Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
TBBK 
The Bancorp Inc (TBBK)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/12/2025: TBBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $70.5
1 Year Target Price $70.5
| 0 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.61% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.50B USD | Price to earnings Ratio 16.33 | 1Y Target Price 70.5 |
Price to earnings Ratio 16.33 | 1Y Target Price 70.5 | ||
Volume (30-day avg) 3 | Beta 1.36 | 52 Weeks Range 40.51 - 80.16 | Updated Date 09/14/2025 |
52 Weeks Range 40.51 - 80.16 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.65 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 43.5% | Operating Margin (TTM) 59.07% |
Management Effectiveness
Return on Assets (TTM) 2.64% | Return on Equity (TTM) 27.41% |
Valuation
Trailing PE 16.33 | Forward PE - | Enterprise Value 3610718976 | Price to Sales(TTM) 6.78 |
Enterprise Value 3610718976 | Price to Sales(TTM) 6.78 | ||
Enterprise Value to Revenue 5.73 | Enterprise Value to EBITDA - | Shares Outstanding 46065400 | Shares Floating 43785609 |
Shares Outstanding 46065400 | Shares Floating 43785609 | ||
Percent Insiders 4 | Percent Institutions 111 |
Upturn AI SWOT
The Bancorp Inc
Company Overview
History and Background
The Bancorp, Inc. was founded in 1999 and is headquartered in Wilmington, Delaware. It operates primarily as a provider of banking services through its subsidiary, The Bancorp Bank. The company has grown organically and through acquisitions, focusing on serving niche markets and delivering technology-driven financial solutions.
Core Business Areas
- Payment Solutions: Offers prepaid card issuing, ACH processing, and other payment solutions to third-party program managers and companies.
- Commercial Lending: Provides secured commercial loans, equipment loans and leases, and small business loans.
- Institutional Banking: Provides banking services to non-bank financial service companies, including fintech firms, online lenders, and investment advisors.
Leadership and Structure
The leadership team includes Damian Kozlowski (Chief Executive Officer). The organizational structure consists of various departments overseeing different business segments, with a board of directors providing overall governance.
Top Products and Market Share
Key Offerings
- Prepaid Card Solutions: The Bancorp is a large issuer of prepaid cards, generating revenue from transaction fees, interchange fees, and other related services. Competitors include Metabank, Green Dot, and Sutton Bank. Market share data is not uniformly reported, but The Bancorp is a significant player in the open-loop prepaid card space.
- Small Business Lending: Offers SBA loans and other small business lending products. Competitors include large national banks and online lenders. Revenue data is not specifically broken out but forms a material portion of its revenue.
Market Dynamics
Industry Overview
The banking industry is currently undergoing significant changes due to technological advancements, increasing regulatory scrutiny, and evolving customer expectations. Fintech companies are disrupting traditional banking models, and banks are investing in technology to stay competitive.
Positioning
The Bancorp is positioned as a technology-focused bank that serves niche markets and partners with fintech companies. Its competitive advantages include its expertise in payment processing and its ability to offer customized banking solutions.
Total Addressable Market (TAM)
The TAM for payment solutions and fintech banking is substantial. Estimates place it in the hundreds of billions of dollars globally. The Bancorp is positioned to capture a portion of this market by focusing on specific segments and leveraging its technological capabilities.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Expertise in payment processing
- Partnerships with fintech companies
- Focus on niche markets
- Experienced management team
Weaknesses
- Concentration in specific industries
- Regulatory risk
- Relatively small size compared to larger banks
- Reliance on third-party program managers
Opportunities
- Expansion into new markets
- Development of new products and services
- Increased adoption of digital banking
- Strategic acquisitions
- Partnerships with other fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Changes in regulations
- Economic downturn
- Cybersecurity risks
- Interest rate volatility
Competitors and Market Share
Key Competitors
- PRLB
- SOFI
- ALLY
- Capital One (COF)
Competitive Landscape
The Bancorp competes with both large national banks and smaller regional banks. Its advantages include its technology platform, focus on niche markets, and partnerships with fintech companies. Disadvantages include its relatively small size and concentration in specific industries.
Major Acquisitions
Fintiv Inc
- Year: 2016
- Acquisition Price (USD millions): 51.3
- Strategic Rationale: Expanded prepaid solutions and added new clients.
Growth Trajectory and Initiatives
Historical Growth: The Bancorp has experienced growth in recent years, driven by its focus on niche markets and its partnerships with fintech companies.
Future Projections: Future growth projections depend on various factors, including economic conditions, competitive landscape, and regulatory environment. Analyst estimates can provide insights into expected growth rates.
Recent Initiatives: Recent initiatives include strategic partnerships, technology investments, and expansions into new markets.
Summary
The Bancorp exhibits a decent fundamental position with strengths in technology and niche market focus. Their partnerships with fintechs and expertise in payment solutions are advantages, but concentration risks and competition from larger banks pose challenges. Financial performance is stable, but growth depends on successful execution of strategic initiatives and adaptation to the evolving regulatory landscape. While they are making acquisitions to strengthen their company it might not be enough as the competition is heating up.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market data and analyst estimates are subject to change and may not be accurate. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About The Bancorp Inc
Exchange NASDAQ | Headquaters Wilmington, DE, United States | ||
IPO Launch date 2004-02-03 | CEO, President & Director Mr. Damian M. Kozlowski | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 771 | Website https://www.thebancorp.com |
Full time employees 771 | Website https://www.thebancorp.com | ||
The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, money market, and commercial accounts. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; financing to investment advisors; lease financing for commercial and government vehicle fleets, including trucks and other special purpose vehicles; commercial real estate bridge loans; and small business loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card loans, fixed term loans, payroll advances, and others. In addition, it offers automated clearing house (ACH) bill and other payment services; debit and prepaid card issuing services; card and bill payment, and ACH processing services; and account services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.