Stocks · Financial Services · Banks - Regional
The Bancorp, Inc. TBBK
$48.81 -0.27% Close, Oct 2, 2026 · NASDAQ · Market cap $2.03B
Weak trendInexpensive vs sectorHigh risk
Next earnings report: Oct 29, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 12.1% in a year, mainly through buybacks.
- The shares trade at 9.2× trailing earnings, lower than 95% of the company's own readings over the past five years.
- Net debt is 3.0× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 14%
- EPS growth (TTM, YoY)Bottom 43%
- FCF growth (TTM, YoY)Bottom 10%
- Revenue growth, 3-year CAGRTop 36%
- Revenue growth accelerationBottom 17%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 41%
- Gross marginTop 36%
- Operating marginTop 14%
- Cash conversion (OCF / net income)Bottom 28%
- Accruals (lower is better)Bottom 24%
- Net debt / EBITDA (lower is better)Bottom 34%
- Interest coverTop 31%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 13%
- Free-cash-flow yieldTop 49%
- EBITDA / enterprise valueTop 27%
- Sales / enterprise valueBottom 36%
- P/E vs own 5-year history (lower is better)Top 8%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 17%
- 6-month returnBottom 8%
- 1-year return vs S&P 500Bottom 9%
- Distance from 52-week highBottom 10%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 22%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetTop 7%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 8%
- Maximum drawdown, 3 yearsBottom 25%
- Beta vs S&P 500 (lower is better)Bottom 10%
- Net debt / EBITDA (lower is better)Bottom 34%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.9% | -7.2% | ↓ |
| EPS growth (YoY) | 16.0% | 14.4% | ↓ |
| Gross margin | 63.2% | 70.4% | ↑ |
| Operating margin | 36.8% | 40.7% | ↑ |
| FCF margin | 42.9% | 21.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -7.2% | 2.9% | ↓ | Bottom 14% |
| EPS growth (TTM, YoY) | 14.4% | 16.0% | ↓ | Bottom 43% |
| Gross margin | 70.4% | 63.2% | ↑ | Top 36% |
| Operating margin | 40.7% | 36.8% | ↑ | Top 14% |
| Net margin | 30.6% | 27.5% | ↑ | — |
| Free-cash-flow margin | 21.6% | 42.9% | ↓ | — |
| Return on invested capital | 2.5% | — | Top 41% | |
| Revenue growth, 3-year CAGR | 18.6% | — | Top 36% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.72×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -86.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.05×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 19.76%
- Shareholder yield
- 19.76%
- Share count change, 1 year
- -12.1%
- Share count change, 3-year CAGR
- -8.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -2.9%
- Average 2-day reaction, last 8
- +1.2%
- Positive 20 days after report
- 2 of 8
Analysts
- Consensus price target
- $81.50
- Target vs current price
- +67.0%
- Analysts with a rating
- 7
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | +6.6% | -4.2% | +6.1% | -1.9% | — |
| Apr 23, 2026 | +5.2% | +0.5% | -0.2% | -8.8% | +11.7% |
| Jan 29, 2026 | -12.3% | +5.0% | -10.3% | -14.8% | -13.7% |
| Oct 23, 2025 | -11.3% | +1.1% | +3.9% | -20.5% | -11.0% |
| Jul 24, 2025 | -0.8% | +0.2% | -9.4% | -4.4% | +3.1% |
| Apr 24, 2025 | -4.0% | +2.7% | -0.1% | +7.7% | +43.1% |
| Jan 30, 2025 | +1.8% | +4.1% | +13.3% | -0.0% | -13.3% |
| Oct 24, 2024 | -8.0% | +0.3% | -8.0% | +0.3% | +0.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $1.45 | $1.36 | +6.6% | $137.7M |
