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Upturn AI SWOT - About
TBBK 
The Bancorp Inc (TBBK)
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Upturn Advisory Summary
07/11/2025: 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 $63.33
1 Year Target Price $63.33
| 0 | Strong Buy |
| 3 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.1% | Avg. Invested days 25 | 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 07/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.95B USD | Price to earnings Ratio 14.27 | 1Y Target Price 63.33 |
Price to earnings Ratio 14.27 | 1Y Target Price 63.33 | ||
Volume (30-day avg) 3 | Beta 1.25 | 52 Weeks Range 40.51 - 65.84 | Updated Date 07/11/2025 |
52 Weeks Range 40.51 - 65.84 | Updated Date 07/11/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.42 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 43.46% | Operating Margin (TTM) 59.36% |
Management Effectiveness
Return on Assets (TTM) 2.52% | Return on Equity (TTM) 26.52% |
Valuation
Trailing PE 14.27 | Forward PE - | Enterprise Value 2775062272 | Price to Sales(TTM) 5.87 |
Enterprise Value 2775062272 | Price to Sales(TTM) 5.87 | ||
Enterprise Value to Revenue 5.3 | Enterprise Value to EBITDA - | Shares Outstanding 46709700 | Shares Floating 44322879 |
Shares Outstanding 46709700 | Shares Floating 44322879 | ||
Percent Insiders 4.34 | Percent Institutions 106.83 |
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 and technology payment solutions. Its focus is on providing private-label banking and technology solutions to non-bank financial service companies.
Core Business Areas
- Payment Solutions: Provides payment processing and related services to non-bank financial service companies. This segment includes prepaid card programs, debit card programs, and other payment solutions.
- Commercial Lending: Offers commercial lending services, including equipment leasing and factoring, primarily focused on small and medium-sized businesses.
- Institutional Banking: Provides banking services to institutions, including fiduciary and trust services, and provides security for a variety of business activities.
Leadership and Structure
The Bancorp is led by Damian Kozlowski (CEO). The organizational structure includes executive management overseeing the key business segments, supported by departments like finance, risk management, and technology.
Top Products and Market Share
Key Offerings
- Competitors: MetaBank, Green Dot Corporation
- Prepaid Card Programs: Offers prepaid card solutions to various industries, including government, payroll, and consumer sectors. Market share data is difficult to precisely quantify, but The Bancorp is a major player in the private-label prepaid card market. Competitors include MetaBank, Green Dot Corporation and numerous smaller fintech companies focusing on specific prepaid card niches. Revenue data is not broken out specifically, but is incorporated into the Payment Solutions segment numbers in the financials.
- Competitors: JP Morgan Chase, Bank of America, OnDeck
- Small Business Lending: Provides loans and leases to small businesses. The Bancorp competes with traditional banks, credit unions, and online lenders in this market. Market share is relatively small compared to larger national banks. Specific revenue data is incorporated into the commercial lending segment.
Market Dynamics
Industry Overview
The financial services industry is undergoing rapid transformation due to technological advancements, increasing regulatory scrutiny, and changing customer expectations. Fintech companies are disrupting traditional banking models, while established players are investing in digital innovation.
Positioning
The Bancorp positions itself as a provider of banking infrastructure and payment solutions to non-bank financial service companies. Its competitive advantage lies in its specialized expertise and scalable platform, allowing fintech companies to rapidly launch and manage their financial products.
Total Addressable Market (TAM)
The global payments market is estimated to be in the trillions of dollars. The Bancorp is well-positioned to address a significant portion of this TAM through its partnerships with fintech companies. The small business lending market is also very large, with The Bancorp serving a niche market within that large TAM.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Specialized expertise in private-label banking solutions
- Established relationships with fintech companies
- Experienced management team
Weaknesses
- Reliance on a few key clients
- Vulnerability to regulatory changes
- Smaller scale compared to larger banks
- Exposure to credit risk in commercial lending
Opportunities
- Growing demand for fintech solutions
- Expansion into new geographic markets
- Development of new payment products and services
- Strategic acquisitions of complementary businesses
Threats
- Increased competition from established banks and fintech companies
- Cybersecurity risks
- Economic downturn impacting commercial lending
- Changes in consumer payment preferences
Competitors and Market Share
Key Competitors
- Meta Financial Group (CASH)
- Green Dot Corporation (GDOT)
- Fiserv (FI)
Competitive Landscape
The Bancorp's advantage lies in its focus on providing banking infrastructure and payment solutions for fintech companies, but it faces competition from larger, more diversified financial institutions and specialized fintech providers.
Growth Trajectory and Initiatives
Historical Growth: Analysis requires accessing up-to-date financial reports from The Bancorp and doing historical revenue, earnings and margin trend analysis to determine the historical growth.
Future Projections: Future revenue and earnings projections will vary based on analyst estimates.
Recent Initiatives: Recent strategic initiatives of The Bancorp involve expansion of their embedded banking capabilities, partnerships with fintech companies, and investment in technology upgrades.
Summary
The Bancorp is a specialized banking solutions provider with a strong focus on fintech partnerships. The company's technology platform and expertise in private-label banking provide a competitive advantage. However, reliance on key clients and exposure to regulatory changes remain risks. Future growth will depend on expanding its fintech partnerships and capitalizing on opportunities in the growing digital payments market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on your own research and due diligence.
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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