Bancorp (TBBK)

Market Price (11/10/2026): $49.75 | Market Cap: $2.0 BilSector: Financials | Industry: Regional Banks

Bancorp (TBBK)

Market Price (11/10/2026): $49.75
Market Cap: $2.0 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.5%, FCF Yield is 10%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%

Low stock price volatility
Vol 12M is 43%

Capital ratio is >2x the minimum of 6%
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14%

Uninsured deposits are low
Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 2.9%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Digital Payments, Online Banking & Lending, Show more.

Weak multi-year price returns
2Y Excs Rtn is -27%, 3Y Excs Rtn is -42%

Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.7%

Short seller report
Culper Research report on 11/28/2024.

Key risks
TBBK key risks include [1] a securities class action lawsuit alleging misleading financial statements, Show more.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.5%, FCF Yield is 10%
1	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%
2	Low stock price volatility Vol 12M is 43%
3	Capital ratio is >2x the minimum of 6% Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 14%
4	Uninsured deposits are low Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 2.9%
5	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments, and Digital & Alternative Assets. Themes include Digital Payments, Online Banking & Lending, Show more.
6	Weak multi-year price returns 2Y Excs Rtn is -27%, 3Y Excs Rtn is -42%
7	Weak revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.7%
8	Short seller report Culper Research report on 11/28/2024.
9	Key risks TBBK key risks include [1] a securities class action lawsuit alleging misleading financial statements, Show more.

TBBK in ETFs

Weight = TBBK's share of each fund

VTI0.00%

ITOT0.00%

IWM0.07%

IJR0.10%

KRE0.76%

SLYG0.23%

IJT0.22%

AVUV0.20%

+11 more covered ETFs

Valuation & Metrics

FYE: 12/31	Forward FYE		Now	Historical (CYE & TTM)
	2027	2026	11/10/26	2025	2024	2023	2022
Share Price			$49.75	$67.52	$52.63	$38.56	$28.38
Mkt Cap ($ Bil)			2.0	2.9	2.5	2.1	1.6
+ Debt ($ Bil)			0.2	0.2	0.1	0.1	0.1
- Cash ($ Bil)			0.1	0.1	0.6	1.0	0.9
TEV ($ Bil)			2.1	3.1	2.6	2.2	1.7
Valuation Ratios
P/S	3.0	3.2	3.0	4.2	4.7	4.5	4.5
P/EBIT	4.3	5.3	-	-	-	-	-
P/E	5.8	7.1	8.4	12.8	11.6	10.7	12.2
P/FCF	—	—	9.8	11.5	12.4	11.9	13.9
Sector Ratios (* = sector average)
P/S *			3.2	3.1	3.1	2.7	2.8
P/EBIT *			6.6	7.9	8.5	7.7	7.2
P/E *			11.2	11.1	11.8	10.0	9.5
P/FCF *			8.5	9.0	8.7	7.7	6.4

FYE: 12/31	Forward FYE		Now
	2027	2026	11/10/26
Share Price			$49.75
Mkt Cap ($ Bil)			2.0
+ Debt ($ Bil)			0.2
- Cash ($ Bil)			0.1
TEV ($ Bil)			2.1
Valuation Ratios
P/S	3.0	3.2	3.0
P/EBIT	4.3	5.3	-
P/E	5.8	7.1	8.4
P/FCF	—	—	9.8
Sector Ratios (* = sector average)
P/S *			3.2
P/EBIT *			6.6
P/E *			11.2
P/FCF *			8.5

FYE: 12/31	TBBK [1]	S&P 500 [2]
REVENUE GROWTH
LTM Revenue [3]	$673.3 Mil	—
FY 2026 Sales	$613.1 Mil	—
FY 2027 Sales	$665.6 Mil	—
FY 2026 Sales Growth	-8.9%	—
FY 2027 Sales Growth	8.6%	8.6%
EARNINGS
LTM Net Income (GAAP) [3]	$239.8 Mil	—
FY 2026 Net Income (Non-GAAP)	$280.4 Mil	—
FY 2027 Net Income (Non-GAAP)	$342.3 Mil	—
FY 2027 Net Income Growth	22.0%	13.0%
FY 2026 EPS (Non-GAAP)	$5.98	—
FY 2027 EPS (Non-GAAP)	$7.37	—
FY 2027 EPS Growth	23.3%	—
VALUATION
FY 2026 P/S	3.2	1.7
FY 2027 P/S	3.0	—
FY 2026 P/E	7.1	8.7
FY 2027 P/E	5.8	—

[1] TBBK forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
[2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 11/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
[3] LTM = reported trailing-twelve-month actuals (GAAP).

	TBBK	S&P 500
REVENUE GROWTH
Rev LTM ($ Bil)	0.7
Rev Chg Q	0.7%	8.8%
Rev Chg LTM	-2.7%	8.6%
Rev Chg 3Y Avg	16.0%	6.5%
PROFITABILITY	VERY GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.2
Net Inc LTM ($ Bil)	0.2
CFO/Rev LTM	31.7%	21.4%
Net Inc Mgn	35.6%	13.5%
VALUATION	LOW
P/S	3.0	3.2
P/CFO	9.5	15.2
P/FCF	9.8	20.4
P/E	8.4	22.3

AI Analysis | Feedback

Metric	Value	Date	Source
Gross Dollar Volume (	$44.04 billion	9302025	Link
Specialized lending portfolio total	$6.7 billion	9302025	Link

Price Chart

Recent
10/29/2026	Earnings Release	Rev: $135 Mil (A) vs. $154 Mil (E) EPS: 1.47 (A) vs. $1.47 (E)
Upcoming
1/28/2027	Earnings Release	Rev: $164 Mil (E) EPS: $1.70 (E)

Why The Stock Moved

Qualitative Assessment

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Updated on 11/1/2026

Bancorp (TBBK) stock has lost about 25% since 7/31/2026 because of the following key factors:

1. Significant Loss of Key Fintech Partner.

The Bancorp's stock experienced a sharp decline of 23.16% on September 9, 2026, when its long-standing fintech partner, Chime, announced its acquisition of Stride Bank. This acquisition signaled Chime's intent to consolidate its banking operations in-house by the first half of 2027, threatening a material revenue stream for Bancorp, which has historically provided private-label banking and sponsor-bank services to Chime.

2. Net Interest Margin (NIM) Compression.

Despite strong earnings per share growth in fiscal Q3 2026, The Bancorp faced pressure from net interest margin (NIM) compression. The company's NIM decreased to 3.75% in fiscal Q3 2026, down from 4.45% in fiscal Q3 2025. This contributed to a $4.1 million decrease in net interest income compared to the prior year, primarily due to $3.3 million higher interest costs for deposits and liabilities, alongside a $4.6 million increase in short-term borrowing interest to fund new loans.

3. Restructuring Costs and Workforce Reduction.

In fiscal Q3 2026, The Bancorp incurred approximately $5 million in restructuring costs and announced a reduction of 80 positions. These actions, while aimed at streamlining operations and enhancing future profitability, contributed to non-interest expenses in the quarter and were related to the restructuring of its Small Business Lending business line and other departmental reductions.

4. Broader Market Headwinds from Rising Interest Rates.

The broader banking sector and interest-sensitive equities, including small-cap stocks, faced headwinds from rising interest rates and spiking bond yields during fiscal Q3 2026. The Federal Reserve raised its Federal Funds rate on September 16, 2026, for the first time since 2023, causing long-bond yields to spike and putting pressure on stock valuations as higher rates can reduce the present value of future earnings.

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Stock Movement Drivers

Fundamental Drivers

The -25.8% change in TBBK stock from 7/31/2026 to 11/9/2026 was primarily driven by a -30.9% change in the company's P/E Multiple.

