QualityDipStocks / Finance · Major Banks
The Bancorp TBBK
Outside our quality screen, so we don’t track its dips. It’s 36% below its 52-week high.
Outside our quality screen, trading near our fair value estimate.
Worth knowing
- Share count down 16% in 2 years
- Lowest close since Apr 2025
From the data on this page, as of the last close. How we pick these
- Fair value est.
- $41.56−10%
- Market Value
- forming
- Off 52-wk high
- −36%
- Risk vs market
- Market-likebeta 1.08
52-week range at its 52-week low
Price $46.17Fair value est. $41.56
4 bullish · 3 bearish See why
Repriced or dip?
Repricing: business changed
The price is 36% below its 52-week high (Aug 4), but the business held up: shares outstanding fewer shares, each owns more, earnings per share +4.8%.
Some numbers held up (shares outstanding fewer shares, each owns more, earnings per share +4.8%), others slipped (revenue growth rate −13.2 pts, revenue −2.6%). The price is 36% below its 52-week high.
The price is 36% below its 52-week high, and the business changed too: revenue growth rate −13.2 pts, revenue −2.6%.
Within 10% of its 52-week high, so there is no dip to judge yet.
The evidence 7 numbers, high vs now
- Revenue, last 12 months$690M → $672M (−2.6%)changed
- Revenue growth rate+17.8% → +4.7% a year (−13.2 pts)changed
- Earnings per share, 12 months$5.43 → $5.69 (+4.8%)held up
- Shares outstanding−4.2% (fewer shares, each owns more)held up
- Stock vs its sector (Finance)stock −36%, sector median −5% since Aug 4changed
- Price fall vs business numbersprice −36%, revenue/EPS/FCF median +1% (shown, not scored)
- Valuation multipleP/E 13.3× at the high → 8.1× now (shown, not scored)
Business numbers as reported at the high (12 months to Mar 31, 2026) vs the latest filing (12 months to Jun 30, 2026). Each measure is scored from −1 (business changed) to +1 (business intact) and weighted: revenue, earnings per share, free cash flow, operating margin, revenue growth rate, share count, net cash and the move vs its sector. 60 or more reads as a dip, 40 or less as a repricing. Analyst estimates are not in our data, so they are not used. How to read it
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 13.3×; 52-wk low: P/E 8.3×; now: P/E 8.1×.
| High | Low | Now | |
|---|---|---|---|
| Price | $72.05Aug 4 | $46.17Nov 2 | $46.17 |
| P/E | 13.3× | 8.3× | 8.1× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
How the range is computed
Financials model (residual income). Same residual-income model as the base: cost of equity 9.5% ±1 point and return on equity 26.7% ±2 points. Bear = 10.5% and 24.7%; bull = 8.5% and 28.7%. A model estimate from public filings, not a forecast of where the price will go.
Price sits inside the range.
What the price implies To be worth today’s price, TBBK would need a return on equity of about 30% a year; our estimate uses 27%.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much TBBK moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves about in line with the market, and its own price swings are 3.6× the S&P 500’s.
- Beta vs S&P 500
- 1.08
- Volatility
- 46% vs 13% SPY
- Correlation SPY
- 0.30
- Correlation QQQ
- 0.18
How it ranks
Where TBBK stands vs every one of the 2,467 stocks we cover that has the number. Longer bar = better.
Top quarter on 1 of 3 measures
- Discount to fair value estimate10% · price above our base caseLowest 45%of 1,507
- Dividends + buybacks yield21% · cash paid out or used to retire shares, vs market capTop 1%of 2,227
- Revenue growth, last 12 months+4.7% · vs the 12 months beforeLowest 29%of 2,184
From SEC filings and our fair value estimate model. A ranking, not advice.
Valuation details
DCF $41.56
Financials model (residual income): book value $17.38 a share on Jun 30, 2026, plus the earnings above a 9.5% cost of equity. ROE 26.7%, the average of 29.6% for the trailing 12 months to Jun 30, 2026 and 23.9% over fiscal 2021–2025, on average common equity; payout 100% of earnings (dividends 0% + net buybacks 165%; capped at 100%), so book grows by the retained rest; the return above 9.5% fades halfway toward 9.5% over 10 years, then grows at 3% (terminal value). From the 10-Q filed Aug 6, 2026.
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
Cash returnsShare count down 11.4% in a year: $404M of buybacks over 12 months.
GrowthSales compounded 26% a year from FY2022 to FY2025.
ValuationP/E of 8.1× vs a 13.3× median for the 364 Finance companies we cover.
ProfitabilityReturn on equity of 30% over the last 12 months, up 9 points in two years.
Top bearish points 3 of 5
GrowthSales growth slowed to 5% over the last 12 months, from 26% a year over the prior three fiscal years.
ValuationPrice / book of 2.7×, above the 1.6× median for the 368 Finance companies we cover.
QualityDoesn’t pass our quality screen: no cash-flow data.
All fundamentals
P/E 8.1 · ROE 30% · Sales +5%
Valuation
- P/E
- 8.1×Finance median 13.3×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 2.80×
- Price / book
- 2.67×
- Market cap
- $1.9Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $672Mnet interest income + noninterest income
- Sales growth, 12 months
- +4.7%vs the 12 months before
- Sales growth, 3 yrs
- +25.7%/yrfrom FY2022
- Diluted EPS, 12 months
- $5.32
- EPS growth, last FY
- +14.7%
- Net income, 12 months
- $232M
- Net income growth
- +3%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 34.5%
- FCF margin
- 34.7%
- Return on equity
- 30%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $80M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $233M
- FCF growth, 12 months
- −10%
- Dividend yield
- 0%
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- $404M21.4% of market cap
- Share count, 1 year
- −11.4%diluted shares vs a year ago
- Stock-based comp
- $20M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From The Bancorp’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +4%
- Return on equity33%
- Sales growth (latest quarter vs year-ago quarter)+4%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $46.17
- Fair value est.base case$41.56−10.0%
- 52-wk lowlowest close, 1 year$46.17at the price
- PriceMon Nov 2 close$46.17you are here
- 52-wk highhighest close, 1 year$72.05+56.1%
Momentum & 52-week range
RSI 31 · 5 days −9.1%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
TBBK is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on The Bancorp in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Major Banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.