The Bancorp, Inc. (TBBK) Stock Price & Analysis
The Bancorp, Inc. (TBBK) closed at USD 50.52 on Thursday, October 29, 2026, up 0.20% on the day. The US market is currently closed (after-hours); this is not a live price.
The prior close was USD 50.42; the Oct 29, 2026 session ranged USD 50.32–51.46 on volume of 676,953 shares. Market capitalization is $2.06B, with a 52-week range of USD 47.01–79.3 (NMS). Source: Nexqual, retrieved October 29, 2026 at 20:10 UTC.
Also available as compact Markdown for AI agents: nexqual.com/TBBK.md
Key facts (TBBK)
- Last four reported quarters (through Jun 30, 2026): revenue $672M, net income $232M (34.5% margin) (SEC filings).
- Valuation: P/E 8.9x (avg 12.3x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 3 Form 4 filings, $996K; 3 not under a Rule 10b5-1 plan ($996K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 1 Form 4 filing, $149K; 1 by opportunistic insiders, 0 by routine insiders.
- Analysts: Strong Buy (mean 1.33 on a 1–5 scale) (3 analysts), mean target USD 76 (range 65–88).
- Total return with dividends: 1Y -34.6% vs S&P 500 +14.4%; 5Y +65.4% vs S&P 500 +79.1%.
- Next earnings: 2026-10-29, EPS estimate USD 1.47, revenue estimate $90.6M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (TBBK)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $316M | $355M | $466M | $534M | $704M | $672M |
| Net income | $111M | $130M | $192M | $218M | $228M | $232M |
| EPS (diluted) | $1.88 | $2.27 | $3.49 | $4.29 | $4.92 | — |
| Free cash flow | $82.3M | $114M | $174M | $205M | $258M | $233M |
| Net margin | 35.1% | 36.7% | 41.3% | 40.8% | 32.4% | 34.5% |
| Revenue growth | +12.9% | +12.3% | +31.5% | +14.5% | +31.9% | — |
| Cash + short-term investments | $602M | $888M | $1.04B | $570M | $113M | — |
| Total debt | $39.5M | $10.0M | $38.6M | $14.1M | — | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (TBBK)
P/E 8.9x · P/S 3.1x · P/FCF 8.8x · P/B 2.9x · FCF yield 11.32% · Earnings yield 11.26% · Buyback yield (TTM) 19.59%
P/E at fiscal year-ends: Dec 2025 13.7x, Dec 2024 12.3x, Dec 2023 11.0x.
Insider sales (SEC Form 4, open-market, last ~7 months) (TBBK)
0 of 3 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-06 | Egan Martin | Chief Accounting Officer | 3,057 | $220K | 7.3% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-04-29 | Caesar Erika R | EVP and General Counsel | 4,470 | $269K | 12% | No | Too little history (no open-market trades in 2024) |
| 2026-04-28 | Wainwright Maria | EVP & Chief Marketing Officer | 8,400 | $506K | 25.2% | No | Too little history (no open-market trades in 2023 or 2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Insider purchases (SEC Form 4, open-market, last ~7 months) (TBBK)
1 purchase, $149K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-05-01…2026-05-04 | Cohn Matthew | Director | 2,500 | $149K | 59.52 | Opportunistic (traded every year 2023–2025, no repeating month) |
Analysts (TBBK)
Consensus Strong Buy (mean 1.33 on a 1–5 scale), 3 analysts; mean target USD 76 (low 65, high 88).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-17 | Piper Sandler | Target lowered | Overweight | $86 → $75 |
| 2026-08-03 | Keefe, Bruyette & Woods | Target raised | Outperform | $77 → $79 |
| 2026-08-03 | Piper Sandler | Target raised | Overweight | $70 → $86 |
| 2026-07-09 | Keefe, Bruyette & Woods | Upgrade | Market Perform → Outperform | $72 → $77 |
Total return (dividends reinvested) (TBBK)
| 1Y (from 2025-10-30) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -34.6% | +65.4% |
| S&P 500 (SPY) | +14.4% | +79.1% |
| Per year | -34.6% | +10.6% |
| Volatility (annualized) | 48.0% | 45.2% |
| Max drawdown | -37.7% (Oct 2025→Oct 2026) | -48.3% (Nov 2021→Jun 2022) |
TBBK earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| Jul 30, 2026 | Quarter ended Jun 30, 2026 | $1.45 | $1.36 | Beat +6.6% | -0.8% |
