TBBK · Bancorp, Inc.
$67.91
-0.41 (-0.60%)
At close · Aug 19
Market Cap
$2.78B
Shares
40.79M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$67.91
Open$68.66
Day$67.31–69.61
52W close$51.48–80.34
Avg vol 30d420K
Short int3.1M · 7.7% float · 6.7d
Short vol76%
Last earningsJul 31, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Nov 3, 2026
Est · unconfirmed
· in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+10%
above
Price vs 50-day avg
+5%
above
RSI (14)
51
neutral
MACD trend
Negative
52-week position
57%
mid-range
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+19%
trailing
YTD return
+1%
this year
Relative strength
+7%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $65 › 200d $62 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +43 funds added
Insider flow
Distributing
Net -$220.2K over 90 days · 100% sells
Short interest
Falling
7.66% of float · ▼ -1.5% MoM · 6.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
288 holders — mid 3-yr range
Squeeze score
68
elevated · 0–100
Fundamentals
Revenue growth
+21%
Y/Y
EPS growth
+15%
Y/Y
Free cash flow
$257.9M
Valuation
P/E 12.8
in line
Buyback
$200.0M
authorized
Balance sheet
$100.5M
net debt
Quant / Vol
risk profile
Volatility
43%
annualized · 1-yr
Max drawdown
−36%
past year
ATR
3.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 30, 2026
full-year 2026
Full-year 2026 EPS guidance
Initiated
$5.95 – $6.05
prior FY $4.92
midpoint +22.0% Y/Y
fourth quarter
Fourth quarter EPS guidance
$1.65 – $1.75
prior qtr $1.45
midpoint +17.2% QoQ
2027
2027 EPS guidance
$8.10 – $8.30
prior FY $4.92
midpoint +66.7% Y/Y
Prior guidance
period ended
· from the 8-K filed Oct 30, 2025
Earnings per share
· 2025
$5.10
Guided vs delivered
· last 2 settled
Earnings per share
2025
guided $5.10
$4.92
Miss −3.5%
Earnings per share
2024
guided $4.25
$4.29
Beat +0.9%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+10%
Bullish
Price vs 50-day avg
+5%
Bullish
RSI (14)
51
Neutral
MACD trend
Negative
Bearish
52-week position
57%
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $65 › 200d $62 — 50d above 200d
Institutional flow
Accumulating
+3% holders QoQ · +43 funds added
Insider flow
Distributing
Net -$220.2K over 90 days · 100% sells
Short interest
Falling
7.66% of float · ▼ -1.5% MoM · 6.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
288 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $51
Now $68 · 57%
Range high $80
vs 200-day avg +10%
vs 50-day avg +5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses, fintech loans | $30.7M | 2Q 2026 | — |
| Average assets | $9.7B | 2Q 2026 | — |
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| Average deposits | $8.41B | 2Q 2026 | — |
| Average Fintech loans | $1.39B | 2Q 2026 | — |
| Average loan portfolio | $7.63B | 2Q 2026 | — |
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| Book value per share (as of period end) | $17.19 | 2Q 2026 | — |
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| Efficiency ratio non-GAAP | 41.3% | Six months ended June 30, 2026 | — |
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| Ending Fintech loans | $901.5M | 2Q 2026 | — |
| Ending total criticized loans | $146.7M | 2Q 2026 | — |
| Fintech coverage ratio (allowance for credit losses on fintech loans as % of fintech loans) | 3.41% | 2Q 2026 | — |
| Fintech fees as a percentage of total revenue non-GAAP | 24.3% | Six months ended June 30, 2026 | — |
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| Fintech fees as a percentage of total revenue (excluding credit enhancement income) non-GAAP | 29.2% | Six months ended June 30, 2026 | — |
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| FTS expense | $47.46M | Six Months Ended Jun 30, 2026 | — |
| FTS expense / $ GDV (per thousand) | $0.45 | Six Months Ended Jun 30, 2026 | — |
| FTS expense growth | 4.35% | the year ended December 31, 2025 | — |
| FTS fee revenue | $135.8M | Six Months Ended Jun 30, 2026 | — |
| FTS fee revenue growth | 14.95% | the year ended December 31, 2025 | — |
| FTS fee revenue, adjusted non-GAAP | $81.19M | Six Months Ended Jun 30, 2026 | — |
| Net interest margin non-GAAP | 3.86% | Six months ended June 30, 2026 | — |
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| Non-interest income as a percentage of total revenue | 44.7% | 2Q 2026 | — |
| Non-interest income as a percentage of total revenue (excluding credit enhancement income) non-GAAP | 34.3% | 2Q 2026 | — |
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| Non-interest income, excluding credit enhancement non-GAAP | $90.96M | Six months ended June 30, 2026 | — |
| Nonperforming loans to total loans | 1.05% | June 30, 2026 | — |
| Operating leverage | 10.59% | the year ended December 31, 2025 | — |
| Outstanding shares | 41.04M | 2Q 2026 | — |
| Prepaid, debit and credit card gross dollar volume (GDV) | $105,965,729 | Six Months Ended Jun 30, 2026 | — |
| Return on assets | 2.51% | 2Q 2026 | — |
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| Tier 1 Capital to average assets (Leverage), The Bancorp Bank, N.A. | 9.09% | 2Q 2026 | — |
| Total Capital to Risk-Weighted Assets, The Bancorp Bank, N.A. | 15.32% | 2Q 2026 | — |
| Total net charge-offs to average loans (annualized) | 1.35% | 2Q 2026 | — |
| Total revenue, excluding credit enhancement non-GAAP | $270.24M | Six months ended June 30, 2026 | — |
| Return on equity | 35.1% | 1Q 2026 | — |
| Total prepaid, debit card, ACH, and other payment fees | $32.5M | 1Q 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TBBK
this stock
Bancorp, Inc.
|
$2.78B | +0.6% | +20.8% | 12.8 | 7.7% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TBBK | -2.3% | +2.2% | +18.8% | +1.3% | +0.6% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.9% | -0.8% | +7.2% | -1.7% | -12.2% |
Capital returns
Buyback program
· as of Jan 29, 2026
Authorized
$200.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1295401
CUSIP
05969A105
13F (30d)
263 filings
259 filers
Visit website
Investor relations