# The Bancorp Inc (TBBK) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $66.87, market value $2.7 billion.

## Valuation
- **P/E (trailing): 12.6×** (5-yr avg 12.6×, 3-yr avg 12.3×). The Bancorp Inc trades at 12.6× trailing earnings, close to its own five-year average of 12.6×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.56**. A PEG of 0.56 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 19.3×**. Each dollar of revenue is priced at 19.3×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 3.9×**. The shares trade at 3.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 5.9%** (5-yr avg 7.3%). Free cash flow equals 5.9% of the market value, below its five-year average of 7.3%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% 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: 5/9**. 5 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 $84.33 (+26% 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): -12.6%** (YTD -1.0%, 3-mo 23.6%). The shares are down 12.6% over twelve months including dividends.
- **From 52-week high: -18.1%** (33.2% above the low). Trading 18% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 1.21** (volatility 42%). Beta of 1.21 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.