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The Bancorp, Inc.

TBBK Financial Banks Regional

The Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $879.7 million, up 24.1% from fiscal 2024.

Revenue
−18.9%
EPS
+28.6%
Free cash flow
−31.2%
Total debt
−3.95%

Quarter to September 2026, against a year earlier

47.92 0.58 +1.23%
Market cap
$2.0B
P/E
8.4×
Fwd P/E
7.8×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.85
Sold, $m 1.23
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 4 — — 1 — — — — — 3
Sell — — — 1 2 — — — 1 — — —
Insider Ownership 5.72%

Capital & Financial Ratios $m

Size
Market Cap 1,950.00
Revenue ttm 795.85
Net income ttm 231.94
Free cash flow ttm 232.48
Net debt Q 126.08
Valuation
P/E 8.36
Forward P/E 7.80
Price / sales 2.45
Forward P/S Powerpack
Price / FCF 8.39
Price / book 2.76
Financial health
Current ratio Q 0.88
Debt / equity Q 0.32
Interest coverage Q —
Growth
Revenue growth Q −18.88% (below 0%: shrinking)
Operating income growth Q −1.96% (below 0%: shrinking)
EPS, this year +21.54% (at or above 15%: strong)
EPS, next year A +23.30% (at or above 15%: strong)
Revenue, next year A −59.02% (below 0%: weak)
EPS, past 5 yrs +29.14% (at or above 15%: strong)
EPS, next 5 yrs A +18.08% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 11.90%
10-year low 10-year high
P/S against its own 10 years 33.33%
10-year low 10-year high
P/B against its own 10 years 75.32%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,038 570 113 88
Receivables — — — —
Inventory — — — —
Other — — — —
6,742 6,904 7,346 7,435
2023 2024 2025 Q'26
Payables 6,681 7,746 8,165 7,338
ST’ Debt — — — —
Other — — — —
6,681 7,746 8,364 8,448

Compound Annual Growth %

10y 5y 3y
Sales 15.05% 24.39% 28.56%
Cash Flow 0.00% 17.04% 30.36%
Earnings 32.75% 23.30% 20.57%
Book Value 7.98% 3.49% (0.20%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.48 Actual 1.47

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.46 1.28 Miss by 0.18
Q1 FY26 1.34 1.41 Beat by 0.07
Q2 FY26 1.36 1.45 Beat by 0.09
Q3 FY26 1.48 1.47 Miss by 0.01
Q4 FY26 1.70 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 1.41 1.45 1.53 — —
’25 1.19 1.27 1.18 1.28 4.92
’24 1.06 1.05 1.04 1.15 4.29
’23 0.88 0.89 0.92 0.81 3.49
’22 0.50 0.53 0.54 0.71 2.27
’21 0.44 0.50 0.48 0.46 1.88
’20 0.22 0.35 0.40 0.41 1.37
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 202 205 176 — —
’25 223 227 217 213 880
’24 165 168 172 204 709
’23 151 156 156 159 622
’22 81 90 107 136 414
’21 81 83 80 83 327
’20 68 72 77 78 295
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 85 35 — — —
’25 95 51 152 (32) 265
’24 75 17 51 67 210
’23 43 29 53 61 187
’22 18 21 28 51 120
’21 20 14 38 13 84
’20 (507) (47) 644 31 121
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 84 34 — — —
’25 92 50 151 (37) 256
’24 74 16 49 65 203
’23 39 24 50 61 174
’22 17 20 26 51 114
’21 19 13 38 12 82
’20 (508) (47) 644 28 117
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 145 214 302 284 295 327 414 622 709 880 796 +22.2% 361 363 — (35.7%)
Gross margin, % 91.53 92.82 91.02 86.51 94.61 96.56 85.64 74.99 75.27 80.01 84.61 (11.5) pt
EBT (69) 40 120 72 108 144 178 257 292 303 306 n/m
EBT margin, % (48.02) 18.91 39.69 25.55 36.66 44.11 42.98 41.31 41.20 34.45 38.50 +82.5 pt
Net income (57) 17 88 51 81 110 130 192 218 228 232 n/m
Per share, $
Per share, $ Revenue 3.25 3.84 5.36 5.00 5.14 5.72 7.32 11.40 14.17 19.22 19.56 +21.8%
Earnings (2.17) 0.39 1.57 0.91 1.39 1.93 2.30 3.53 4.35 4.99 5.73 n/m
Cash flow (3.63) (0.50) (3.09) 1.18 2.10 1.47 2.12 3.43 4.19 5.79 0.00 n/m
Capex (0.17) 0.01 (0.04) (0.04) (0.06) (0.03) (0.09) (0.23) (0.13) (0.20) 0.00 +1.8%
Free cash flow (3.80) (0.50) (3.13) 1.14 2.04 1.44 2.02 3.20 4.06 5.59 0.00 n/m
Book value 6.71 5.82 7.22 8.54 10.11 11.41 12.27 14.81 15.78 15.07 16.63 +9.4%
Shares, m 45 56 56 57 57 57 57 55 50 46 43 +0.3%
Valuation, ×
Valuation, × P/E 0.00 25.56 5.04 14.25 9.82 13.18 12.70 10.87 12.10 13.53 8.36 11.7
P/S 2.48 2.60 1.49 2.60 2.66 4.43 4.01 3.36 3.72 3.51 2.45 3.1
P/B 1.20 1.71 1.10 1.52 1.35 2.22 2.39 2.59 3.34 4.48 2.76 2.2
EV/Sales (2.51) (1.40) (0.17) (0.54) 2.00 3.05 2.16 1.93 3.09 3.64 — 1.1
EV/FCF 2.14 10.77 0.29 (2.37) 5.05 12.11 7.80 6.90 10.76 12.51 — 6.6
Cash, $m
Cash, $m Operating cash flow (162) (28) (174) 67 121 84 120 187 210 265 240 n/m
Capex (7) 0 (2) (2) (4) (2) (5) (13) (7) (9) (8) +2.1%
Free cash flow (169) (28) (176) 65 117 82 114 174 203 256 232 n/m
Balance, $m
Balance, $m Working capital (1,349) (1,453) (1,187) (1,099) (649) (239) (56) 61 (842) (1,019) (1,012) (3.1%)
Net debt (723) (853) (499) (890) (194) (450) (766) (890) (446) 111 126 n/m
Shareholders’ equity 299 324 407 484 581 652 694 807 790 690 677 +9.7%
Returns, %
Returns, % ROA (2.01) 0.45 1.94 1.02 1.34 1.69 1.77 2.46 2.65 2.52 2.66 +4.5 pt
ROIC 0.00 0.00 0.00 0.00 17.46 44.55 0.00 0.00 53.18 23.66 23.85 +23.7 pt
ROE (31.18) 6.96 24.26 11.57 15.03 17.94 19.34 25.62 27.24 30.85 0.00 +62.0 pt
People
People Employees 589 538 589 612 635 650 717 757 771 733 — +2.5%
Revenue/emp, $m 0.25 0.40 0.51 0.46 0.47 0.50 0.58 0.82 0.92 1.20 — +19.3%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

The Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FCF First Commonwealth Financial Corporation $2.0B 12.8× 12.0× +0.78% (above 0%: growing) +37.50% (above 0%: growing) −98.48% (below 0%: shrinking) 75.67% 0.00% Compare
CHCO City Holding Company $2.0B 15.5× 15.2× +1.16% (above 0%: growing) +1.24% (above 0%: growing) −0.06% (below 0%: shrinking) 80.74% 0.00% Compare
TBBK The Bancorp, Inc. $2.0B 8.4× 7.8× −18.88% (below 0%: shrinking) +28.59% (above 0%: growing) −31.16% (below 0%: shrinking) 100.00% 0.00%
GABC German American Bancorp, Inc. $1.9B 13.3× 12.4× +3.05% (above 0%: growing) +21.43% (above 0%: growing) +110.42% (above 0%: growing) 78.75% 0.00% Compare
HAPN Happen Inc. $1.9B 8.9× 8.2× +2.52% (above 0%: growing) +31.59% (above 0%: growing) +10.37% (above 0%: growing) 73.43% 0.00% Compare
DCOM Dime Community Bancshares, Inc. $1.9B 13.8× 12.4× +5.20% (above 0%: growing) +52.54% (above 0%: growing) +106.33% (above 0%: growing) 68.53% 0.00% Compare
OCFC OceanFirst Financial Corp. $1.8B 21.6× 16.6× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00% Compare
FSUN FirstSun Capital Bancorp $1.8B 19.8× 19.8× +88.18% (above 0%: growing) n/m +8,383.96% (above 0%: growing) 67.96% 0.00% Compare
STBA S&T Bancorp, Inc. $1.8B 12.8× 12.3× +0.71% (above 0%: growing) +19.78% (above 0%: growing) −0.50% (below 0%: shrinking) 73.62% 0.00% Compare
Median of peers $1.9B 13.6× 12.4× +2.79% +26.51% +18.73% 73.53% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 13 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.53m 8.43m 128.00
2024 7.52m 10.88m 136.00
2023 2.78m 6.31m 136.00
2022 5.91m 6.86m 112.00
2021 4.61m 11.89m 185.00
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

The Bancorp, Inc. (TBBK) Latest News

2 Nov

Impact 3 · · StockStory

30 Oct

Impact 4 · · The Motley Fool transcript
Impact 3 · · MarketBeat transcript

29 Oct

Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Zacks

28 Oct

Impact 3 · · StockStory

23 Oct

Impact 3 · · Business Wire

20 Oct

Impact 3 · · Zacks

14 Oct

Impact 3 · · StockStory

8 Oct

Impact 3 · · StockStory

7 Oct

Impact 4 · · Business Wire

15 Sep

Impact 3 ·

11 Sep

Impact 4 · · MarketBeat

9 Sep

Impact 4 · · The Motley Fool

4 Sep

Impact 3 ·

2 Sep

Impact 4 · · MarketBeat

25 Aug

Impact 3 · · MarketBeat

7 Aug

Impact 3 · · The Motley Fool transcript

31 Jul

Impact 4 ·
Impact 4 · · Moby transcript
Impact 3 ·
Impact 3 · · MarketBeat transcript

30 Jul

Impact 4 ·
Impact 3 ·
Impact 3 ·
Impact 3 ·
Impact 3 ·
Impact 3 ·

20 Jul

Impact 3 ·
stockrow.com/TBBK · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com