| Apr 23, 2026 | Quarter ended Mar 31, 2026 | $1.41 | $1.34 | Beat +5.2% | -3.8% |
| Jan 29, 2026 | Quarter ended Dec 31, 2025 | $1.28 | $1.46 | Miss −12.3% | -11.5% |
| Oct 30, 2025 | Quarter ended Sep 30, 2025 | $1.18 | $1.33 | Miss −11.3% | -15.8% |
| Jul 24, 2025 | — | — | — | — | -8.4% |
| Apr 24, 2025 | — | — | — | — | -0.8% |
| Jan 30, 2025 | — | — | — | — | +10.3% |
| Oct 24, 2024 | — | — | — | — | -14.2% |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
TBBK recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Oct 29, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
| Oct 8, 2026 | 8-K/A | Director or executive officer change, or pay arrangement “In a current report on Form 8-K filed on September 4, 2026 (the "Prior 8-K"), The Bancorp, Inc. reported that in connection with the implementation of an organizational restructuring by its wholly owned subsidiary, The Bancorp Bank, N.A. (the "Bank"), Jeffrey Nager, the Bank's Head of Commercial Lending, would depart the Bank on October 1, 2026. This Amendment to the Prior 8-K is being filed to disclose the terms of Mr. Nager's separation from service with the Bank. On October 2, 2026, Mr. Nager and the Bank…” |
| Sep 4, 2026 | 8-K | Exit or restructuring costs (layoffs, closures); Director or executive officer change, or pay arrangement; Regulation FD disclosure “On September 1, 2026, The Bancorp Bank, N.A. (the "Bank"), a wholly owned subsidiary of The Bancorp, Inc. (the "Company"), implemented an organizational restructuring to further align its resources and business with the Company's strategic priorities (the "Restructuring"). As part of the Restructuring, the Bank intends to discontinue the origination of retail and wholesale Small Business Lending ("SBL") loans by the end of 2026, and focus on managing its existing SBL loan portfolio. In connection with these…” |
| Aug 14, 2026 | Schedule 13G/A | American Century Investment Management, Inc., American Century Companies, Inc.: 8.6% of shares, passive 5%+ holder (amended) |
| Aug 6, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Aug 3, 2026 | 8-K | Regulation FD disclosure |
| Jul 31, 2026 | Schedule 13G | Vanguard Capital Management: 5.0% of shares, passive 5%+ holder |
| Jul 30, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
TBBK revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Total fintech fees | $40.9M | — | +14.7% |
| Prepaid, debit card and related fees | $27.8M | — | +6.4% |
| ACH, card and other payment fees | $6.6M | — | +17.9% |
| Consumer credit fintech fees | $6.5M | — | +64.9% |
| Total revenue | — | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
TBBK suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Supplier | Federal Deposit Insurance | “Also, from these fintech services we source our deposits, which are comprised primarily of millions of small transaction-based consumer balances, the vast majority of which are FDIC-insured.” |
| Competitor | Visa (V) | “Other risks related to prepaid cards include competition for prepaid, debit and other payment mediums, possible changes in the rules of networks, such as Visa and Mastercard and others, in which the Bank operates, changes in network fees or interchange rates and state regulations related to prepaid cards, including those regarding escheatment.” |
| Competitor | Mastercard (MA) | “Other risks related to prepaid cards include competition for prepaid, debit and other payment mediums, possible changes in the rules of networks, such as Visa and Mastercard and others, in which the Bank operates, changes in network fees or interchange rates and state regulations related to prepaid cards, including those regarding escheatment.” |
Quoted from the company's 10-K filed Feb 25, 2026.
