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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
10/02/2026: TBBK (1-star) is currently NOT-A-BUY. Pass it for now.
The Bancorp Inc is a specialized financial holding company that functions as a critical infrastructure provider for the fintech industry, focusing on card-issuing, payment services, and specialty lending. Its primary strength lies in its ability to navigate complex regulatory environments to enable non-bank partners to offer financial services. The core growth opportunity stems from the ongoing digitization of finance, which continues to drive demand for its banking-as-a-service platform. However, the company faces risks related to partner concentration and the evolving regulatory landscape. The stock may best suit investors looking for long-term growth in the fintech infrastructure space, while monitoring developments in partnership retention and regulatory compliance.
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 serves high-growth fintech markets, providing a platform for scalable expansion. |
| Momentum investor | Strong fit while signal remains positive | The stock has historically responded to positive trends in the digital banking sector. |
| Value investor | Mixed fit | Valuation fluctuates based on banking cycle expectations and interest rate sensitivity. |
| Dividend investor | Weak fit | The company does not currently pay a cash dividend. |
| Low-risk investor | Mixed fit | Regulatory and concentration risks make it more volatile than a traditional diversified retail bank. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is sensitive to interest rate changes and regulatory news. |
| Valuation risk | Medium | Market pricing depends on sustained growth in fee-based fintech partnerships. |
| Competition risk (fintech banking services) | Medium | New entrants and larger banks are targeting the BaaS space. |
| Business quality | Strong | The company has developed a specialized, hard-to-replicate niche in banking infrastructure. |
| Dividend income | Low / none | Investors should not rely on the stock for recurring income. |
| Execution risk | Medium | Maintaining compliance while scaling fintech partnerships is operationally complex. |
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 -10.42% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/02/2026 |
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 2.00B USD | Price to earnings Ratio 9.05 | 1Y Target Price 80.67 |
Price to earnings Ratio 9.05 | 1Y Target Price 80.67 | ||
Volume (30-day avg) 561.1K shares | Beta 1.18 | 52 Weeks Range 47.01 - 81.65 | Updated Date 10/01/2026 |
52 Weeks Range 47.01 - 81.65 | Updated Date 10/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.41 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Fintech Solutions (BaaS) | Card issuing, payment processing, and technology platform support. | The company earns fees by enabling other companies to offer banking services. |
| Specialty Lending | Securities-backed lines of credit and commercial loans. | The company earns interest income by lending money to businesses and investors. |
Valuation
Trailing PE 9.05 | Forward PE 14.6 | Enterprise Value 2.87B | Price to Sales(TTM) 3.75 |
Enterprise Value 2.87B | Price to Sales(TTM) 3.75 | ||
Enterprise Value to Revenue 3.33 | 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 100.46 |
Upturn AI Summary
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.
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.
About The Bancorp Inc
Exchange NASDAQ | Headquarters 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 733 | Website https://www.thebancorp.com |
Full time employees 733 | 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; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card 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; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
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