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
08/28/2025: 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 -6.29% | Avg. Invested days 28 | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.59B USD | Price to earnings Ratio 16.4 | 1Y Target Price 70.5 |
Price to earnings Ratio 16.4 | 1Y Target Price 70.5 | ||
Volume (30-day avg) 3 | Beta 1.3 | 52 Weeks Range 40.51 - 78.50 | Updated Date 08/29/2025 |
52 Weeks Range 40.51 - 78.50 | Updated Date 08/29/2025 | ||
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 16.4 | Forward PE - | Enterprise Value 3624078080 | Price to Sales(TTM) 6.95 |
Enterprise Value 3624078080 | Price to Sales(TTM) 6.95 | ||
Enterprise Value to Revenue 5.87 | Enterprise Value to EBITDA - | Shares Outstanding 46065400 | Shares Floating 43762576 |
Shares Outstanding 46065400 | Shares Floating 43762576 | ||
Percent Insiders 4.2 | Percent Institutions 110.98 |
Upturn AI SWOT
The Bancorp Inc
Company Overview
History and Background
The Bancorp Inc. was founded in 2000 and is headquartered in Wilmington, Delaware. It operates primarily as a provider of banking services to non-bank financial service companies and small businesses.
Core Business Areas
- Payment Solutions: Provides prepaid card solutions, payment processing, and related services to a variety of industries.
- Small Business Lending: Offers secured small business lending products, focusing on equipment finance and leasing.
- Institutional Banking: Provides banking and trust services to institutions and financial intermediaries.
Leadership and Structure
The Bancorp Inc. is led by a board of directors and a senior management team. The organizational structure includes departments for each core business area, as well as support functions like finance, risk management, and technology.
Top Products and Market Share
Key Offerings
- Prepaid Cards: The Bancorp issues prepaid cards through partnerships with various program managers and retailers. Market share data is variable and dependent on specific programs but is considered a leading issuer. Competitors include MetaBank (merged with Pathward Financial), Green Dot, and Netspend.
- Equipment Finance: Provides financing and leasing solutions for small businesses acquiring equipment. The market is highly fragmented. Competitors include traditional banks, specialized finance companies, and captive finance arms of equipment manufacturers. Market share data is not readily available.
Market Dynamics
Industry Overview
The banking industry is undergoing significant transformation due to technological advancements, increasing regulatory scrutiny, and shifting consumer preferences. Fintech companies are disrupting traditional banking models, creating both opportunities and challenges.
Positioning
The Bancorp Inc. differentiates itself through its focus on niche markets and its ability to provide customized banking solutions to non-bank financial service companies and small businesses. Its competitive advantage lies in its expertise in these specialized areas.
Total Addressable Market (TAM)
The TAM for payment solutions and small business lending is estimated to be in the hundreds of billions of dollars. The Bancorp Inc. is positioned to capture a portion of this TAM through its specialized offerings and partnerships. The total addressable market size is difficult to pinpoint due to the varying definitions and classifications used by different sources. Overall the TAM is very large.
Upturn SWOT Analysis
Strengths
- Strong expertise in niche markets
- Established partnerships with program managers and retailers
- Experienced management team
- Technology-driven solutions
- Diversified revenue streams
Weaknesses
- Reliance on partnerships
- Exposure to regulatory changes
- Competition from larger banks and fintech companies
- Limited brand recognition
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new niche markets
- Increased adoption of digital payment solutions
- Strategic acquisitions
- Development of new products and services
- Growth in small business lending
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Cybersecurity risks
- Technological disruption
Competitors and Market Share
Key Competitors
- DFS
- PYPL
- COF
Competitive Landscape
The Bancorp Inc. faces competition from larger banks, fintech companies, and specialized financial service providers. It differentiates itself through its focus on niche markets and its ability to provide customized solutions. However, it needs to maintain its technological edge and adapt to evolving regulatory requirements.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information not available without live access.
Future Projections: Future projections based on analyst estimates not available without live access.
Recent Initiatives: Recent initiatives include strategic partnerships, technology investments, and new product launches.
Summary
The Bancorp Inc. is a specialized bank focusing on niche markets and partnerships, offering customized solutions. Its strengths lie in its expertise and technology, but faces challenges from competition and regulatory changes. Continued innovation and strategic partnerships are crucial for future growth, but the company also needs to mitigate risks from economic fluctuations. While it holds a solid position, vigilant adaptation to market dynamics is essential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Market research reports
- Analyst reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share and TAM data are estimates and may vary depending on the source.
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.