(LTM values as of)	7312026	11092026	Change
Stock Price ($)	67.07	49.79	-25.8%
Change Contribution By:
Total Revenues ($ Mil)	690	673	-2.4%
Net Income Margin (%)	33.5%	35.6%	6.3%
P/E Multiple	12.2	8.4	-30.9%
Shares Outstanding (Mil)	42	41	3.6%
Cumulative Contribution			-25.8%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/9/2026

	Return	Correlation
TBBK	-25.8%
Market (SPY)	0.8%	25.7%
Sector (XLF)	1.8%	25.5%

Fundamental Drivers

The -16.8% change in TBBK stock from 4/30/2026 to 11/9/2026 was primarily driven by a -25.8% change in the company's P/E Multiple.

(LTM values as of)	4302026	11092026	Change
Stock Price ($)	59.83	49.79	-16.8%
Change Contribution By:
Total Revenues ($ Mil)	704	673	-4.3%
Net Income Margin (%)	32.4%	35.6%	9.8%
P/E Multiple	11.4	8.4	-25.8%
Shares Outstanding (Mil)	43	41	6.7%
Cumulative Contribution			-16.8%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/9/2026

	Return	Correlation
TBBK	-16.8%
Market (SPY)	5.0%	20.7%
Sector (XLF)	11.6%	34.2%

Fundamental Drivers

The -23.8% change in TBBK stock from 10/31/2025 to 11/9/2026 was primarily driven by a -37.8% change in the company's P/E Multiple.

(LTM values as of)	10312025	11092026	Change
Stock Price ($)	65.37	49.79	-23.8%
Change Contribution By:
Total Revenues ($ Mil)	643	673	4.7%
Net Income Margin (%)	34.9%	35.6%	2.0%
P/E Multiple	13.6	8.4	-37.8%
Shares Outstanding (Mil)	47	41	14.5%
Cumulative Contribution			-23.8%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/9/2026

	Return	Correlation
TBBK	-23.8%
Market (SPY)	11.3%	31.1%
Sector (XLF)	12.1%	44.7%

Fundamental Drivers

The 39.7% change in TBBK stock from 10/31/2023 to 11/9/2026 was primarily driven by a 59.6% change in the company's Total Revenues ($ Mil).

(LTM values as of)	10312023	11092026	Change
Stock Price ($)	35.65	49.79	39.7%
Change Contribution By:
Total Revenues ($ Mil)	422	673	59.6%
Net Income Margin (%)	40.0%	35.6%	-11.1%
P/E Multiple	11.6	8.4	-27.0%
Shares Outstanding (Mil)	55	41	34.9%
Cumulative Contribution			39.7%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/9/2026

	Return	Correlation
TBBK	39.7%
Market (SPY)	86.2%	43.0%
Sector (XLF)	87.1%	55.8%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
TBBK Return	85%	12%	36%	36%	28%	-26%	265%
Peers Return	38%	-56%	44%	-15%	30%	0%	-3%
S&P 500 Return	27%	-19%	24%	23%	16%	8%	96%
Monthly Win Rates [3]
TBBK Win Rate	75%	33%	58%	67%	50%	45%
Peers Win Rate	51%	33%	60%	40%	57%	53%
S&P 500 Win Rate	75%	42%	67%	75%	67%	36%
Max Drawdowns [4]
TBBK Max Drawdown	-29%	-48%	-30%	-36%	-35%	-36%
Peers Max Drawdown	-26%	-62%	-46%	-39%	-32%	-26%
S&P 500 Max Drawdown	-5%	-25%	-10%	-8%	-19%	-9%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: GDOT, PATH, MQ, AX, CUBI.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/9/2026 (YTD)

Event	TBBK	S&P 500
2025 US Tariff Shock
% Loss	-31.8%	-18.8%
% Gain to Breakeven	46.6%	23.1%
Time to Breakeven	92 days	79 days
Summer-Fall 2023 Five Percent Yield Shock
% Loss	-19.3%	-9.5%
% Gain to Breakeven	24.0%	10.5%
Time to Breakeven	21 days	24 days
2023 SVB Regional Banking Crisis
% Loss	-27.1%	-6.7%
% Gain to Breakeven	37.2%	7.1%
Time to Breakeven	86 days	31 days
2022 Inflation Shock & Fed Tightening
% Loss	-35.0%	-24.5%
% Gain to Breakeven	53.9%	32.4%
Time to Breakeven	60 days	427 days
2020 COVID-19 Crash
% Loss	-73.5%	-33.7%
% Gain to Breakeven	277.4%	50.9%
Time to Breakeven	265 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-20.6%	-19.2%
% Gain to Breakeven	25.9%	23.8%
Time to Breakeven	123 days	105 days

Compare to GDOT, PATH, MQ, AX, CUBI

In The Past

Bancorp's stock fell -31.8% during the 2025 US Tariff Shock. Such a loss loss requires a 46.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

Event	TBBK	S&P 500
2025 US Tariff Shock
% Loss	-31.8%	-18.8%
% Gain to Breakeven	46.6%	23.1%
Time to Breakeven	92 days	79 days
2023 SVB Regional Banking Crisis
% Loss	-27.1%	-6.7%
% Gain to Breakeven	37.2%	7.1%
Time to Breakeven	86 days	31 days
2022 Inflation Shock & Fed Tightening
% Loss	-35.0%	-24.5%
% Gain to Breakeven	53.9%	32.4%
Time to Breakeven	60 days	427 days
2020 COVID-19 Crash
% Loss	-73.5%	-33.7%
% Gain to Breakeven	277.4%	50.9%
Time to Breakeven	265 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-20.6%	-19.2%
% Gain to Breakeven	25.9%	23.8%
Time to Breakeven	123 days	105 days
2016-2017 Trump Reflation Bond Selloff
% Loss	-27.1%	-3.7%
% Gain to Breakeven	37.2%	3.9%
Time to Breakeven	37 days	6 days
2015-2016 China Devaluation / Global Growth Scare
% Loss	-49.4%	-12.2%
% Gain to Breakeven	97.5%	13.9%
Time to Breakeven	317 days	62 days
2014-2016 Oil Price Collapse
% Loss	-58.1%	-6.8%
% Gain to Breakeven	138.6%	7.3%
Time to Breakeven	647 days	15 days
2011 US Debt Ceiling Crisis & European Contagion
% Loss	-29.0%	-17.9%
% Gain to Breakeven	40.9%	21.8%
Time to Breakeven	175 days	123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
% Loss	-24.1%	-15.4%
% Gain to Breakeven	31.8%	18.2%
Time to Breakeven	142 days	125 days
2008-2009 Global Financial Crisis
% Loss	-84.0%	-53.4%
% Gain to Breakeven	526.6%	114.4%
Time to Breakeven	1561 days	1085 days
Summer 2007 Credit Crunch
% Loss	-20.1%	-8.6%
% Gain to Breakeven	25.1%	9.5%
Time to Breakeven	4966 days	47 days

Compare to GDOT, PATH, MQ, AX, CUBI

In The Past

Bancorp's stock fell -31.8% during the 2025 US Tariff Shock. Such a loss loss requires a 46.6% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Bancorp (TBBK)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

The Bancorp, Inc. (TBBK) operates as a financial holding company through its subsidiary, The Bancorp Bank, providing a comprehensive range of banking products and services throughout the United States. Established in 1999, the company serves a diverse client base by blending traditional banking with specialized financial solutions.

The company's core offerings include a variety of deposit products such as checking, savings, money market, and commercial accounts, along with prepaid and debit card services. On the lending and financing side, Bancorp provides securities-backed and insurance policy cash value-backed lines of credit, extensive vehicle and equipment leasing services for commercial fleets, and a range of real estate loans including bridge lending, SBA, commercial mortgage-backed, and commercial real estate loans.

Beyond these, Bancorp specializes in unique services such as private label banking, enabling other organizations to offer banking services under their own brand. It also provides credit and debit card payment processing for independent service organizations (ISOs) and offers institutional banking services. The company leverages internet banking to deliver its varied financial products, catering to businesses and individuals seeking both conventional and niche banking solutions.

