The Bancorp, Inc. (TBBK)

合理估值

Financial ServicesBanks - RegionalUnited States

基本面

价格

$48.15

市值

$1.96B

Yahoo Finance TradingView 新闻官网

第一部分 · 这家公司值多少

概览

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; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card 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; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

No editorial profile for this company yet

No competitor list for this company yet.

资产负债表与流动性

营收

$672M

最近12个月（截至2026/6/30）

净利润

$232M

最近12个月（截至2026/6/30）

自由现金流

$258M

股东权益合计

$690M

负债合计

$8.66B

流动比率

利息覆盖率

0.84

债务/EBITDA

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$59.41

当前价格

$48.15

安全边际

+19.0%

公允价值区间

$43.72 - $75.09

所用估值方法之间的离散区间，并非经过统计校准的置信区间。

估算方法

分析师目标价:$80.67

现金流折现法（DCF）:不适用于此类公司

市盈率法（P/E）:$36.62

格雷厄姆成长公式:不适用于此类公司

盈利能力价值（EPV）:不适用于此类公司

合理市净率（P/B）:$55.77

股息折现模型（戈登模型）:数据不足，无法计算

P/FFO（运营资金）:不适用于此类公司

周期中段收益:不适用于此类公司

市销率法（P/S）:不适用于此类公司

分析师共识:强力买入 (8B / 1H / 0S)

最近财报超预期:+4.27%

估值指标

市盈率（P/E）

9.05

ROE

33.1%

市净率（P/B）

2.78

P/FCF

8.42

毛利率

ROIC

盈利能力雷达图

价值创造（经济护城河）

ROIC

WACC

12.4%

ROIC − WACC

基本面分析标准

通过（17）

EPS shows upward trend
EPS CAGR 41.07%
Price CAGR 20.22%
P/FCF 8.42
P/B Ratio 2.78
Operating Margin 45.8%
Positive Free Cash Flow
CapEx intensity
Return on Tangible Assets
Low reliance on intangibles
ROE 32.3%
Revenue Growth 5Y 20.4%
Analyst Consensus 89% Buy
PEG Ratio 0.29
Earnings Quality (OCF/NI) 1.03
Share Dilution -8.5%
Piotroski F-Score 5/9

未通过（6）

Debt/Equity ratio
Interest Coverage
Price below Graham Number
DCF valuation (Fairly valued)
Earnings Surprise avg -4.8%
Net Margin Trend 34.5% vs 35.0%

不可用（5）

ROIC NaN%
Gross Margin NaN%
Dividend Payout NaN%
Current Ratio
Debt/EBITDA

Piotroski F-评分

5/9

信号混杂：部分领域需关注

score

criteria

盈利质量

1.03

高质量：盈利有现金流支撑

股权稀释

-8.5%

正在回购股份，对股东友好

机构持股

公司治理

管理团队

姓名	职位	年龄
Mr. Damian M. Kozlowski	CEO, President & Director	60
Mr. Dominic C. Canuso C.F.A.	Executive VP & CFO	50
Mr. Gregor J. Garry	Executive VP & COO	41
Mr. Martin F. Egan	MD & Chief Accounting Officer	57
Mr. Mark Leo Connolly	Executive VP, Head of Credit Solutions & Chief Credit Officer	57
Mr. Ryan Harris	Executive VP & Head of Fintech Solutions	47
Mr. Andres Viroslav	Director of Investor Relations	-
Ms. Erika R. Caesar	Executive VP, General Counsel & Corporate Secretary	41
Ms. Maria Wainwright	Executive VP & Chief Marketing Officer	47
Ms. Jennifer F. Terry	Executive VP & Chief Human Resources Officer	52

审计风险

董事会风险

薪酬风险

股东权利风险

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有：它帮助你在基本面说服你之后，选择何时买入。包含：技术分析、潜力、历史回撤、Gamma 敞口。

文件

年度报告（10-K）
对公司业务、财务业绩和风险的年度概述。
提交日期：2026-02-25
查看文件
季度报告（10-Q）
最近三个月财务表现的最新情况。
提交日期：2026-08-06
查看文件
临时报告（8-K）
关于重大事件（如管理层变动或重要公告）的通知。
提交日期：2026-09-04
查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

Recent headlines for TBBK, sourced from Markets Gazette.

3/3/2026POSITIVE
Is Bancorp Stock a Buy as One Investor Adds $3 Million to Position?
A recent market development reveals a significant investor has increased their stake in The Bancorp, a fintech-focused lender, by an additional $3 million. This move suggests strong confidence in the company's future prospects, known for delivering specialized banking and payment solutions to business and institutional clients nationwide. Such a substantial capital injection from a single investor can be interpreted as a bullish signal, indicating expectations of growth or an undervaluation of the stock. Investors should closely monitor The Bancorp, as institutional interest often precedes significant price movements, particularly within the dynamic fintech sector.

via Markets Gazette