The Bancorp Inc (TBBK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of The Bancorp Inc stock $40.92, price $48.25, that is 15.2% below the price, quality 67 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
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The Bancorp Inc
TBBK · USOur calculation puts a fair price 15% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $16.69 – $80.34 · fair‑value band $28.07 – $60.24 · the $48.25 price screens above the $40.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 8, 2026.
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Company profile
The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, money market, and commercial accounts.
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The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; financing to investment advisors; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card loans, payroll advances, and others.
In addition, it offers automated clearing house (ACH) bill, and other payment services; debit and prepaid card issuing services; card and bill payment; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services.
The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
Stock analysis
The Bancorp Inc (TBBK) currently trades at $48.25, while our model-based Fair Value estimate is $40.92, 15% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $48.20 per share, and 1 of the 4 models we run sit above the $48.25 price.
Bear case: the Asset-Based group reads lowest at $11.32, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $28.07 (bear) to $60.24 (bull), the price of $48.25 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 67/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
The Bancorp Inc reported revenue of $690M in FY2025 versus $327M in FY2021, a compound +20.6%/yr. Reported net income was $228M in FY2025, compounding +19.8%/yr from FY2021.
Key figures
Market cap $2.0B Mid · P/E ratio 8.5 · P/S ratio 3.79 · EPS (TTM) $5.67 · Net margin 43.6% · Return on equity 29.6% · Return on assets (EBIT) 2.9% (5-year average) · Operating margin 59.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 79 out of 100 (low confidence).
What moves the price
The share trades about 33% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −15%, TBBK screens cheaper than that median.
Fair Value models
All 4 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 4 officers or directors bought shares worth $93,035, most recently on Nov 4, 2026. Over the same period, one person sold shares worth $220,195. Buying cluster
- BuyStephanie B MudickDirector1,000 shares at $47.50$47,495Nov 4, 2026
- BuyDominic C CanusoEVP & Chief Financial Officer4× since Nov 12, 2025: 10,550 shares, avg. ?Nov 3, 2026
- BuyMatthew CohnDirector3× since Feb 10, 2026: 4,580 shares, avg. $56.62$259,338Nov 3, 2026
- BuyMark E TryniskiDirector2× since Feb 4, 2026: 10,000 shares, avg. ?Nov 3, 2026
- SaleMartin EganChief Accounting Officer3,057 shares at $72.03$220,195Aug 6, 2026
- SaleErika R CaesarEVP and General Counsel4,470 shares at $60.28$269,452Apr 29, 2026
- SaleMaria WainwrightEVP & Chief Marketing Officer8,400 shares at $60.24$506,016Apr 28, 2026
- SaleRyan HarrisEVP Head of Fintech Solutions4,500 shares at $53.18$239,310Mar 13, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
TBBK screens overvalued: fair value 15% below the price. Compare with China Merchants Bank Co →
Recent news
- 5 must-read analyst questions from The Bancorp’s Q3 earnings call
- CSB Bancorp Inc. (CSBB) Announces Planned Retirement of Chief Financial Officer and Initiates Executive Search
- Elmer Bancorp, Inc. Announces Third Quarter 2026 Financial Results
- Compared to Estimates, The Bancorp (TBBK) Q3 Earnings: A Look at Key Metrics
Compare The Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Price/FCF by industry
- Debt-to-equity by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs TBBK |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs TBBK |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs TBBK |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs TBBK |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs TBBK |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs TBBK |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs TBBK |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs TBBK |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs TBBK |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs TBBK |
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Key figures of The Bancorp Inc
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