Bancorp, Inc. (TBBK) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does Bancorp, Inc. Do?
The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking, savings, money market, and commercial accounts; and prepaid and debit cards. It also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; institutional banking services; vehicle fleet, other equipment leasing, and commercial fleet leasing services consist of commercial vehicles, including trucks and special purpose vehicles, and equipment; and real estate bridge lending, as well as small business administration, commercial mortgage-backed, and commercial real estate loans. The company offers private label banking; credit and debit card payment processing services for independent service organizations; and internet banking services. The Bancorp, Inc. was incorporated in 1999 and is headquartered in Wilmington, Delaware. Bancorp, Inc. (TBBK) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Damian M. Kozlowski and employs approximately 720 people, headquartered in Wilmington, Delaware. With a market capitalization of $2.3B, TBBK is one of the notable companies in the Financials sector.
Bancorp, Inc. (TBBK) Stock Rating — Hold (April 2026)
As of April 2026, Bancorp, Inc. receives a Hold rating with a composite score of 49.4/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.TBBK ranks #1,449 out of 4,446 stocks in our coverage universe. Within the Financials sector, Bancorp, Inc. ranks #437 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
TBBK Stock Price and 52-Week Range
Bancorp, Inc. (TBBK) currently trades at $58.52. The stock gained $0.17 (0.3%) in the most recent trading session. The 52-week high for TBBK is $81.65, which means the stock is currently trading -28.3% from its annual peak. The 52-week low is $40.51, putting the stock 44.5% above its annual trough. Recent trading volume was 244K shares, suggesting relatively thin trading activity.
Is TBBK Overvalued or Undervalued? — Valuation Analysis
Bancorp, Inc. (TBBK) carries a value factor score of 76/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 10.66x, compared to the Financials sector average of 14.88x — a discount of 28%. The price-to-book ratio stands at 3.45x, versus the sector average of 1.22x. The price-to-sales ratio is 4.26x, compared to 0.90x for the average Financials stock. On an enterprise value basis, TBBK trades at 8.02x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, Bancorp, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
Bancorp, Inc. Profitability — ROE, Margins, and Quality Score
Bancorp, Inc. (TBBK) earns a quality factor score of 70/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 32.4%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 2.4% versus the sector average of 1.2%.
On a margin basis, Bancorp, Inc. reports gross margins of 0.0%. The operating margin is 53.1% (sector: 21.8%). Net profit margin stands at 40.0%, versus 17.7% for the average Financials stock. Revenue growth is running at -0.7% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
TBBK Debt, Balance Sheet, and Financial Health
Bancorp, Inc. has a debt-to-equity ratio of 1256.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.08x, suggesting adequate working capital coverage. Total debt on the balance sheet is $423M. Cash and equivalents stand at $10M.
TBBK has a beta of 1.50, meaning it is more volatile than the broader market — a $10,000 investment in TBBK would be expected to move 49.9% more than the S&P 500 on any given day. The stability factor score for Bancorp, Inc. is 51/100, reflecting average volatility within the normal range for its sector.
Bancorp, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, Bancorp, Inc. reported revenue of $559M and earnings per share (EPS) of $4.99. Net income for the quarter was $223M. Gross margin was 0.0%. Operating income came in at $297M.
In FY 2025, Bancorp, Inc. reported revenue of $141M and earnings per share (EPS) of $4.99. Net income for the quarter was $228M. Revenue grew -73.6% year-over-year compared to FY 2024. Operating income came in at $303M.
In Q3 2025, Bancorp, Inc. reported revenue of $136M and earnings per share (EPS) of $1.20. Net income for the quarter was $55M. Revenue grew -2.4% year-over-year compared to Q3 2024. Operating income came in at $73M.
In Q2 2025, Bancorp, Inc. reported revenue of $143M and earnings per share (EPS) of $1.28. Net income for the quarter was $60M. Revenue grew 4.3% year-over-year compared to Q2 2024. Operating income came in at $80M.
Over the past 8 quarters, Bancorp, Inc. has demonstrated a growth trajectory, with revenue expanding from $137M to $559M. Investors analyzing TBBK stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
TBBK Dividend Yield and Income Analysis
Bancorp, Inc. (TBBK) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.
TBBK Momentum and Technical Analysis Profile
Bancorp, Inc. (TBBK) has a momentum factor score of 32/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 34/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 6/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
TBBK vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, Bancorp, Inc. (TBBK) ranks #437 out of 891 stocks based on the Blank Capital composite score. This places TBBK in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing TBBK against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full TBBK vs S&P 500 (SPY) comparison to assess how Bancorp, Inc. stacks up against the broader market across all factor dimensions.
TBBK Next Earnings Date
No upcoming earnings date has been announced for Bancorp, Inc. (TBBK) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy TBBK? — Investment Thesis Summary
Bancorp, Inc. presents a balanced picture with arguments on both sides. The quality score of 70/100 indicates above-average profitability and business fundamentals. The value score of 76/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 32/100, a headwind for near-term performance.
In summary, Bancorp, Inc. (TBBK) earns a Hold rating with a composite score of 49.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on TBBK stock.
Related Resources for TBBK Investors
Explore more research and tools: TBBK vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare TBBK head-to-head with peers: TBBK vs WTM, TBBK vs OPY, TBBK vs ACT.