Upturn unsubscribed user
$1.14/ day, billed weekly
Cancel anytime
(Ad-Free, Unlimited access)​
NO CREDIT CARD REQUIRED
TBBK logo TBBK
Upturn stock ratingUpturn stock rating
TBBK logo

The Bancorp Inc (TBBK)

Upturn stock ratingUpturn stock rating
$56.97
Last Close (24-hour delay)
Profit since last BUY4.23%
upturn advisory
Consider higher Upturn Star rating
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: TBBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $63.33

1 Year Target Price $63.33

Analysts Price Target For last 52 week
$63.33Target price
Low$37.65
Current$56.97
high$65.84

Analysis of Past Performance

Type Stock
Historic Profit -31.45%
Avg. Invested days 24
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.66B USD
Price to earnings Ratio 12.89
1Y Target Price 63.33
Price to earnings Ratio 12.89
1Y Target Price 63.33
Volume (30-day avg) 3
Beta 1.25
52 Weeks Range 37.65 - 65.84
Updated Date 06/30/2025
52 Weeks Range 37.65 - 65.84
Updated Date 06/30/2025
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 12.89
Forward PE -
Enterprise Value 2775062272
Price to Sales(TTM) 5.3
Enterprise Value 2775062272
Price to Sales(TTM) 5.3
Enterprise Value to Revenue 4.85
Enterprise Value to EBITDA -
Shares Outstanding 46709700
Shares Floating 44322879
Shares Outstanding 46709700
Shares Floating 44322879
Percent Insiders 4.34
Percent Institutions 106.92

Analyst Ratings

Rating 2
Target Price 63.33
Buy 3
Strong Buy -
Buy 3
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

The Bancorp Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 771

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.