# The Bancorp Inc (TBBK) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $46.65, market value $1.9 billion.

## Valuation
- **P/E (trailing): 8.2×** (5-yr avg 12.6×, 3-yr avg 12.3×). The Bancorp Inc trades at 8.2× trailing earnings, well below its own five-year average of 12.6×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.45**. A PEG of 0.45 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 13.5×**. Each dollar of revenue is priced at 13.5×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 2.8×**. The shares trade at 2.8× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.4%** (5-yr avg 7.3%). Free cash flow equals 8.4% of the market value, in line with its five-year average of 7.3%. Above 5% is generally attractive.
- **Earnings yield: 12.2%**. The inverse of the P/E: 12.2% of the price is earned each year.

## Profitability
- **Net margin: 161.7%**. 161.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 33.1%**. 33.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 2.4%**. Each dollar of assets produces 2.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 20.8%** (3-yr 17.9%/yr, 5-yr 81.8%/yr). Revenue grew 20.8% over the last year, against 81.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 14.7%** (3-yr 29.4%/yr, 5-yr 29.1%/yr). Earnings per share rose 14.7%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 31.1%/yr**. Free cash flow has compounded at 31.1% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $113 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. The Bancorp Inc does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover The Bancorp Inc; the consensus is buy, with an average price target of $67.67 (+45% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -29.4%** (YTD -31.6%, 3-mo -35.0%). The shares are down 29.4% over twelve months including dividends.
- **From 52-week high: -36.1%** (3.5% above the low). Trading 36% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 31**. An RSI of 31 is neutral.
- **Beta (1 yr): 1.20** (volatility 46%). Beta of 1.20 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TBBK · Page: https://foliofundamentals.com/stocks/tbbk

Not investment advice.