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Here are 1-3 brief analogies for Bancorp (TBBK):

Shopify for banking: Just as Shopify provides the e-commerce platform for businesses to sell products under their own brand, Bancorp provides the underlying banking infrastructure and services for other companies (often FinTechs) to offer banking products to their customers under their own brand.
The "Intel Inside" for FinTech companies: Bancorp often acts as the essential, behind-the-scenes technology and regulated banking partner, powering financial services offered by other companies that the end-customer interacts with directly.

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Deposit Accounts: Offers checking, savings, money market, and commercial accounts.
Cards: Provides prepaid and debit cards.
Securities & Insurance-Backed Lines of Credit: Offers lines of credit collateralized by securities or insurance policy cash values.
Commercial & Real Estate Lending: Provides various loans including real estate bridge, Small Business Administration (SBA), commercial mortgage-backed, and commercial real estate loans.
Commercial Leasing: Offers vehicle fleet, equipment, and commercial fleet leasing services.
Institutional Banking Services: Delivers specialized banking services tailored for institutional clients.
Private Label Banking: Provides banking services designed to be offered under another company's brand.
Payment Processing Services: Offers credit and debit card payment processing for independent service organizations.
Internet Banking Services: Provides online platforms for managing banking activities.

AI Analysis | Feedback

The Bancorp (TBBK) primarily sells its banking products and services to other companies rather than directly to individuals. While the provided company description does not name specific customer companies, it outlines the types of businesses that utilize Bancorp's services.

Major categories of Bancorp's business customers include:

Companies Utilizing Private Label Banking: The Bancorp acts as the underlying bank for various financial technology (FinTech) companies and other brands that offer banking products and services under their own names. These partners leverage The Bancorp's banking infrastructure to provide services like checking, savings, and prepaid/debit cards to their own customers.
Independent Service Organizations (ISOs): Bancorp provides credit and debit card payment processing services to these organizations.
Commercial Businesses: This broad category includes enterprises that utilize Bancorp for services such as institutional banking, commercial accounts, vehicle and equipment leasing (especially commercial fleets), real estate bridge lending, Small Business Administration (SBA) loans, commercial mortgage-backed loans, and other commercial real estate loans.

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Major Suppliers of The Bancorp, Inc. (TBBK)

Fiserv, Inc. (FISV)
Visa Inc. (V)
Mastercard Incorporated (MA)

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Damian M. Kozlowski - Chief Executive Officer

Mr. Kozlowski joined The Bancorp in June 2016. He previously served as Chief Executive Officer, President, and Director of Modern Bank, N.A. from 2010 to 2016. From 2007 to 2010, he founded and served as Chairman and Chief Executive Officer of Alpha Capital Financial Group, Inc., a private equity firm. Between 2000 and 2007, he held several executive positions at Citigroup Private Bank, including CEO of Global Private Bank, President of US Private Bank, Chief Operating Officer/Chief Financial Officer, and Global Head of Business Development & Strategy. His career also includes experience in investment banking leadership at Bank of America Securities. He has deep expertise in private equity, wealth management, and investment banking.

Dominic C. Canuso - Executive Vice President and Chief Financial Officer

Mr. Canuso was appointed Chief Financial Officer on November 3, 2025, and also serves as Principal Accounting Officer. He brings over 25 years of experience in financial services. Prior to joining The Bancorp, he served as Chief Financial Officer at Capital Bank, and before that, as Chief Financial Officer at WSFS Bank for seven years. His earlier experience includes leadership roles at Barclays Bank Delaware and Advanta Bank Corporation.

Gregor J. Garry - Chief Operating Officer and Executive Vice President

Gregor J. Garry serves as the Chief Operating Officer and Executive Vice President for The Bancorp.

Maria Wainwright - Executive Vice President and Chief Marketing Officer

Maria Wainwright holds the position of Executive Vice President and Chief Marketing Officer at The Bancorp. She is based in Radnor, Pennsylvania.

Jennifer F. Terry - Executive Vice President and Chief Human Resources Officer

Jennifer F. Terry is the Executive Vice President and Chief Human Resources Officer at The Bancorp.

AI Analysis | Feedback

Key Risks:

Concentration in Fintech Partner Relationships: The Bancorp Inc. heavily relies on a limited number of fintech partner relationships for a significant portion of its deposits and fee income, with 91% of total deposits sourced from Fintech Solutions. This presents a concentration risk, making the company vulnerable to changes in partner business strategies, market dynamics, regulatory environments, or disruptions to these key partnerships.
Credit Risk and Asset Quality, particularly Real Estate Bridge Loans (REBL): The company faces significant credit risk, especially concerning its real estate bridge loan (REBL) portfolio. Reports have alleged that Bancorp has underrepresented the risks of default and loss on these loans, with some claims pointing to issues like crumbling properties and high vacancies. Investor concerns have risen due to increased net charge-offs and potential exposure to the private credit market. The adequacy of its current expected credit loss methodology has also been questioned, leading to legal actions and increased provisions for credit losses.
Regulatory and Compliance Risks: As a financial institution deeply involved in fintech solutions and banking services, The Bancorp Inc. is subject to extensive regulatory requirements and scrutiny. Risks include potential changes in policies, increased compliance costs, and challenges arising from heightened regulatory oversight of bank-fintech partnerships. The company also strategically manages its balance sheet to remain under $10 billion in assets to benefit from the Durbin Amendment, which could limit growth opportunities. Recent issues such as delayed annual reports and questions regarding the reliance on its financial statements due to auditor concerns highlight ongoing regulatory and internal control vulnerabilities.

AI Analysis | Feedback

The clear emerging threat to Bancorp (TBBK) is the rapid rise and expansion of **fintech companies and digital-first neobanks**.

These agile, technology-driven entities directly compete across multiple core business segments of Bancorp by offering streamlined, often lower-cost, and more user-friendly digital alternatives for banking products and services.
For instance, neobanks offer competitive checking, savings, and money market accounts with advanced mobile features, challenging Bancorp's deposit-gathering capabilities.
Fintech payment processors and digital wallets provide innovative and often more efficient solutions for credit and debit card payment processing and card services, threatening Bancorp's offerings in this space.
Online lenders and specialized lending platforms, also a part of the fintech ecosystem, provide faster and more accessible capital for small businesses, real estate, and other commercial needs, directly competing with Bancorp's diverse lending portfolio, including vehicle leasing, real estate bridge lending, and SBA loans.

AI Analysis | Feedback

Bancorp (TBBK) Addressable Markets

Addressable Markets for Bancorp (TBBK) Main Products and Services (U.S.)

Prepaid Cards: The U.S. prepaid card market size was USD 1.76 trillion in 2024, projected to reach USD 10.62 trillion by 2034.
Debit Cards (Purchase Volume): The purchase volume on debit cards in the United States was $4.3 trillion in 2023.
Securities-Backed Lines of Credit: null
Insurance Policy Cash Value-Backed Lines of Credit: null
Equipment Leasing and Financing: The U.S. equipment leasing and finance industry, encompassing loans, leases, and lines of credit for equipment and software, amounted to $1.34 trillion in 2023.
- Automotive Fleet Leasing: The U.S. automotive fleet leasing market was valued at USD 10.12 billion in 2024.
- Industrial Equipment Rental & Leasing: The market size for industrial equipment rental and leasing in the U.S. was $54.1 billion in 2024.
Commercial Real Estate Lending (including bridge, commercial mortgage-backed, and commercial real estate loans): The U.S. commercial real estate mortgage market for income-producing properties was approximately $4.5 trillion in 2023, with an additional $467 billion in construction loans.
Small Business Administration (SBA) Loans: The U.S. small business loan market was valued at $245.39 billion in 2023, with SBA 7(a) and 504 funding totaling $37.8 billion in fiscal year 2024.
Private Label Banking: The United States private banking market was valued at USD 266.44 billion in 2024.
Credit and Debit Card Payment Processing Services: The U.S. payment processing solutions market generated a revenue of USD 16.0003 billion in 2023.
Deposit Products and Services (checking, savings, money market, and commercial accounts): null
Institutional Banking Services: null
Internet Banking Services: null

AI Analysis | Feedback

The Bancorp, Inc. (TBBK) is expected to drive future revenue growth over the next 2-3 years through several key initiatives:

Continued Expansion of the FinTech Ecosystem: The company's FinTech ecosystem has been a primary driver of revenue growth, with significant increases in Gross Dollar Volume (GDV) and total fee and related interest income from FinTech activities. This ecosystem is central to the company's strategy for new revenue growth and improved profitability.
Expanded Partnership with Block (Cash App): A five-year expansion of The Bancorp's relationship with Block, which includes adding debit and prepaid card issuance and related services for Cash App customers, is anticipated to begin as early as the first quarter of 2026. This program is expected to significantly enhance growth and boost GDV and fee revenue in 2026–2027.
Growth in Credit Sponsorship Balances and New Partnerships: The Bancorp has seen substantial growth in its credit sponsorship balances, exceeding $1.1 billion. The company aims to add at least two new partners in the near future, which will further contribute to revenue generation through these programs.
Launch of Embedded Finance Platform: The Bancorp's embedded finance platform is slated for an early 2026 launch. This new platform is expected to be a meaningful contributor to future revenue streams.
Efficiency and Productivity Gains from Platform Restructuring and AI Tools: The company plans to implement AI-driven improvements in 2026-2027 and leverage platform restructuring to gain efficiencies and productivity. These efforts are expected to contribute to overall profitability and, by optimizing operations, can indirectly support revenue growth.

AI Analysis | Feedback

Share Repurchases

The Bancorp's Board of Directors authorized an increase in its share repurchase program by $500 million through year-end 2026, allocating $300 million for the third and fourth quarters of 2025 and an additional $200 million for 2026.
In 2024, the company repurchased $250.0 million worth of common stock under its 2024 Repurchase Program.
For the full year 2025, The Bancorp completed $375 million in share repurchases, including $150 million in the fourth quarter.

Share Issuance

No significant share issuances were reported; instead, the number of outstanding shares decreased by 8.46% in one year and 8% between September 2024 and September 2025 due to repurchases.

Capital Expenditures

Capital expenditures for Q4 2025 were $5.2 million, representing a 717.7% increase from the prior quarter, directed towards long-term assets and infrastructure.
In 2024, capital expenditures were minimal, approximately $0.13 per share.
A primary focus of capital expenditures is continuous investment in technology and AI to drive innovation, improve operational efficiency, and enhance customer experiences, as well as developing robust infrastructure for its fintech solutions.

Interactive Breakdown

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Better Bets vs. Bancorp (TBBK)

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Peer Outperformance in Regional Banks

TBBK has outperformed 52% of its 263 Regional Banks peers over 5Y. Among the peers that beat it is MBIN. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.

Share of Regional Banks constituents that TBBK has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.

of 282 industry peers · -20.0% return

of 273 industry peers · 32.6% return

52%

of 263 industry peers · 53.7% return

Regional Banks peers with revenue growth within 4pp of TBBK's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.

Ticker	Name	Rev Growth 3Y Avg	P/E	1Y	3Y	5Y	5Y Gap
TBBK	Bancorp	16.0%	8.4x	-20.0%	32.6%	53.7%	—
MBIN	Merchants Bancorp	13.9%	7.7x	71.1%	74.1%	78.6%	+25pp

Price returns, excluding dividends. P/E shown for context only and not used for matching.

Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is TBBK's own industry. Use this to see which corners of the sector have carried the returns.

Industry	Names	1Y med	3Y med	5Y med	Top 3 by 5Y
Reinsurance	6	29.9%	70.2%	119.9%	SPNT 174% · RGA 166% · RNR 132%
Diversified Banks	12	31.7%	143.1%	92.9%	CM 147% · JPM 131% · RY 130%
Investment Banking & Brokerage	13	-3.5%	93.4%	90.2%	IBKR 337% · SNEX 169% · GS 152%
Multi-Sector Holdings	4	32.0%	62.9%	88.0%	BRK-B 101% · VOYA 75% · JEF 42%
Life & Health Insurance	20	10.4%	58.7%	85.1%	JXN 527% · UNM 261% · FG 240%
Property & Casualty Insurance	42	15.6%	69.9%	69.1%	TRV 176% · ACGL 171% · PGR 166%
Multi-line Insurance	9	8.4%	71.7%	58.9%	AIZ 115% · GNW 106% · L 94%
Regional Banks ←	264	31.6%	93.8%	48.6%	CBC 279% · FCNCA 179% · NIC 141%
Insurance Brokers	15	1.6%	9.0%	28.6%	LIFE 317% · ARX 89% · WTW 50%
Financial Exchanges & Data	15	18.4%	30.2%	15.1%	CBOE 187% · VIRT 148% · CME 69%
Asset Management & Custody Banks	85	-5.8%	18.3%	6.3%	VCTR 254% · WT 235% · AAMI 221%
Diversified Financial Services	4	-2.6%	23.3%	5.8%	FRHC 148% · EQH 82%
Commercial & Residential Mortgage Finance	14	-41.7%	28.1%	4.5%	FNMA 350% · FMCC 313% · ACT 161%
Consumer Finance	30	1.8%	77.8%	-2.1%	ENVA 319% · FCFS 133% · AXP 92%
Specialized Finance	3	26.9%	30.4%	-18.7%	CACC -19% · HASI -21%
Transaction & Payment Processing Services	17	23.2%	12.5%	-23.3%	V 105% · MA 96% · CPAY 88%
Mortgage REITs	34	-18.9%	-10.5%	-38.1%	RITM 37% · DX 18% · AGNC 13%
Diversified Capital Markets	20	-48.7%	-14.1%	-69.3%	LPLA 90% · TW 37% · RIOT -56%

Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Is Bancorp Stock Built to Withstand a Pullback?	10/17/2025
2	Day 8 of Gains Streak for Bancorp Stock with 19% Return (vs. 48% YTD) [8/28/2025]	08/29/2025
3	Day 7 of Gains Streak for Bancorp Stock with 17% Return (vs. 46% YTD) [8/27/2025]	08/28/2025
4	Day 6 of Gains Streak for Bancorp Stock with 16% Return (vs. 44% YTD) [8/26/2025]	08/27/2025
5	Day 5 of Gains Streak for Bancorp Stock with 13% Return (vs. 41% YTD) [8/25/2025]	08/26/2025
6	Why Bancorp Stock Moved: TBBK Stock Has Gained 172% Since 2021 Fiscal End, Primarily Due To Favorable Change In Revenues	08/08/2025
7	Bancorp (TBBK) Valuation Ratios Comparison	08/08/2025
8	TBBK Dip Buy Analysis	07/10/2025
9	Time To Buy Bancorp Stock?	02/28/2025
10	Bancorp (TBBK) Operating Cash Flow Comparison	02/17/2025
11	ARTICLES
12	Market Movers \| Winners: IRD, FTK, BAND \| Losers: TTAN, TBBK, OCGN	09/10/2026
13	Small Cap Stocks Trading At 52-Week High	09/19/2025
14	TBBK Stock Up 19% after 8-Day Win Streak	08/29/2025
15	TBBK Stock Up 17% after 7-Day Win Streak	08/27/2025
16	TBBK Stock Up 16% after 6-Day Win Streak	08/26/2025

	Title
0	DASHBOARDS
1	Is Bancorp Stock Built to Withstand a Pullback?
2	Day 8 of Gains Streak for Bancorp Stock with 19% Return (vs. 48% YTD) [8/28/2025]
3	Day 7 of Gains Streak for Bancorp Stock with 17% Return (vs. 46% YTD) [8/27/2025]
4	Day 6 of Gains Streak for Bancorp Stock with 16% Return (vs. 44% YTD) [8/26/2025]
5	Day 5 of Gains Streak for Bancorp Stock with 13% Return (vs. 41% YTD) [8/25/2025]
6	Why Bancorp Stock Moved: TBBK Stock Has Gained 172% Since 2021 Fiscal End, Primarily Due To Favorable Change In Revenues
7	Bancorp (TBBK) Valuation Ratios Comparison
8	TBBK Dip Buy Analysis
9	Time To Buy Bancorp Stock?
10	Bancorp (TBBK) Operating Cash Flow Comparison
11	ARTICLES
12	Market Movers \| Winners: IRD, FTK, BAND \| Losers: TTAN, TBBK, OCGN
13	Small Cap Stocks Trading At 52-Week High
14	TBBK Stock Up 19% after 8-Day Win Streak
15	TBBK Stock Up 17% after 7-Day Win Streak
16	TBBK Stock Up 16% after 6-Day Win Streak

Trade Ideas

Select ideas related to TBBK.

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JANX	Janux Therapeutics	0.8	-27.6%	-7.5%
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EVC	Entravision Communications	0.9	44.2%	226.5%
VCEL	Vericel	3.0	44.1%	62.1%
BKSY	BlackSky Technology	0.9	43.6%	27.5%

Top Losers

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VCYT	Veracyte	2.1	-47.1%	-38.4%
MNTN	MNTN	0.4	-44.8%	-56.5%
GTN-A	Gray Media	0.6	-40.8%	-49.2%
NRIX	Nurix Therapeutics	1.8	-37.2%	-14.9%
PCT	PureCycle Technologies	0.4	-36.6%	-76.0%
STLN	Starling Oncology	0.4	-36.0%	-22.6%
PRAA	PRA	0.5	-35.6%	-28.2%
AESI	Atlas Energy Solutions	0.7	-32.7%	-41.2%
ADTN	Adtran	0.3	-31.7%	-50.6%
KRT	Karat Packaging	0.7	-31.2%	69.0%

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BMBL	Bumble	0.8	135.4%	67.5%
SGRY	Surgery Partners	3.4	90.4%	71.2%
LQDA	Liquidia	4.3	74.8%	38.8%
ONT	Onterris	0.8	70.8%	-5.0%
ULH	Universal Logistics	0.8	70.7%	98.5%
GDYN	Grid Dynamics	1.1	67.3%	47.3%
REPL	Replimune	2.3	65.9%	129.0%
VRDN	Viridian Therapeutics	3.3	61.8%	-3.0%
ENOV	Enovis	1.6	61.3%	7.1%
UPBD	Upbound	1.4	60.3%	50.4%

Top Losers

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AESI	Atlas Energy Solutions	0.7	-54.9%	-41.2%
AAOI	Applied Optoelectronics	4.2	-52.5%	49.5%
FRMI	Fermi	1.1	-51.6%	-79.2%
DJT	Trump Media & Technology	1.1	-49.9%	-69.3%
CIFR	Cipher Digital	2.8	-49.6%	-53.9%
MNTN	MNTN	0.4	-49.1%	-56.5%
PCT	PureCycle Technologies	0.4	-47.4%	-76.0%
LITE	Lumentum	50.9	-46.0%	61.7%
FSLY	Fastly	2.5	-45.5%	57.0%
IOVA	Iovance Biotherapeutics	3.7	-44.1%	199.3%

Peer Comparisons

Peers to compare with:

Financials

	TBBK	GDOT	PATH	MQ	AX	CUBI	Median
Name	Bancorp	Green Dot	UiPath	Marqeta	Axos Fin.	Customer.
Mkt Price	49.75	12.59	12.99	18.40	93.27	85.59	34.08
Mkt Cap	2.0	0.7	6.8	1.9	5.3	2.9	2.5
Rev LTM	673	2,270	1,721	690	1,463	914	1,188
Op Inc LTM	-	24	153	4	-	-	24
FCF LTM	206	83	363	106	291	204	205
FCF 3Y Avg	221	54	333	81	332	139	180
CFO LTM	214	156	373	139	558	321	267
CFO 3Y Avg	227	128	347	108	451	240	234

Growth & Margins

	TBBK	GDOT	PATH	MQ	AX	CUBI	Median
Name	Bancorp	Green Dot	UiPath	Marqeta	Axos Fin.	Customer.
Rev Chg LTM	-2.7%	17.7%	15.0%	17.2%	17.8%	26.9%	17.5%
Rev Chg 3Y Avg	16.0%	15.8%	14.5%	0.6%	18.0%	10.7%	15.2%
Rev Chg Q	0.7%	18.2%	13.4%	7.9%	18.3%	3.3%	10.6%
QoQ Delta Rev Chg LTM	0.2%	4.2%	2.9%	1.9%	4.1%	0.8%	2.4%
Op Inc Chg LTM	-	-70.2%	430.0%	104.9%	-	-	104.9%
Op Inc Chg 3Y Avg	-	6.7%	174.7%	38.4%	-	-	38.4%
Op Mgn LTM	-	1.0%	8.9%	0.5%	-	-	1.0%
Op Mgn 3Y Avg	-	0.7%	-2.7%	-7.1%	-	-	-2.7%
QoQ Delta Op Mgn LTM	-	-0.7%	2.8%	2.4%	-	-	2.4%
CFO/Rev LTM	31.7%	6.9%	21.7%	20.2%	38.1%	35.1%	26.7%
CFO/Rev 3Y Avg	37.3%	6.6%	22.7%	17.7%	35.4%	30.2%	26.5%
FCF/Rev LTM	30.5%	3.7%	21.1%	15.4%	19.9%	22.3%	20.5%
FCF/Rev 3Y Avg	36.3%	2.6%	21.8%	13.2%	26.7%	17.4%	19.6%

Valuation

	TBBK	GDOT	PATH	MQ	AX	CUBI	Median
Name	Bancorp	Green Dot	UiPath	Marqeta	Axos Fin.	Customer.
Mkt Cap	2.0	0.7	6.8	1.9	5.3	2.9	2.5
P/S	3.0	0.3	3.9	2.8	3.6	3.2	3.1
P/Op Inc	-	30.0	44.1	516.8	-	-	44.1
P/EBIT	-	30.0	44.1	516.8	-	-	44.1
P/E	8.4	-27.5	18.7	14.8	10.8	9.8	10.3
P/CFO	9.5	4.6	18.1	13.8	9.5	9.0	9.5
Total Yield	11.8%	-3.6%	5.4%	6.7%	9.2%	10.2%	8.0%
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
FCF Yield 3Y Avg	8.5%	7.6%	5.2%	3.9%	7.5%	5.0%	6.3%
D/E	0.1	0.1	0.0	0.0	0.2	0.8	0.1
Net D/E	0.1	-1.5	-0.2	-0.4	-0.0	-0.6	-0.3

Returns

	TBBK	GDOT	PATH	MQ	AX	CUBI	Median
Name	Bancorp	Green Dot	UiPath	Marqeta	Axos Fin.	Customer.
1M Rtn	3.1%	-0.2%	-3.6%	1.6%	5.5%	15.6%	2.4%
3M Rtn	-27.8%	-5.1%	-16.7%	17.9%	-6.0%	3.9%	-5.5%
6M Rtn	-9.7%	1.4%	21.9%	13.4%	9.1%	15.5%	11.3%
12M Rtn	-20.1%	8.9%	-9.2%	-0.6%	15.2%	26.7%	4.1%
3Y Rtn	32.5%	62.7%	-24.9%	-21.6%	157.4%	107.0%	47.6%
1M Excs Rtn	8.7%	5.4%	1.9%	7.2%	11.0%	21.2%	7.9%
3M Excs Rtn	-23.8%	-1.6%	-12.8%	22.7%	-2.4%	7.8%	-2.0%
6M Excs Rtn	-9.2%	1.9%	22.3%	13.9%	9.6%	16.0%	11.8%
12M Excs Rtn	-28.9%	-2.6%	-17.9%	-15.5%	7.4%	18.6%	-9.1%
3Y Excs Rtn	-41.7%	-63.6%	-92.6%	-86.6%	63.1%	33.8%	-52.7%

