The Bancorp Inc Common Stock (TBBK)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At $49.69 on 2026-10-13, The Bancorp carries a $2.0B market cap, a FairStock-calculated P/E of 9.34, and a P/B of 2.89. I see a small, 733-employee bank that gathers deposits and makes loans, including SBA and adviser financing. The filed record is genuinely good: net income rose from $192.3M in fiscal year 2023, ended 2023-12-31, to $217.5M in fiscal year 2024, ended 2024-12-31, to $228.2M in fiscal year 2025, ended 2025-12-31, while diluted EPS rose from $3.49 to $4.29 to $4.92. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $60.7M and diluted EPS $1.45, versus $59.8M and $1.27 in fiscal Q2 2025, the quarter ended 2025-06-30. FairStock's ROE of 29.63% is exceptional for a bank and justifies a premium to book, but 2.89 times book leaves little room if returns normalize. A bank is a leveraged, credit-sensitive business; the data lacks CET1, net interest margin, charge-offs, reserves, and efficiency ratios, so I cannot fully judge underwriting. The Piotroski F-Score is 5/9, and the provided revenue growth is -8.01% even though filed annual revenue expanded from $99.2M in fiscal year 2023 to $141.1M in fiscal year 2025. The Lynch category is FAST GROWER, based on 23.3% annual profit growth over five years, yet the PEG of 1.84 says the price already reflects much of that. At 9.34 times earnings, the market is not paying much for current profits, but 2.89 times book demands continued high returns. This looks like a well-run niche bank at a fair-to-attractive price, not a classic Graham bargain. I would want capital and credit details before trusting the 29.63% ROE through a cycle.

In plain English: The Bancorp is a small U.S. bank holding company that takes deposits and makes loans to businesses and advisors. It looks quite profitable, and yearly earnings have risen, but revenue slipped in the latest measure. The shares look modestly priced compared with yearly profit but expensive compared with the company's accounting net worth, so the price looks fair rather than clearly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer