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Upturn AI SWOT - About
TBBK 
The Bancorp Inc (TBBK)
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Upturn Advisory Summary
10/14/2025: 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 $76.5
1 Year Target Price $76.5
| 0 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.33% | Avg. Invested days 31 | 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 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.70B USD | Price to earnings Ratio 16.43 | 1Y Target Price 76.5 |
Price to earnings Ratio 16.43 | 1Y Target Price 76.5 | ||
Volume (30-day avg) 3 | Beta 1.32 | 52 Weeks Range 40.51 - 81.25 | Updated Date 10/14/2025 |
52 Weeks Range 40.51 - 81.25 | Updated Date 10/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.89 |
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 16.43 | Forward PE - | Enterprise Value 3812945920 | Price to Sales(TTM) 7.17 |
Enterprise Value 3812945920 | Price to Sales(TTM) 7.17 | ||
Enterprise Value to Revenue 5.63 | Enterprise Value to EBITDA - | Shares Outstanding 46065385 | Shares Floating 43785609 |
Shares Outstanding 46065385 | Shares Floating 43785609 | ||
Percent Insiders 4 | Percent Institutions 111.21 |
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 as a financial holding company, providing banking services primarily in the United States. It has evolved from focusing on payment processing to broader banking solutions.
Core Business Areas
- Payment Solutions: The Bancorp provides private-label banking and technology solutions for fintech and nonbank businesses through its payment card issuer services, which includes prepaid cards, debit cards, and credit cards.
- Institutional Banking: The Bancorp provides commercial fleet leasing and commercial vehicle lending.
- Consumer Banking: Offers deposit accounts, and some loan products.
Leadership and Structure
The Bancorp Inc. is led by Damian Kozlowski (CEO). The organizational structure includes various departments overseeing risk management, finance, technology, and operations. The board of directors provides oversight and governance.
Top Products and Market Share
Key Offerings
- Market Share (%): 12
- Prepaid Cards: The Bancorp issues prepaid cards for various purposes, including payroll, government benefits, and gift cards. The market share is estimated to be significant, particularly in the private-label sector. Competitors include Green Dot Corporation (GDOT) and Netspend.
- Commercial Fleet Leasing: Provides commercial vehicle and fleet leasing and lending solutions. Competition includes large financial institutions like Wells Fargo (WFC) and leasing companies. Market share varies by region.
Market Dynamics
Industry Overview
The financial services industry is experiencing rapid technological innovation, increased regulatory scrutiny, and heightened competition. Fintech companies are disrupting traditional banking models, driving the need for innovation and efficiency.
Positioning
The Bancorp Inc. positions itself as a technology-focused banking partner, leveraging its platform to support fintech companies and offer niche banking solutions. Its competitive advantage lies in its ability to provide tailored banking services to underserved markets.
Total Addressable Market (TAM)
The total addressable market for prepaid cards and private-label banking services is substantial, estimated to be in the billions of dollars annually. The Bancorp Inc. is positioned to capture a portion of this TAM through its strategic partnerships and technological capabilities.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Established partnerships with fintech companies
- Focus on niche banking segments
- Experienced management team
Weaknesses
- Relatively small size compared to major banks
- Dependence on partnerships
- Exposure to regulatory changes
- Concentration in specific market segments
Opportunities
- Expansion into new fintech partnerships
- Growth in the prepaid card market
- Increased demand for private-label banking services
- Acquisition of complementary businesses
Threats
- Increased competition from established banks and fintech companies
- Changes in regulations affecting the banking industry
- Economic downturn impacting lending and credit card usage
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- GDOT
- DFS
- COF
- PYPL
Competitive Landscape
The Bancorp Inc. competes with larger financial institutions and fintech companies. Its advantages include its technology platform and partnerships. Disadvantages include smaller size and reliance on specific market segments.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends.
Future Projections: Future growth projections based on analyst estimates.
Recent Initiatives: Highlight strategic initiatives.
Summary
The Bancorp Inc. is a niche bank with a strong technology platform and partnerships, focusing on payment solutions and institutional banking. While its reliance on partnerships and smaller size pose challenges, growth opportunities exist in expanding fintech relationships. Regulatory changes and competition remain key risks to watch. TBBK would need to continue to look out for its smaller size compared to the other competitors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary.
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.
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