FDIC Bank Data

Bank Capital

FDIC Data As Of	3312026
CAPITAL
Equity Total Capital ($ Bil)	1
Tier 1 (Core) Capital ($ Bil)	1
ASSETS
Total Assets ($ Bil)	10
Adjusted Average Assets ($ Bil)	9
Risk Weighted Assets Adjusted ($ Bil)	6
LEVERAGE RATIOS
Tier 1 Capital / Total Assets Ratio	8.8%
Tier 1 Capital / Adjusted Avg Assets Ratio	9.2%
Tier 1 Capital / Risk Wtd Assets Ratio	14.1%

Bank Deposits

FDIC Data As Of	6302026
DEPOSITS
Total Deposits ($ Bil)	7
Uninsured Deposits ($ Bil)	0
Uninsured Deposits Ratio %	2.8%

Bank Assets

FDIC Data As Of	6302026
ASSETS
Cash Balance ($ Bil)	0
Securities ($ Bil)	2
Net Loans ($ Bil)	7
Trading Assets ($ Bil)	0
Bank Premises Assets ($ Bil)	0
Other Real Estate Owned ($ Bil)	0
Goodwill & Intangibles ($ Bil)	0
Other Assets ($ Bil)	0
Total Assets (Sum) ($ Bil)	9
Total Assets (Reported) ($ Bil)	9
Risk Weighted Assets ($ Bil)	6
SECURITIES DETAILS
US Govt Securities ($ Bil)	1
Equity Securities Not Held for Trading ($ Bil)	0
Total Debt Securities ($ Bil)	2
Mortgage-Backed Securities ($ Bil)	1
SECURITIES VALUATION
Securities Held to Maturity (Book Value) ($ Bil)	0
Securities Available for Sale (Fair Market) ($ Bil)	2

Bank Loans

FDIC Data As Of	6302026
LOAN DETAILS
All Real Estate Loans ($ Bil)	3
Farm Loans ($ Bil)	0
Commercial and Industrial Loans ($ Bil)	1
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)	3
Commercial Real Estate Loans not Secured by Real Estate ($ Bil)	0
Commercial Real Estate Owner-Occupied ($ Bil)	1
Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)	0
Total Net Loans ($ Bil)	7

FDA Approved Drugs Data

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Clinical Pipeline

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Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	9/30/2026	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	11/5/2026	2/25/2026	3/3/2025	2/29/2024	3/1/2023	3/1/2022	3/15/2021
Key Financials
Total Revenue	673	704	535	456	355	316	279
Net Income	240	228	218	192	130	111	80
EPS	5.73	4.99	4.35	3.52	2.30	1.93	1.39
Growth Rates
Total Revenue Growth	-2.7%	31.6%	17.2%	28.7%	12.3%	12.9%	13.9%
Net Income Growth	5.3%	4.9%	13.1%	47.7%	17.7%	38.2%	55.3%
Margins
Net Income Margin	35.6%	32.4%	40.7%	42.2%	36.7%	35.1%	28.7%
Cash & Debt
Total Cash	107	133	2,073	1,786	1,654	1,555	1,552
Total Debt	214	223	124	148	122	152	152
Net Debt / (Cash)	108	91	-1,949	-1,638	-1,532	-1,404	-1,400
Cash Flows & CapEx
Net Cash from Operations	214	265	210	187	120	84	121
Total CapEx	-8	-9	-7	-13	-5	-2	-4
Free Cash from Operations	206	256	203	174	114	82	117
Returns to Shareholders
Dividends	0	-0	-0	-0	-0	-0	-0
Share Repurchases	303	378	252	100	60	40	-0

$ Mil \| FY: 12/31	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4
Period End	9/30/2026	6/30/2026	3/31/2026	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023
Filing Date	11/5/2026	8/6/2026	5/6/2026	2/25/2026	11/10/2025	8/8/2025	5/8/2025	3/3/2025	11/7/2024	8/9/2024	5/10/2024	2/29/2024
Key Financials Quarterly
Total Revenue	176	164	161	173	175	181	175	161	126	125	124	109
Net Income	63	61	60	56	55	60	57	56	52	54	56	44
EPS	1.54	1.46	1.43	1.30	1.20	1.28	1.21	1.17	1.06	1.05	1.07	0.82
Key Financials TTM
Total Revenue TTM	673	672	690	704	692	643	586	535	483	473	465	456
Net Income TTM	240	232	231	228	228	224	218	218	206	204	200	192
Growth Rates Quarterly
Total Revenue Growth	0.7%	-9.8%	-8.0%	7.5%	38.8%	45.6%	41.7%	47.7%	8.8%	6.8%	7.8%	6.1%
Net Income Growth	14.3%	1.4%	5.1%	0.7%	6.6%	11.4%	1.3%	27.0%	2.8%	9.5%	14.9%	9.4%
Margins Quarterly
Net Income Margin	35.7%	37.1%	37.2%	32.6%	31.5%	33.0%	32.6%	34.8%	40.9%	43.1%	45.6%	40.5%
Cash & Debt
Total Cash	107	1,695	89	133	99	1,822	1,069	2,073	1,644	1,987	1,969	1,786
Total Debt	214	214	223	223	223	124	124	124	148	148	148	148
Net Debt / (Cash)	108	-1,481	134	91	125	-1,698	-945	-1,949	-1,496	-1,839	-1,821	-1,638
Cash Flows Quarterly
FCF from Operations	25	35	85	69	51	51	95	67	51	17	75	61
Cash Flows TTM
FCF from Operations TTM	214	240	256	265	263	262	229	210	204	207	219	187
Returns to Shareholders Quarterly
Dividends	0	0	0	0	0	0	0	0	0	0	0	0
Share Repurchases	50	50	50	151	151	38	38	50	50	101	50	25
Return on Invested Capital (ROIC) Quarterly
ROIC	233.2%	-	179.0%	247.9%	176.3%	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	222.7%	-	172.2%	251.2%	182.8%	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Fintech	414	253	225	325
Real estate bridge lending (REBL)	107	112	102	70
Commercial	73	60	41	51
Corporate	62	61	51	42	21
Institutional Banking	48	48	48	10
Payments					99
Specialty finance					196
Total	704	534	466	498	316

Operating Income by Segment

$ Mil	2015	2014
Specialty finance	13	12
Corporate	-1	-20
Payments	-5	15
Total	7	7

Net Income by Segment

$ Mil	2025	2024	2023	2022	2021
Fintech	116	104	112	131
Real estate bridge lending (REBL)	69	71	66	27
Corporate	23	28	8	-5	-44
Institutional Banking	11	11	12	-17
Commercial	10	5	-5	-6
Discontinued operations					0
Payments					29
Specialty finance					126
Total	228	218	192	130	111

Assets by Segment

$ Mil	2025	2024	2023	2022	2021
Real estate bridge lending (REBL)	2,362	2,301
Corporate	2,068	2,377	1,981	1,802	1,620
Institutional Banking	1,981	1,855
Commercial	1,763	1,676
Fintech	1,177	518
Payments			43	58	42
Specialty finance			5,682	6,043	5,099
Discontinued operations					82
Total	9,352	8,728	7,706	7,903	6,843

Price Behavior

Price Behavior

Market Price	$49.79
Market Cap ($ Bil)	2.0
First Trading Date	02/03/2004
Distance from 52W High	-30.9%
	50 Days	200 Days
DMA Price	$51.36	$57.84
DMA Trend	down	down
Distance from DMA	-3.1%	-13.9%
	3M	1YR
Volatility	52.0%	43.4%
Downside Capture	214.37	165.30
Upside Capture	54.05	118.78
Correlation (S&P 500)	19.0%	30.8%

TBBK Betas & Captures as of 10/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.85	1.50	1.54	0.80	1.08	1.28
Up Beta	-4.09	-0.61	1.22	0.14	0.93	1.24
Down Beta	3.24	2.32	2.21	0.30	0.48	1.33
Up Capture	-10%	54%	58%	80%	93%	171%
Bmk +ve Days	12	18	28	62	130	427
Stock +ve Days	11	20	29	63	131	400
Down Capture	36%	268%	244%	146%	141%	108%
Bmk -ve Days	10	25	36	64	121	325
Stock -ve Days	11	23	35	63	120	349

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with TBBK
TBBK	-19.1%	43.4%	-0.36	-
Sector ETF (XLF)	12.0%	15.3%	0.53	44.6%
Equity (SPY)	13.3%	13.7%	0.65	30.9%
Gold (GLD)	3.7%	28.8%	0.12	13.4%
Commodities (DBC)	38.2%	21.3%	1.42	-15.7%
Real Estate (VNQ)	13.7%	14.3%	0.65	31.4%
Bitcoin (BTCUSD)	-25.3%	43.6%	-0.55	18.5%

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Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with TBBK
TBBK	9.9%	46.1%	0.35	-
Sector ETF (XLF)	9.4%	18.4%	0.37	60.9%
Equity (SPY)	11.8%	17.3%	0.51	50.0%
Gold (GLD)	17.8%	19.1%	0.75	0.4%
Commodities (DBC)	8.0%	19.6%	0.29	3.4%
Real Estate (VNQ)	1.5%	18.9%	-0.03	42.5%
Bitcoin (BTCUSD)	4.4%	51.6%	0.27	23.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with TBBK
TBBK	23.6%	50.5%	0.62	-
Sector ETF (XLF)	13.4%	22.1%	0.55	59.8%
Equity (SPY)	15.3%	18.0%	0.72	48.2%
Gold (GLD)	12.1%	16.5%	0.60	-0.9%
Commodities (DBC)	7.6%	18.1%	0.33	15.6%
Real Estate (VNQ)	6.1%	20.7%	0.25	44.6%
Bitcoin (BTCUSD)	60.0%	66.3%	1.00	15.3%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	10152026
Short Interest: Shares Quantity	3.7 Mil
Short Interest: % Change Since 9302026	13.4%
Average Daily Volume	0.5 Mil
Days-to-Cover Short Interest	7.0 days
Basic Shares Quantity	40.7 Mil
Short % of Basic Shares	9.0%

Returns Analyses

	Title
0	Is Bancorp Stock Built to Withstand a Pullback?

Earnings Returns History

Updated 11/9/2026

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
10/29/2026	-7.5%	-5.5%
7/30/2026	3.5%	9.2%	1.4%
4/23/2026	-4.2%	-1.1%	-8.5%
1/29/2026	-15.7%	-17.0%	-23.3%
10/30/2025	-15.3%	-20.3%	-16.1%
7/24/2025	-8.6%	-9.3%	4.5%
4/24/2025	-3.4%	-0.4%	2.8%
1/30/2025	5.9%	8.5%	-4.4%
...
SUMMARY STATS
# Positive	11	13	15
# Negative	13	11	8
Median Positive	5.4%	8.5%	9.5%
Median Negative	-7.5%	-6.3%	-8.7%
Max Positive	16.0%	19.9%	25.1%
Max Negative	-15.7%	-20.3%	-23.3%

Collapse to Preview

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
10/29/2026	-7.5%	-5.5%
7/30/2026	3.5%	9.2%	1.4%
4/23/2026	-4.2%	-1.1%	-8.5%
1/29/2026	-15.7%	-17.0%	-23.3%
10/30/2025	-15.3%	-20.3%	-16.1%
7/24/2025	-8.6%	-9.3%	4.5%
4/24/2025	-3.4%	-0.4%	2.8%
1/30/2025	5.9%	8.5%	-4.4%
10/24/2024	-14.5%	-8.6%	4.5%
7/25/2024	1.4%	-3.3%	1.9%
4/25/2024	-7.8%	-6.3%	-1.7%
1/25/2024	7.8%	4.6%	10.0%
10/26/2023	5.4%	16.8%	15.9%
7/27/2023	-1.4%	1.4%	-8.9%
4/27/2023	14.8%	4.4%	18.8%
1/26/2023	16.0%	19.9%	18.4%
10/27/2022	12.7%	15.2%	18.4%
7/28/2022	3.7%	3.5%	0.2%
4/28/2022	-7.5%	-15.8%	-15.4%
1/27/2022	3.0%	13.8%	9.5%
10/28/2021	-4.1%	-0.3%	-8.6%
7/29/2021	1.4%	6.0%	10.9%
4/29/2021	-0.7%	8.1%	8.4%
1/28/2021	-0.5%	10.0%	25.1%
SUMMARY STATS
# Positive	11	13	15
# Negative	13	11	8
Median Positive	5.4%	8.5%	9.5%
Median Negative	-7.5%	-6.3%	-8.7%
Max Positive	16.0%	19.9%	25.1%
Max Negative	-15.7%	-20.3%	-23.3%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
09/30/2026	11/05/2026	10-Q
06/30/2026	08/06/2026	10-Q
03/31/2026	05/06/2026	10-Q
12/31/2025	02/25/2026	10-K
09/30/2025	11/10/2025	10-Q
06/30/2025	08/08/2025	10-Q
03/31/2025	05/08/2025	10-Q
12/31/2024	03/03/2025	10-K
09/30/2024	11/07/2024	10-Q
06/30/2024	08/09/2024	10-Q
03/31/2024	05/10/2024	10-Q
12/31/2023	02/29/2024	10-K
09/30/2023	11/09/2023	10-Q
06/30/2023	08/09/2023	10-Q
03/31/2023	05/10/2023	10-Q
12/31/2022	03/01/2023	10-K

Collapse to Preview

Report Date	Filing Date	Filing
09/30/2026	11/05/2026	10-Q
06/30/2026	08/06/2026	10-Q
03/31/2026	05/06/2026	10-Q
12/31/2025	02/25/2026	10-K
09/30/2025	11/10/2025	10-Q
06/30/2025	08/08/2025	10-Q
03/31/2025	05/08/2025	10-Q
12/31/2024	03/03/2025	10-K
09/30/2024	11/07/2024	10-Q
06/30/2024	08/09/2024	10-Q
03/31/2024	05/10/2024	10-Q
12/31/2023	02/29/2024	10-K
09/30/2023	11/09/2023	10-Q
06/30/2023	08/09/2023	10-Q
03/31/2023	05/10/2023	10-Q
12/31/2022	03/01/2023	10-K
09/30/2022	11/09/2022	10-Q
06/30/2022	08/09/2022	10-Q
03/31/2022	05/10/2022	10-Q
12/31/2021	03/01/2022	10-K
09/30/2021	11/05/2021	10-Q
06/30/2021	08/09/2021	10-Q
03/31/2021	05/07/2021	10-Q
12/31/2020	03/15/2021	10-K
09/30/2020	11/09/2020	10-Q
06/30/2020	07/31/2020	10-Q
03/31/2020	05/11/2020	10-Q
12/31/2019	03/16/2020	10-K

Recent Forward Guidance

Updated 11/2/2026

Latest: Q3 2026 Earnings Reported 10/29/2026

Forward Guidance					Guidance Change
Metric	Source	Low	Mid	High	% Chg	% Delta	Change	Prior
Q4 2026 Share Repurchases	Reported		50.00 Mil
2026 Estimated Annual Future Effective Tax Rate	Reported		23.9%
2026 Core EPS	Reported	5.95	6	6.05	0.0%		Affirmed	Guidance: 6 for 2026
2026 Share Repurchases	Reported		200.00 Mil
2027 Core EPS	Reported	7	7.1	7.2	-13.4%		Lowered	Guidance: 8.2 for 2027
2027 Share Repurchases % of Adjusted Net Income	Reported		100.0%
2028 Core EPS	Reported	8	8.1	8.2	-1.2%		Lower New	Guidance: 8.2 for 2027

Prior: Q2 2026 Earnings Reported 7/30/2026

Forward Guidance					Guidance Change
Metric	Source	Low	Mid	High	% Chg	% Delta	Change	Prior
Q4 2026 EPS	Reported	1.65	1.7	1.75	-2.9%		Lowered	Guidance: 1.75 for Q4 2026
2026 EPS	Reported	5.95	6	6.05	1.7%		Raised	Guidance: 5.9 for 2026
2027 EPS	Reported	8.1	8.2	8.3	0.0%		Affirmed	Guidance: 8.2 for 2027

Q1 2026 Earnings Reported 4/23/2026

Forward Guidance					Guidance Change
Metric	Source	Low	Mid	High	% Chg	% Delta	Change	Prior
Q4 2026 EPS	Reported		1.75		0.0%		Affirmed	Guidance: 1.75 for Q4 2026
Q2 2026 Share Repurchases	Reported		50.00 Mil
2026 EPS	Reported		5.9		0.0%		Affirmed	Guidance: 5.9 for 2026
2026 Share Repurchases	Reported		200.00 Mil		0.0%		Affirmed	Guidance: 200.00 Mil for 2026
2027 EPS	Reported	8.1	8.2	8.3	-0.6%		Lowered	Guidance: 8.25 for 2027

Q4 2025 Earnings Reported 1/29/2026

Forward Guidance					Guidance Change
Metric	Source	Low	Mid	High	% Chg	% Delta	Change	Prior
Q4 2026 EPS	Reported		1.75
Q1 2026 Share Repurchases	Reported		50.00 Mil
2026 EPS	Reported		5.9		15.7%		Higher New	Actual: 5.1 for 2025
2026 Share Repurchases	Reported		200.00 Mil
2027 EPS	Reported		8.25		0		Affirmed	Guidance: 8.25 for 2027

Insider Activity

Updated 11/9/2026

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Harris, Ryan	EVP Head of Fintech Solutions	Direct	Sell	11092026	48.27	4,500	217,229	7,048,660	Form
2	Mudick, Stephanie B		Direct	Buy	11062026	47.49	1,000	47,495	2,144,399	Form
3	Tryniski, Mark E		Direct	Buy	11042026	0.00	5,000			Form
4	Cohn, Matthew		Direct	Buy	11042026	45.54	1,000	45,540	2,874,075	Form
5	Canuso, Dominic C	EVP & Chief Financial Officer	Direct	Buy	11042026	0.00	2,050			Form

Collapse to Preview

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Harris, Ryan	EVP Head of Fintech Solutions	Direct	Sell	11092026	48.27	4,500	217,229	7,048,660	Form
2	Mudick, Stephanie B		Direct	Buy	11062026	47.49	1,000	47,495	2,144,399	Form
3	Tryniski, Mark E		Direct	Buy	11042026	0.00	5,000			Form
4	Cohn, Matthew		Direct	Buy	11042026	45.54	1,000	45,540	2,874,075	Form
5	Canuso, Dominic C	EVP & Chief Financial Officer	Direct	Buy	11042026	0.00	2,050			Form
6	Egan, Martin	Chief Accounting Officer	Direct	Sell	8062026	72.03	3,057	220,195	2,176,663	Form
7	Cohn, Matthew		Direct	Buy	5052026	58.77	250	14,692	3,518,031	Form
8	Cohn, Matthew		Spouse	Buy	5052026	59.50	1,500	89,250	306,722	Form
9	Cohn, Matthew		Daughter(A)	Buy	5052026	59.76	500	29,880	189,738	Form
10	Cohn, Matthew		Daughter(B)	Buy	5052026	59.90	250	14,975	177,544	Form
11	Caesar, Erika R	EVP and General Counsel	Direct	Sell	4302026	60.28	4,470	269,452	1,982,006	Form
12	Wainwright, Maria	EVP & Chief Marketing Officer	Direct	Sell	4302026	60.24	8,400	506,020	1,502,519	Form
13	Harris, Ryan	EVP Head of Fintech Solutions	Direct	Sell	3162026	53.18	4,500	239,328	8,005,058	Form
14	Canuso, Dominic C	EVP & Chief Financial Officer	Direct	Buy	3022026	55.26	2,000	110,510	1,003,928	Form
15	Cohn, Matthew		Daughter	Buy	2122026	56.78	230	13,059	151,885	Form
16	Cohn, Matthew		Daughter	Buy	2122026	56.99	170	9,688	139,332	Form
17	Cohn, Matthew		Spouse	Buy	2122026	62.16	355	22,067	227,195	Form
18	Cohn, Matthew		Daughter	Buy	2122026	62.11	325	20,186	141,300	Form
19	Canuso, Dominic C	EVP & Chief Financial Officer	Direct	Buy	2102026	60.54	2,000	121,074	978,823	Form
20	Canuso, Dominic C	EVP & Chief Financial Officer	Direct	Buy	2102026	62.00	800	49,603	279,016	Form
21	Canuso, Dominic C	EVP & Chief Financial Officer	Direct	Buy	2102026	60.50	200	12,100	223,850	Form
22	Tryniski, Mark E		Direct	Buy	2052026	60.23	5,000	301,158	1,142,354	Form
23	Canuso, Dominic C	EVP & Chief Financial Officer	Direct	Buy	11142025	61.24	1,800	110,228	214,333	Form
24	Canuso, Dominic C	EVP & Chief Financial Officer	Direct	Buy	11142025	64.64	1,700	109,887	109,887	Form
25	Cohn, Matthew		Trusts	Buy	11102025	61.27	370	22,670	10,006,249	Form
26	Cohn, Matthew		Daughter	Buy	11102025	61.27	375	22,976	166,287	Form
27	Cohn, Matthew		Spouse	Buy	11102025	62.01	1,400	86,807	204,616	Form
28	Cohn, Matthew		Trusts	Buy	11102025	62.66	1,500	93,990	10,210,071	Form

Investor Activity (13F)

Updated Nov 10, 2026

13F holdings as of Mar 31, 2026 (Q1 2026)

Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

Active Manager	Value	% of Portfolio	Total Positions	QoQ	Filing
Owls Nest Partners IA, LLC	$58.8 Mil	20.6%	13	ADD +12.4%	13F

Active Manager	Value	% of Portfolio	Total Positions	QoQ	Filing
Owls Nest Partners IA, LLC	$58.8 Mil	20.6%	13	ADD +12.4%	13F

Active Manager

Active Manager	Value	% of Portfolio	Total Positions	QoQ	Filing
Owls Nest Partners IA, LLC	$58.8 Mil	20.6%	13	ADD +12.4%	13F

TBBK Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

null

STOCK ARCHETYPE

null

Looking for high-conviction positions with a better risk/reward profile? See what's currently in the Trefis High Quality Portfolio.

INVESTMENT THESIS

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Mechanism: null

Supporting Evidence:

PRIMARY RISK

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Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Status	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

Diversification Alternatives

How Is The Market Pricing TBBK?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What TBBK Makes & Who Pays

TTM figures based on

TBBK Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Bancorp — Investor Video Playlist

Products & Services

Embedded Finance | Powered by The Bancorp

The Bancorp · 2026-10-06

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Core Cache Last Updated: 11/9/2026

Bancorp (TBBK)

Market Price (11/10/2026): $49.75 | Market Cap: $2.0 BilSector: Financials | Industry: Regional Banks

Bancorp (TBBK)

Market Price (11/10/2026): $49.75Market Cap: $2.0 BilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

TBBK in ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

In The Past

Preserve Wealth

Asset Allocation

About Bancorp (TBBK)

Major Suppliers of The Bancorp, Inc. (TBBK)

Key Risks:

Addressable Markets for Bancorp (TBBK) Main Products and Services (U.S.)

Interactive Breakdown

Better Bets vs. Bancorp (TBBK)

Peer Outperformance in Regional Banks

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Investor Activity (13F)

TBBK Trade Sentinel

null

CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

Market Price (11/10/2026): $49.75
Market Cap: $2.0 Bil
Sector: Financials
Industry: Regional Banks