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Earnings transcript
Read the complete earnings call transcript.
TBBK
The Bancorp, Inc.
$65.85
-0.46
(-0.69%)
| Exchange: | NASDAQ |
| Market Cap: | 2.741B |
| Shares Outstanding: | 2.011M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Damian Kozlowski | |||||
| Full Time Employees: | 733 | |||||
| Address: |
| |||||
| Website: | https://www.thebancorp.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 611,601 | 710,106 | 690,464 |
| Gross Profit | 447,816 | 495,381 | 512,771 |
| EBITDA | 259,848 | 296,311 | 307,687 |
| Operating Income | 256,774 | 292,156 | 303,037 |
| Net Income | 192,296 | 217,540 | 228,213 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 7,705,695 | 8,727,543 | 9,352,425 |
| Total Liabilities | 6,898,414 | 7,937,760 | 8,662,629 |
| Total Stockholders Equity | 807,281 | 789,783 | 689,796 |
| Total Debt | 147,821 | 123,696 | 422,366 |
| Cash and Cash Equivalents | 1,038,090 | 570,123 | 8,038 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 186,718 | 227,653 | 0 |
| Capital Expenditure | -12,689 | -4,974 | 0 |
| Free Cash Flow | 174,029 | 222,679 | 0 |
| Net Income | 192,296 | 217,540 | 228,213 |
| Net Change in Cash | 149,901 | -467,967 | -570,123 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 711,058.329 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 742,817.461 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 726,942.500 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 309,546.178 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 323,371.932 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 316,461.060 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 371,373.384 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 380,657.718 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 376,015.551 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 183,500.787 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 191,696.775 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 187,599.969 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 8.100 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 8.200 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 8 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 2 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: TBBK has demonstrated consistent revenue growth as per the latest income statements, reflecting robust operational performance. This aligns with positive industry trends in the banking sector, as indicated by the sector performance metrics showing favorable short-term and long-term gains.
- Healthy Profitability Metrics: Key metrics such as gross profit margin TTM and net profit margin TTM indicate efficient cost management and profitability, positioning TBBK favorably against industry averages within the financial services sector.
- Solid Cash Flow Generation: The cash flow statements highlight strong net cash provided by operating activities and positive free cash flow, suggesting TBBK’s ability to sustain operations and fund growth initiatives without excessive reliance on external financing.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates TBBK intrinsic value between $61.45 – $64.61 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about TBBK valuation
Is The Bancorp, Inc. (TBBK) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for The Bancorp, Inc. (TBBK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is TBBK a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TBBK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is TBBK’s P/E ratio?
You can see TBBK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for TBBK?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is TBBK a good long-term investment?
Whether TBBK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
TBBK
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.69
Trading Metrics:
| Open: | 65.91 | Previous Close: | 66.3 | |
| Day Low: | 65.7 | Day High: | 66.96 | |
| Year Low: | 50.2 | Year High: | 81.65 | |
| Price Avg 50: | 65.92 | Price Avg 200: | 61.68 | |
| Volume: | 7082 | Average Volume: | 430257 |
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Login — it's freeTBBK full analysis
Welcome to MARKETSNAP’s SWOT analysis for The Bancorp, Inc., also known by its ticker TBBK. If you’re not familiar with this name, let me give you the quick rundown. The Bancorp is a financial holding company operating in the banking sector, primarily focused on providing banking and financial services through its subsidiary, The Bancorp Bank. They’re carving out a niche in areas like fintech partnerships, payment solutions, and specialized lending, positioning themselves as a key player in the evolving financial…