Companies that name TBBK in their SEC reports
| Relationship to TBBK | Company | Filing | Sentence |
|---|---|---|---|
| partner | Hoyne Bancorp, Inc. (HYNE) | 10-K Mar 26, 2026 | “Hoyne Savings Bank has an agreement with Hoyne Bancorp, Inc. to provide it with certain administrative support services for compensation not less than the fair market value of the services provided.” |
TBBK company outlook (results filed Oct 29, 2026)
- “We are maintaining Core EPS (1) guidance in the range of $5.95 - $6.05 a share for 2026 (2) , and providing a Core EPS (1) baseline range of $7.00 - $7.20 a share for 2027.”
- “In addition, we are initiating preliminary Core EPS (1) guidance for 2028 of $8.00 - $8.20 a share.”
- “Our guidance in 2026, 2027 and 2028 includes stock buybacks.”
- “We expect to repurchase $200 million of shares in 2026, or $50 million a quarter.”
Quoted word-for-word from the SEC 8-K results press release.
TBBK analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $1.47 | $1.43 | +2.8% | $90.6M | 3 |
| Next quarter (ends Dec 2026) | $1.70 | $1.74 | -2.5% | $90.5M | 2 |
| Current fiscal year (ends Dec 2026) | $5.98 | $5.91 | +1.2% | $360.3M | 3 |
| Next fiscal year (ends Dec 2027) | $8.00 | $8.07 | -0.8% | $362.4M | 3 |
TBBK options: expected move
Options price a move of about ±10.2% (±$5.10) by Nov 20, 2026, which includes earnings on Oct 29, 2026. Over the last 8 reports the stock moved ±8.2% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 22 | 49.9% | ±10.2% |
| Dec 18, 2026 | 50 | 45.7% | ±13.9% |
| Feb 19, 2027 | 113 | 46.2% | ±20.8% |
| May 21, 2027 | 204 | 46.2% | ±27.7% |
30-day implied volatility 47.9% vs 23.5% realized over the last 30 trading days. Put/call ratio (volume) —. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 29, 2026 at 20:10 UTC)
| Price | USD 50.52 |
|---|---|
| Change | ▲ 0.20% (up) |
| Previous Close | USD 50.42 |
| Open | USD 51.28 |
| Day Range | USD 50.32 – 51.46 |
| 52-Week Range | USD 47.01 – 79.3 |
| Volume | 676,953 shares |
| Market Cap | $2.06B |
| Exchange | NMS |
Technical Analysis (TBBK)
Nexqual's technical model rates TBBK "NEUTRAL" based on 2 bullish and 3 bearish signals across 127 daily candles, as of October 29, 2026 at 20:10 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 53.54 (neutral) |
| vs SMA50 | Below (USD 54.03) |
| MACD | -0.6 (negative) |
Analyst Ratings (TBBK)
Wall Street analysts rate TBBK "Strong Buy" based on 3 analysts, with a mean price target of USD 76 (range USD 65–88), per Nexqual as of October 29, 2026 at 20:10 UTC.
| Consensus Rating | Strong Buy |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 76 |
| High Target | USD 88 |
| Low Target | USD 65 |
| Buy / Hold / Sell | 3 / 0 / 0 |
Earnings (TBBK)
| Next Earnings Date | 2026-10-29 |
|---|---|
| EPS Estimate | USD 1.47 |
| Revenue Estimate | $90.56M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.45 vs est 1.36 ▲ beat |
| 2026-03-31 | USD 1.41 vs est 1.34 ▲ beat |
| 2025-12-31 | USD 1.28 vs est 1.46 ▼ miss |
| 2025-09-30 | USD 1.18 vs est 1.33 ▼ miss |
Source: Nexqual, October 29, 2026 at 20:10 UTC.
Financials & Fundamentals (TBBK)
| Total Revenue | $531.90M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +0.40% |
| Gross Margin | +0.00% |
| Operating Margin | +59.71% |
| Profit Margin | +43.61% |
| ROE | +29.63% |
| Total Cash | $80.08M |
| Total Debt | $958.26M |
Source: Nexqual, October 29, 2026 at 20:10 UTC.
