The Bancorp, Inc.
The Bancorp, Inc. Fundamental Analysis
The Bancorp, Inc. (TBBK) shows strong financial fundamentals with a PE ratio of 10.18, profit margin of 27.27%, and ROE of 28.91%. The company generates $0.8B in annual revenue with strong year-over-year growth of 16.11%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 84.0/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze TBBK's fundamental strength across five key dimensions:
Efficiency Score
WeakTBBK struggles to generate sufficient returns from assets.
Valuation Score
ModerateTBBK shows balanced valuation metrics.
Growth Score
ExcellentTBBK delivers strong and consistent growth momentum.
Financial Health Score
ExcellentTBBK maintains a strong and stable balance sheet.
Profitability Score
ExcellentTBBK achieves industry-leading margins.
Key Financial Metrics
Is TBBK Expensive or Cheap?
P/E Ratio
TBBK trades at 10.18 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, TBBK's PEG of 3.80 indicates potential overvaluation.
Price to Book
The market values The Bancorp, Inc. at 3.37 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 6.31 times EBITDA. This is generally considered low.
How Well Does TBBK Make Money?
Net Profit Margin
For every $100 in sales, The Bancorp, Inc. keeps $27.27 as profit after all expenses.
Operating Margin
Core operations generate 36.21 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $28.91 in profit for every $100 of shareholder equity.
ROA
The Bancorp, Inc. generates $2.44 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
The Bancorp, Inc. generates strong operating cash flow of $267.89M, reflecting robust business health.
Free Cash Flow
The Bancorp, Inc. generates strong free cash flow of $262.66M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.98 in free cash annually.
FCF Yield
TBBK converts 11.08% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.18
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.80
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.37
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.80
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.61
vs 25 benchmark
Current Ratio
Current assets to current liabilities
8.66
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.29
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How TBBK Stacks Against Its Sector Peers
| Metric | TBBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.18 | 18.89 | Better (Cheaper) |
| ROE | 28.91% | 818.00% | Weak |
| Net Margin | 27.27% | 2453.00% | Weak |
| Debt/Equity | 0.61 | 0.94 | Strong (Low Leverage) |
| Current Ratio | 8.66 | 692.63 | Strong Liquidity |
| ROA | 2.44% | -24468.00% (disorted) | Weak |
TBBK outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews The Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
183.81%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
378.41%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
285.96%
Industry Style: Value, Dividend, Cyclical
High Growth