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The Bancorp, Inc. logo

The Bancorp, Inc.

TBBK

NASDAQFinancial ServicesBanks - Regional

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Previous close

$67.19

+$0.28 · +0.42%

Aug 21, 4:00 PM ET

TBBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

45

Fair Value

Momentum

55

Neutral

Sentiment

63

Bullish

Risk resilience

61

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

The Bancorp, Inc. operates as the parent financial company for The Bancorp Bank, providing a comprehensive range of banking products and services across the United States. Its diverse offerings include various deposit accounts, such as checking, savings, money market, and commercial options, alongside prepaid and debit card solutions. The company extends credit through lines of credit secured by both securities and the cash value of insurance policies. Additionally, it offers institutional banking services, real estate bridge lending, Small Business Administration (SBA) loans, commercial mortgage-backed loans, and commercial real estate financing. Leasing services are a significant part of its portfolio, covering vehicle fleets, other equipment, and specialized commercial vehicles like trucks. The Bancorp, Inc. also specializes in private label banking, processes credit and debit card payments for independent service organizations, and provides full-service internet banking. Incorporated in 1999, the company's headquarters are located in Wilmington, Delaware.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Damian Kozlowski
Listed since
Feb 3, 2004
Employees
733

Market position

Day range

Current $67.19

52-week range

Current $67.19

Open
$67.40
Previous close
$66.91
Volume
305.11K
0.71× average
Average volume
430.26K
Average daily volume
Market cap
2.8B USD
Beta
1.19
Market reference 1
50-day average
$65.3224
+2.86% above average
200-day average
$61.6066
+9.06% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
3.2B USD
P/E (TTM)
12.47×
P/B (TTM)
3.95×
P/S (TTM)
3.69×
EV / EBITDA
10.4×
Earnings yield
7.38%
Free cash flow yield
8.35%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
70.41%
Operating margin
40.65%
Net margin
30.63%
Return on equity
33.08%
Return on assets
2.44%
Return on invested capital
19.23%

Financial health

Debt / equity
1.36×
Current ratio
0.02×
Altman Z-score
0.47
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends102%76%50%24%Gross margin, FY2021: 95.61%Gross margin, FY2022: 83.92%Gross margin, FY2023: 73.22%Gross margin, FY2024: 69.76%Gross margin, FY2025: 74.26%Operating margin, FY2021: 44.11%Operating margin, FY2022: 42.98%Operating margin, FY2023: 41.98%Operating margin, FY2024: 41.14%Operating margin, FY2025: 43.89%Net margin, FY2021: 33.85%Net margin, FY2022: 31.45%Net margin, FY2023: 31.44%Net margin, FY2024: 30.63%Net margin, FY2025: 33.05%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.61%. Gross margin FY2022 83.92%. Gross margin FY2023 73.22%. Gross margin FY2024 69.76%. Gross margin FY2025 74.26%. Operating margin FY2021 44.11%. Operating margin FY2022 42.98%. Operating margin FY2023 41.98%. Operating margin FY2024 41.14%. Operating margin FY2025 43.89%. Net margin FY2021 33.85%. Net margin FY2022 31.45%. Net margin FY2023 31.44%. Net margin FY2024 30.63%. Net margin FY2025 33.05%.