Financial Health Score (TBBK)
Nexqual rates The Bancorp, Inc.'s overall financial health "Solid" across five dimensions, as of October 29, 2026 at 20:10 UTC.
| Growth | Weak — Revenue -0% YoY (annual), declining |
|---|---|
| Profitability | Strong — Net margin 35% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Strong — ROE 33%, ROA 2.5% (last 4 quarters, SEC) |
Ownership (TBBK)
| Insider Ownership | +6.22% |
|---|---|
| Institutional Ownership | +100.94% |
| Shares Outstanding | 40.79M |
| Float | 38.27M |
| Short % of Float | +14.26% |
Source: Nexqual, October 29, 2026 at 20:10 UTC.
Leadership (TBBK)
The Bancorp, Inc. is led by Damian M. Kozlowski, CEO, President & Director, per Nexqual as of October 29, 2026 at 20:10 UTC.
| CEO, President & Director | Damian M. Kozlowski |
|---|---|
| Executive VP & CFO | Dominic C. Canuso C.F.A. |
| Executive VP & COO | Gregor J. Garry |
| Director of Investor Relations | Andres Viroslav |
| Executive VP & Chief Marketing Officer | Maria Wainwright |
Major Backers & Investors (TBBK)
Notable institutional backers of The Bancorp, Inc. include American Century Companies Inc, Nantahala Capital Management, LLC, Brown Advisory Inc., according to Nexqual as of October 29, 2026 at 20:10 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 8.8% |
| Nantahala Capital Management, LLC | 3.04% |
| Brown Advisory Inc. | 2.79% |
| Jupiter Topco LLC | 2.77% |
| Invesco | 2.75% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 14.85% |
| State Street | 6.62% |
| Vanguard Group | 4.34% |
| Geode Capital | 3.41% |
| Dimensional Fund Advisors | 3.29% |
Source: Nexqual, October 29, 2026 at 20:10 UTC.
From The Bancorp, Inc.'s Latest SEC 10-K Filing (filed 2026-02-25)
Key Strengths & Strategy (as disclosed to the SEC)
- We maintain a platform of web technologies, databases, firewalls, and licensed and proprietary financial services software to support our unique product offerings and to serve our partners, customers, and clients.
- Our principal focus is the growth of our Fintech Solutions business, and related fintech fee income, through growing our program sponsorship balances, growing our product offerings, and expanding our platform.
- We continue to invest in our infrastructure, with a focus on investing in automation and AI tools to gain cost efficiency and increase productivity of our people and platform, and redeploying or reducing resources where appropriate.
- We believe that our infrastructure can accommodate significant additional growth without a proportionate increase in expense.
Partnerships
- Loans receivable originated under fintech agreements are governed by an agreement with the borrower and may include secured credit cards and unsecured short-term extensions of credit.
Legal & Regulatory Risks (Item 1A, quoted)
- We are subject to and may be affected by extensive government regulation or material changes in the regulatory landscape.
- The Bank continues to closely monitor its performance in alignment with its CRA strategic plan to meet the specified lending, service and investment requirements contained therein. There can be no assurance that we will maintain a satisfactory rating, and if not maintained, the Bank would be subject to certain business restrictions as required by the CRA and FDIC regulations.
- Failure to comply with personal data protection and privacy laws can adversely affect our business.
- We may terminate relationships for various reasons, such as a partner's failure to implement or maintain sufficient compliance and operational controls, increased financial or regulatory risk, or material changes in applicable law or our business.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FITB | Fifth Third Bancorp | USD 54.45 | ▲ 1.82% |
| NU | Nu Holdings Ltd. | USD 12.05 | ▲ 0.67% |
| TFC | Truist Financial Corporation | USD 49.31 | ▲ 1.83% |
| DB | Deutsche Bank AG | USD 34.88 | ▲ 4.09% |
| NWG | NatWest Group plc | USD 17 | ▼ 1.36% |
| LYG | Lloyds Banking Group Plc | USD 5.26 | ▼ 4.45% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 20:10 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt