The Bancorp, Inc. Logo

The Bancorp, Inc.

TBBK

(2.8)
Stock Price

55,17 USD

2.51% ROA

25.74% ROE

13.37x PER

Market Cap.

2.624.202.400,00 USD

19.01% DER

0% Yield

35.97% NPM

The Bancorp, Inc. Stock Analysis

The Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (25.63%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a minimal amount of debt (15%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Net Profit Growth

Over the last five years, this company's net profit has shown continuous growth, reflecting a robust financial performance and making it an attractive choice for potential investors.

5 ROA

The stock's ROA (2.53%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (2.77x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Buffet Intrinsic Value

The company's stock seems undervalued (135) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

The Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

The Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Bancorp, Inc. Revenue
Year Revenue Growth
2001 1.093.000
2002 2.294.000 52.35%
2003 19.861.000 88.45%
2004 26.500.000 25.05%
2005 36.482.000 27.36%
2006 49.311.000 26.02%
2007 60.283.000 18.2%
2008 46.616.000 -29.32%
2009 75.528.000 38.28%
2010 88.789.000 14.94%
2011 106.931.000 16.97%
2012 135.041.000 20.82%
2013 179.212.000 24.65%
2014 144.812.000 -23.75%
2015 205.231.000 29.44%
2016 132.952.000 -54.36%
2017 201.665.000 34.07%
2018 274.644.000 26.57%
2019 245.415.000 -11.91%
2020 279.483.000 12.19%
2021 315.625.000 11.45%
2022 354.524.000 10.97%
2023 462.648.000 23.37%
2023 623.510.000 25.8%
2024 672.084.000 7.23%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 0
2002 0 0%
2003 5.004.000 100%
2004 7.859.000 36.33%
2005 10.684.000 26.44%
2006 12.410.000 13.91%
2007 14.917.000 16.81%
2008 21.302.000 29.97%
2009 39.449.000 46%
2010 45.185.000 12.69%
2011 46.014.000 1.8%
2012 48.372.000 4.87%
2013 60.841.000 20.49%
2014 75.551.000 19.47%
2015 89.235.000 15.33%
2016 101.701.000 12.26%
2017 1.136.000 -8852.55%
2018 88.635.000 98.72%
2019 101.284.000 12.49%
2020 111.545.000 9.2%
2021 111.584.000 0.03%
2022 108.638.000 -2.71%
2023 125.124.000 13.18%
2023 135.131.000 7.41%
2024 150.800.000 10.39%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Bancorp, Inc. EBITDA
Year EBITDA Growth
2001 -52.000
2002 4.099.000 101.27%
2003 7.037.000 41.75%
2004 10.437.000 32.58%
2005 27.515.000 62.07%
2006 59.522.000 53.77%
2007 78.676.000 24.35%
2008 -18.788.000 518.76%
2009 26.511.000 170.87%
2010 26.367.000 -0.55%
2011 29.291.000 9.98%
2012 40.260.000 27.25%
2013 55.445.000 27.39%
2014 59.615.000 6.99%
2015 34.414.000 -73.23%
2016 -90.518.000 138.02%
2017 66.049.000 237.05%
2018 153.557.000 56.99%
2019 78.012.000 -96.84%
2020 111.530.000 30.05%
2021 147.678.000 24.48%
2022 242.448.000 39.09%
2023 265.804.000 8.79%
2023 -1 26580400100%
2024 -3.476.000 100%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Bancorp, Inc. Gross Profit
Year Gross Profit Growth
2001 1.093.000
2002 2.294.000 52.35%
2003 19.861.000 88.45%
2004 26.500.000 25.05%
2005 36.482.000 27.36%
2006 49.311.000 26.02%
2007 60.283.000 18.2%
2008 46.616.000 -29.32%
2009 75.528.000 38.28%
2010 88.789.000 14.94%
2011 106.931.000 16.97%
2012 132.534.000 19.32%
2013 177.751.000 25.44%
2014 144.474.000 -23.03%
2015 202.998.000 28.83%
2016 132.452.000 -53.26%
2017 201.665.000 34.32%
2018 274.644.000 26.57%
2019 245.415.000 -11.91%
2020 279.483.000 12.19%
2021 315.625.000 11.45%
2022 354.524.000 10.97%
2023 462.648.000 23.37%
2023 466.146.000 0.75%
2024 498.068.000 6.41%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Bancorp, Inc. Net Profit
Year Net Profit Growth
2001 -3.618.000
2002 9.000 40300%
2003 1.071.000 99.16%
2004 3.718.000 71.19%
2005 7.447.000 50.07%
2006 12.500.000 40.42%
2007 14.340.000 12.83%
2008 -42.380.000 133.84%
2009 4.102.000 1133.15%
2010 5.222.000 21.45%
2011 8.918.000 41.44%
2012 16.624.000 46.35%
2013 25.110.000 33.8%
2014 -18.360.000 236.76%
2015 14.385.000 227.63%
2016 -96.763.000 114.87%
2017 21.673.000 546.47%
2018 88.677.000 75.56%
2019 51.559.000 -71.99%
2020 80.084.000 35.62%
2021 110.653.000 27.63%
2022 130.213.000 15.02%
2023 200.548.000 35.07%
