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Upturn AI Summary - About
The Bancorp Inc(TBBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TBBK
11/02/2026: TBBK (1-star) is currently NOT-A-BUY. Pass it for now.
The Bancorp Inc is a specialized financial holding company recognized as a leader in the banking-as-a-service (BaaS) and institutional lending sectors. Its main strengths lie in its efficient digital banking model and deep integration with fintech partners, which provide a reliable deposit and fee-based revenue stream. The company's primary growth story is built on the increasing shift toward embedded finance, though it faces risks related to regulatory scrutiny of bank-fintech partnerships and potential partner concentration. The stock is best suited for growth-oriented investors who can tolerate sector-specific volatility. Prospective investors should closely monitor the evolution of fintech regulation and the company’s ability to secure large, enterprise-scale partnerships.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company is a major player in the high-growth fintech infrastructure and BaaS space. |
| Momentum investor | Mixed fit | The stock often trends with fintech sector performance and is conditional on positive market sentiment toward digital banking. |
| Value investor | Strong fit while signal remains positive | The company is often viewed as reasonably valued relative to its long-term earnings growth potential in the digital banking sector. |
| Dividend investor | Weak fit | The company does not currently pay a dividend and focuses on reinvesting capital. |
| Low-risk investor | Weak fit | The company's reliance on fintech partners and regulatory compliance creates volatility risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is susceptible to fluctuations based on the health of the broader fintech and banking sector. |
| Valuation risk | Medium | Market expectations for growth in BaaS can lead to valuation swings. |
| Competition risk (Fintech/BaaS) | High | New entrants and traditional banks are aggressively targeting the banking-as-a-service market. |
| Business quality | Strong | The company has established a robust reputation and high-quality specialized franchise. |
| Dividend income | Low / none | Income-focused investors will not find dividend yield here. |
| Execution risk | Medium | Maintaining complex regulatory compliance while scaling technology is operationally demanding. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -27.95% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.91B USD | Price to earnings Ratio 8.25 | 1Y Target Price 76 |
Price to earnings Ratio 8.25 | 1Y Target Price 76 | ||
Volume (30-day avg) 516.4K shares | Beta 1.25 | 52 Weeks Range 45.08 - 73.02 | Updated Date 11/01/2026 |
52 Weeks Range 45.08 - 73.02 | Updated Date 11/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Fintech & Payment Solutions | Card issuance fees, transaction processing, and deposit servicing fees. | The company earns money primarily by acting as the regulatory and technical engine for other fintech firms. |
| Institutional Lending | Interest income from commercial fleet leases and securities-backed lines of credit. | Lending to specialized institutional clients provides a steady stream of interest income. |
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 1.48 | Actual 1.47 |
Profitability
Profit Margin 43.61% | Operating Margin (TTM) 59.71% |
Management Effectiveness
Return on Assets (TTM) 2.57% | Return on Equity (TTM) 29.63% |
Valuation
Trailing PE 8.25 | Forward PE 14.6 | Enterprise Value 2.94B | Price to Sales(TTM) 3.58 |
Enterprise Value 2.94B | Price to Sales(TTM) 3.58 | ||
Enterprise Value to Revenue 4.8 | Enterprise Value to EBITDA - | Shares Outstanding 40.79M | Shares Floating 38.27M |
Shares Outstanding 40.79M | Shares Floating 38.27M | ||
Percent Insiders 6.22 | Percent Institutions 100.94 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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