Income trends

Revenue

690.46M USD-2.77%

Operating income

303.04M USD+3.72%

Net income

228.21M USD+4.91%
Income trends across reported periods770.05M USD530.27M USD290.49M USD50.71M USDRevenue, FY2021: 326.86M USDRevenue, FY2022: 413.98M USDRevenue, FY2023: 611.6M USDRevenue, FY2024: 710.11M USDRevenue, FY2025: 690.46M USDOperating income, FY2021: 144.17M USDOperating income, FY2022: 177.91M USDOperating income, FY2023: 256.77M USDOperating income, FY2024: 292.16M USDOperating income, FY2025: 303.04M USDNet income, FY2021: 110.65M USDNet income, FY2022: 130.21M USDNet income, FY2023: 192.3M USDNet income, FY2024: 217.54M USDNet income, FY2025: 228.21M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 326.86M USD. Revenue FY2022 413.98M USD. Revenue FY2023 611.6M USD. Revenue FY2024 710.11M USD. Revenue FY2025 690.46M USD. Operating income FY2021 144.17M USD. Operating income FY2022 177.91M USD. Operating income FY2023 256.77M USD. Operating income FY2024 292.16M USD. Operating income FY2025 303.04M USD. Net income FY2021 110.65M USD. Net income FY2022 130.21M USD. Net income FY2023 192.3M USD. Net income FY2024 217.54M USD. Net income FY2025 228.21M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue690.46M USD710.11M USD611.6M USD413.98M USD326.86M USD
Cost of goods sold177.69M USD214.73M USD163.79M USD66.56M USD14.35M USD
Gross profit512.77M USD495.38M USD447.82M USD347.42M USD312.52M USD
Selling, general, and administrative142.55M USD147.12M USD135.13M USD118.86M USD120.5M USD
Operating expenses209.73M USD203.23M USD191.04M USD169.5M USD168.35M USD
Interest income551.37M USD551.59M USD509.51M USD308.37M USD222.12M USD
Interest expense175.86M USD175.35M USD155.46M USD59.53M USD11.24M USD
Depreciation and amortization4.65M USD4.16M USD3.07M USD2.9M USD3.3M USD
Operating income303.04M USD292.16M USD256.77M USD177.91M USD144.17M USD
Net income228.21M USD217.54M USD192.3M USD130.21M USD110.65M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
27%
3 beats, 7 misses, 1 met estimate
Average EPS surprise
-3.58%
11 comparable reports
Latest EPS result
1.45
Estimate 1.36 · Beat by 6.62%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.541.381.231.07Q1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 1.15, estimate 1.13, surprise +1.77%, Beat. Q2 2025, reported Apr 24, 2025: actual 1.19, estimate 1.24, surprise -4.03%, Miss. Q3 2025, reported Jul 24, 2025: actual 1.27, estimate 1.28, surprise -0.78%, Miss. Q4 2025, reported Oct 23, 2025: actual 1.18, estimate 1.33, surprise -11.28%, Miss. Q1 2026, reported Jan 29, 2026: actual 1.28, estimate 1.46, surprise -12.33%, Miss. Q2 2026, reported Apr 23, 2026: actual 1.41, estimate 1.34, surprise +5.22%, Beat. Q3 2026, reported Jul 30, 2026: actual 1.45, estimate 1.36, surprise +6.62%, Beat. Q4 2026, reported Oct 29, 2026: actual —, estimate 1.48, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates196.86M160.97M125.08M89.19MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 149.23M USD, estimate 96.76M USD, surprise +54.22%, Beat. Q2 2025, reported Apr 24, 2025: actual 175.39M USD, estimate 107.72M USD, surprise +62.82%, Beat. Q3 2025, reported Jul 24, 2025: actual 181.24M USD, estimate 97.8M USD, surprise +85.31%, Beat. Q4 2025, reported Oct 23, 2025: actual 134.82M USD, estimate 162.3M USD, surprise -16.93%, Miss. Q1 2026, reported Jan 29, 2026: actual 172.61M USD, estimate 164.1M USD, surprise +5.19%, Beat. Q2 2026, reported Apr 23, 2026: actual 161.34M USD, estimate 189.29M USD, surprise -14.77%, Miss. Q3 2026, reported Jul 30, 2026: actual 137.74M USD, estimate 166.69M USD, surprise -17.37%, Miss. Q4 2026, reported Oct 29, 2026: actual —, estimate 155.71M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$87.00

29.48% upside
Past 12 months12-month forecastHigh $88.00Average $87.00Low $86.00

Rating distribution

7 ratings
Strong buy114%
Buy686%
Hold00%
Sell00%
Strong sell00%

Recent analyst actions

4 institutions
Keefe BruyettedowngradeOutperformMkt Perform

TBBK news

businesswire.com

East West Bancorp Announces Fall 2026 Conference Participation

PASADENA, Calif.--(BUSINESS WIRE)--East West Bancorp, Inc. (“East West” or the “Company”) (Nasdaq: EWBC) announced today that management will meet with investors at several investor conferences this fall. New York –…

Read source
zacks.com

Fifth Third Bancorp (FITB) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Fifth Third Bancorp (FITB) have what it takes?

Read source
businesswire.com

Fifth Third Bancorp Commences Registered Exchange Offer

CINCINNATI--(BUSINESS WIRE)--Fifth Third Bancorp (NYSE: FITB) today announced the commencement of its offer to exchange (the “Registered Exchange Offer”) any and all of its outstanding unregistered senior notes (the…

Read source
zacks.com

Implied Volatility Surging for German American Bancorp Stock Options

Investors need to pay close attention to GABC stock based on the movements in the options market lately.

Read source
globenewswire.com

Unity Bancorp Announces 6% Increase in Third Quarter Dividend

CLINTON, N.J., Aug. 20, 2026 (GLOBE NEWSWIRE) -- Unity Bancorp, Inc. (NASDAQ: UNTY), parent company of Unity Bank, announced that its Board of Directors has declared a cash dividend of $0.17 per common share. Such…

Read source
businesswire.com

Republic Bancorp Named to American Banker's 2026 Top-Performing Banks List

LOUISVILLE, Ky.--(BUSINESS WIRE)--Republic Bancorp, Inc., parent company of Republic Bank & Trust Company (“Republic” or the “Bank”), has been recognized by American Banker as one of its Top-Performing Banks with $2…

Read source

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ETFs holding TBBK

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
172.89M
Weight
0.15%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
95.48M
Weight
0.31%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
84.4M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
67.89M
Weight
0.08%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
43.16M
Weight
1.06%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
32.11M
Weight
0.03%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares S&P Small-Cap 600 Growth ETF logoiShares S&P Small-Cap 600 Growth ETFIJT
Market value
26.33M
Weight
0.31%
AUM
8.22B USD
Expense ratio
0.18%
Price / 1D
$173.9+0.61%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
26.19M
Weight
0.15%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%

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