2023 192.296.000 -4.29%
2024 214.744.000 10.45%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 -2
2002 0 0%
2003 1 0%
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 100%
2008 -3 150%
2009 0 0%
2010 0 0%
2011 0 0%
2012 1 0%
2013 1 0%
2014 0 0%
2015 0 0%
2016 -2 100%
2017 0 0%
2018 2 100%
2019 1 0%
2020 1 100%
2021 2 0%
2022 2 50%
2023 4 33.33%
2023 4 0%
2024 4 25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
2003 1.447.000
2004 744.000 -94.49%
2005 7.590.000 90.2%
2006 16.583.000 54.23%
2007 18.558.000 10.64%
2008 -1.528.000 1314.53%
2009 44.675.000 103.42%
2010 2.009.000 -2123.74%
2011 35.534.000 94.35%
2012 27.944.000 -27.16%
2013 39.932.000 30.02%
2014 -56.604.000 170.55%
2015 -243.879.000 76.79%
2016 -225.978.000 -7.92%
2017 -34.583.000 -553.44%
2018 -176.535.000 80.41%
2019 -495.095.000 64.34%
2020 -515.916.000 4.04%
2021 82.343.000 726.55%
2022 115.848.000 28.92%
2023 174.029.000 33.43%
2023 743.000 -23322.48%
2024 15.257.000 95.13%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
2003 1.878.000
2004 2.146.000 12.49%
2005 9.304.000 76.93%
2006 18.132.000 48.69%
2007 20.412.000 11.17%
2008 2.576.000 -692.39%
2009 47.171.000 94.54%
2010 5.631.000 -737.7%
2011 37.640.000 85.04%
2012 33.042.000 -13.92%
2013 49.030.000 32.61%
2014 -49.993.000 198.07%
2015 -234.880.000 78.72%
2016 -217.954.000 -7.77%
2017 -34.068.000 -539.76%
2018 -174.156.000 80.44%
2019 -493.083.000 64.68%
2020 -512.178.000 3.73%
2021 83.892.000 710.52%
2022 120.982.000 30.66%
2023 186.718.000 35.21%
2023 743.000 -25030.28%
2024 16.896.000 95.6%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
2003 431.000
2004 1.402.000 69.26%
2005 1.714.000 18.2%
2006 1.549.000 -10.65%
2007 1.854.000 16.45%
2008 4.104.000 54.82%
2009 2.496.000 -64.42%
2010 3.622.000 31.09%
2011 2.106.000 -71.98%
2012 5.098.000 58.69%
2013 9.098.000 43.97%
2014 6.611.000 -37.62%
2015 8.999.000 26.54%
2016 8.024.000 -12.15%
2017 515.000 -1458.06%
2018 2.379.000 78.35%
2019 2.012.000 -18.24%
2020 3.738.000 46.17%
2021 1.549.000 -141.32%
2022 5.134.000 69.83%
2023 12.689.000 59.54%
2023 0 0%
2024 1.639.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Bancorp, Inc. Equity
Year Equity Growth
2001 14.239.000
2002 16.969.000 16.09%
2003 21.673.000 21.7%
2004 121.402.000 82.15%
2005 134.947.000 10.04%
2006 148.908.000 9.38%
2007 176.259.000 15.52%
2008 180.403.000 2.3%
2009 181.279.000 0.48%
2010 198.906.000 8.86%
2011 271.479.000 26.73%
2012 336.677.000 19.37%
2013 358.543.000 6.1%
2014 356.031.000 -0.71%
2015 320.955.000 -10.93%
2016 298.692.000 -7.45%
2017 324.150.000 7.85%
2018 406.776.000 20.31%
2019 484.497.000 16.04%
2020 581.164.000 16.63%
2021 652.454.000 10.93%
2022 694.031.000 5.99%
2023 773.688.000 10.3%
2023 807.281.000 4.16%
2024 776.991.000 -3.9%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Bancorp, Inc. Assets
Year Assets Growth
2001 155.006.000
2002 23.342.000 -564.06%
2003 304.161.000 92.33%
2004 576.279.000 47.22%
2005 917.471.000 37.19%
2006 1.334.838.000 31.27%
2007 1.568.382.000 14.89%
2008 1.792.375.000 12.5%
2009 1.731.578.000 -3.51%
2010 2.393.944.000 27.67%
2011 3.010.681.000 20.48%
2012 3.699.659.000 18.62%
2013 4.703.334.000 21.34%
2014 5.017.989.000 6.27%
2015 4.767.687.000 -5.25%
2016 4.840.882.000 1.51%
2017 4.708.147.000 -2.82%
2018 4.454.561.000 -5.69%
2019 5.658.570.000 21.28%
2020 6.277.433.000 9.86%
2021 6.843.239.000 8.27%
2022 7.903.000.000 13.41%
2023 7.465.767.000 -5.86%
2023 7.712.006.000 3.19%
2024 8.145.401.000 5.32%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Bancorp, Inc. Liabilities
Year Liabilities Growth
2001 0
2002 0 0%
2003 282.488.000 100%
2004 454.877.000 37.9%
2005 40.778.000 -1015.5%
2006 106.476.000 61.7%
2007 1.392.123.000 92.35%
2008 1.611.972.000 13.64%
2009 1.550.299.000 -3.98%
2010 2.195.038.000 29.37%
2011 2.739.202.000 19.87%
2012 3.362.982.000 18.55%
2013 4.344.791.000 22.6%
2014 13.401.000 -32321.39%
2015 13.401.000 0%
2016 276.500.000 95.15%
2017 55.724.000 -396.2%
2018 4.047.785.000 98.62%
2019 54.392.000 -7341.88%
2020 151.992.000 64.21%
2021 151.604.000 -0.26%
2022 7.208.969.000 97.9%
2023 119.033.000 -5956.28%
2023 6.904.725.000 98.28%
2024 7.368.410.000 6.29%

The Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
11.15
Net Income per Share
4.01
Price to Earning Ratio
13.37x
Price To Sales Ratio
4.62x
POCF Ratio
13.23
PFCF Ratio
13.13
Price to Book Ratio
3.51
EV to Sales
4.17
EV Over EBITDA
35.93
EV to Operating CashFlow
11.47
EV to FreeCashFlow
11.84
Earnings Yield
0.07
FreeCashFlow Yield
0.08
Market Cap
2,62 Bil.
Enterprise Value
2,37 Bil.
Graham Number
37.1
Graham NetNet
-95.2

Income Statement Metrics

Net Income per Share
4.01
Income Quality
1.01
ROE
0.26
Return On Assets
0.03
Return On Capital Employed
0.3
Net Income per EBT
0.75
EBT Per Ebit
0.86
Ebit per Revenue
0.56
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.19
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.85
Operating Profit Margin
0.56
Pretax Profit Margin
0.48
Net Profit Margin
0.36

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
4.05
Free CashFlow per Share
3.92
Capex to Operating CashFlow
0.03
Capex to Revenue
0.01
Capex to Depreciation
1.6
Return on Invested Capital
0.26
Return on Tangible Assets
0.03
Days Sales Outstanding
477.41
Days Payables Outstanding
0
Days of Inventory on Hand
-212.72
Receivables Turnover
0.76
Payables Turnover
0
Inventory Turnover
-1.72
Capex per Share
0.13

Balance Sheet

Cash per Share
39,00
Book Value per Share
15,25
Tangible Book Value per Share
15.23
Shareholders Equity per Share
15.25
Interest Debt per Share
5.49
Debt to Equity
0.19
Debt to Assets
0.02
Net Debt to EBITDA
-3.92
Current Ratio
0.07
Tangible Asset Value
0,78 Bil.
Net Current Asset Value
-6,86 Bil.
Invested Capital
-6558726000
Working Capital
-6,59 Bil.
Intangibles to Total Assets
0
Average Receivables
0,74 Bil.
Average Payables
0,00 Bil.
Average Inventory
-48213500
Debt to Market Cap
0.06

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Bancorp, Inc. Dividends
Year Dividends Growth

The Bancorp, Inc. Profile

About The Bancorp, Inc.

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking, savings, money market, and commercial accounts; and prepaid and debit cards. It also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; institutional banking services; vehicle fleet, other equipment leasing, and commercial fleet leasing services consist of commercial vehicles, including trucks and special purpose vehicles, and equipment; and real estate bridge lending, as well as small business administration, commercial mortgage-backed, and commercial real estate loans. The company offers private label banking; credit and debit card payment processing services for independent service organizations; and internet banking services. The Bancorp, Inc. was incorporated in 1999 and is headquartered in Wilmington, Delaware.

CEO
Mr. Damian M. Kozlowski
Employee
757
Address
409 Silverside Road
Wilmington, 19809

The Bancorp, Inc. Executives & BODs

The Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Paul Frenkiel CPA
Executive Vice President of Strategy, Secretary, Chief Financial Officer & Principal Accounting Officer
70
2 Mr. Thomas G. Pareigat
Executive Vice President & General Counsel
70
3 Ms. Rachel Weiss
Vice President of Communications Manager
70
4 Dr. John N. Leto
Executive Vice President & Head of Institutional Banking
70
5 Mr. Ryan Harris
Executive Vice President & Head of Fintech Solutions
70
6 Mr. Olek DeRowe
Executive Vice President & Head of Commercial Real Estate
70
7 Mr. Gregor J. Garry
Executive Vice President & Chief Operating Officer
70
8 Mr. Matthew J. Wallace
Executive Vice President & Chief Information Officer
70
9 Mr. Damian M. Kozlowski
Chief Executive Officer, President & Director
70
10 Mr. Andres Viroslav
Director of Investor Relations
70

The Bancorp, Inc. Competitors