized customer experiences. The Bancorp's focus on private label banking and specialized lending positions it uniquely within this competitive environment. As of 2026, the regional banking sector continues to consolidate, with institutions seeking to expand their service offerings and geographic reach. The Bancorp's diversified portfolio and strategic partnerships could provide a competitive edge in this dynamic market.
Who Are TBBK's Key Customers?
- Individual consumers seeking deposit accounts and payment solutions.
- Small and medium-sized businesses requiring commercial loans and leasing services.
- Independent service organizations (ISOs) utilizing payment processing services.
- Non-bank entities partnering for private label banking solutions.
How The Bancorp, Inc. Is Valued
The Bancorp, Inc. carries a market capitalization of $2.83B, placing it in the mid-cap category. Relative to its peer group, TBBK's quantitative score of 64/100 is below the peer average of 83/100.
Company Profile
The Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Wilmington, US. The company is led by CEO Damian Kozlowski. TBBK has traded publicly since 2004.
Key Financial Metrics
Return on equity for The Bancorp, Inc. stands at 32.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 2.5%, showing how much profit it generates from its asset base. TBBK trades at a trailing price-to-earnings ratio of 12.44, below the Financial Services sector average of ~18x. Its free cash flow yield is 5.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.07 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.0%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
The Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.47 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project The Bancorp, Inc. revenue of about $674.1M for fiscal 2026, with EPS near $5.95.
TBBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong profit margin of 29.7%.
- Diversified portfolio of banking products and services.
- Expertise in private label banking.
- Established relationships with independent service organizations (ISOs).
Bear Case
- Higher beta of 1.28 indicates increased volatility.
- Reliance on interest income, which is sensitive to interest rate changes.
- Limited geographic presence compared to larger national banks.
- Potential for increased regulatory scrutiny.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
TBBK Latest News
-
This Cinemark Analyst Is No Longer Bearish; Here Are Top 5 Upgrades For Thursday
benzinga · Jul 9, 2026
-
Earnings Scheduled For April 23, 2026
benzinga · Apr 23, 2026
-
Earnings Scheduled For January 29, 2026
benzinga · Jan 29, 2026
-
Earnings Scheduled For April 24, 2025
benzinga · Apr 24, 2025
TBBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TBBK.
Price Targets
Wall Street price target analysis for TBBK.
TBBK MoonshotScore
What does this score mean?
The MoonshotScore rates TBBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Damian Kozlowski
Chief Executive Officer
Damian Kozlowski serves as the Chief Executive Officer of The Bancorp, Inc. He has extensive experience in the financial services industry, with a background in investment banking and corporate finance. Prior to joining The Bancorp, Kozlowski held leadership positions at various financial institutions, where he focused on strategic planning, mergers and acquisitions, and capital markets activities. He brings a wealth of knowledge and expertise to The Bancorp, guiding the company's strategic direction and growth initiatives.
Track Record: Under Damian Kozlowski's leadership, The Bancorp, Inc. has focused on expanding its private label banking partnerships and enhancing its digital banking platform. He has overseen the company's efforts to improve operational efficiency and profitability. Key milestones include the growth of the commercial lending portfolio and the expansion of services for independent service organizations (ISOs).
What Investors Ask About The Bancorp, Inc. (TBBK) — Financial Services
What does the AI Score mean for TBBK?
TBBK holds an AI Score of 64/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. The Bancorp, Inc. is a financial holding company providing banking products and services in the United States. It focuses on private label banking, payment processing, and commercial lending.
What does The Bancorp, Inc. do?
The Bancorp, Inc. operates as a financial holding company, primarily focusing on providing banking products and services through The Bancorp Bank. Its core business revolves around offering private label banking solutions, where it partners with non-bank entities to provide branded financial products. Additionally, it provides a range of services, including deposit accounts, payment processing, commercial lending, and vehicle fleet leasing.
What do analysts say about TBBK stock?
Analyst consensus on The Bancorp, Inc. (TBBK) reflects a cautiously optimistic outlook, with attention focused on its unique business model and growth potential. Key valuation metrics, such as its P/E ratio of 10.39, suggest potential undervaluation compared to its earnings. Growth considerations include the expansion of its private label banking partnerships and the enhancement of its digital platform.
What are the main risks for TBBK?
The Bancorp, Inc. faces several key risks inherent to the financial services industry. Increased competition from larger national and regional banks could impact its market share and profitability. Economic downturns could lead to decreased loan performance and credit quality. Regulatory changes and compliance costs pose ongoing challenges.
What is The Bancorp, Inc.'s credit quality and risk management approach?
The Bancorp, Inc.'s credit quality is a critical factor in assessing its financial health. The company's loan portfolio includes commercial loans, real estate loans, and leasing arrangements, each carrying inherent credit risks. Provision levels for loan losses are essential to cover potential defaults. The Bancorp's risk management frameworks encompass credit risk assessment, monitoring, and mitigation strategies.
What regulatory challenges does The Bancorp, Inc. face?
The Bancorp, Inc. operates within a highly regulated environment, subject to oversight by federal and state banking authorities. Capital requirements, including minimum capital ratios, are crucial for maintaining financial stability. Compliance costs associated with regulatory requirements can impact profitability. The Bancorp must navigate evolving regulations related to anti-money laundering (AML), consumer protection, and data privacy.
What are the key factors to evaluate for TBBK?
The Bancorp, Inc. (TBBK) holds an AI score of 64/100 (moderate). presents a compelling investment case driven by its specialized banking services and strong profitability metrics. Not financial advice.
How frequently does TBBK data refresh on this page?
TBBK's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TBBK's recent stock price performance?
The Bancorp, Inc. (TBBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margin of 29.7%. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial metrics are as of the latest available data.