| Apr 23, 2026 | $1.41 | $1.34 | +5.2% | $161.3M |
| Jan 29, 2026 | $1.28 | $1.46 | -12.3% | $172.6M |
| Oct 23, 2025 | $1.18 | $1.33 | -11.3% | $134.8M |
| Jul 24, 2025 | $1.27 | $1.28 | -0.8% | $181.2M |
| Apr 24, 2025 | $1.19 | $1.24 | -4.0% | $175.4M |
| Jan 30, 2025 | $1.15 | $1.13 | +1.8% | $149.2M |
| Oct 24, 2024 | $1.04 | $1.13 | -8.0% | $125.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.2× | 12.8× | 5th | Top 13% |
| P/E (forward) | 8.2× | — | — | — |
| EV / EBITDA | 9.6× | — | — | Top 27% |
| EV / Sales | 3.94× | — | — | Bottom 36% |
| Free-cash-flow yield | 8.05% | — | — | Top 49% |
| Earnings yield | 10.90% | — | — | Top 13% |
P/E over the past five years
Range 9.0× – 17.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -33.8%
- Earnings per share growth (TTM)
- +14.4%
- Change in P/E multiple
- -1.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -8.4%
- 200-day average slope (20 days)
- -2.1%
- Distance from 50-day average
- -20.4%
- Distance from 200-day average
- -19.3%
- RSI (14)
- 27.7
- Relative volume
- 0.64×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 58.1%
- Volatility vs own 5-year history
- 85th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.33
- Correlation with S&P 500
- 0.45
- Current drawdown from 1-year high
- -39.2%
- Maximum drawdown, 3 years
- -40.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 5, 2021 | Jun 16, 2022 | -48.9% | 153 days | 154 days (Jan 27, 2023) |
| Oct 14, 2025 | Sep 30, 2026 | -40.1% | 241 days | Not yet recovered |
| Jan 30, 2024 | Apr 30, 2024 | -36.3% | 63 days | 52 days (Jul 16, 2024) |
| Feb 5, 2025 | Apr 7, 2025 | -34.8% | 42 days | 65 days (Jul 11, 2025) |
| Feb 17, 2023 | Mar 13, 2023 | -30.0% | 15 days | 87 days (Jul 18, 2023) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.03B
- P/E (TTM)
- 9.2
- EPS, diluted (TTM)
- $5.32
- Revenue (TTM)
- $757.1M
- 52-week range
- $47.01 – $81.65
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $326.9M | $414.0M | $611.6M | $710.1M | $690.5M |
| Gross profit | $312.5M | $347.4M | $447.8M | $495.4M | $512.8M |
| Operating income | $144.2M | $177.9M | $256.8M | $292.2M | $303.0M |
| Net income | $110.7M | $130.2M | $192.3M | $217.5M | $228.2M |
| EPS (diluted) | $1.88 | $2.27 | $3.49 | $4.29 | $4.92 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $171.7M | $193.7M | $223.4M | $226.9M | $216.8M | $169.8M | $165.3M | $205.2M |
| Net income | $51.5M | $55.9M | $57.2M | $59.8M | $54.9M | $56.3M | $60.1M | $60.7M |
| EPS (diluted) | $1.04 | $1.15 | $1.19 | $1.27 | $1.18 | $1.28 | $1.41 | $1.45 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $83.9M | $119.6M | $186.7M | $227.7M | $265.0M |
| Capital expenditure | -$1.5M | -$5.1M | -$12.7M | -$5.0M | -$7.1M |
| Free cash flow | $82.3M | $114.5M | $174.0M | $222.7M | $257.9M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$36.6M | -$59.7M | -$99.9M | -$252.4M | -$376.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.62B
- Total assets
- $9.22B
- Total liabilities
- $8.51B
- Total debt
- $958.3M
- Net debt
- $948.7M
- Shareholders’ equity
- $705.4M
As of Jun 30, 2026 (filed Aug 6, 2026).
Short interest
- Shares sold short
- 2,844,094
- Days to cover
- 4.03
- Change vs previous report
- -9.8%
FINRA short interest, settlement date Sep 15, 2026.