The Bancorp offers strong financial quality — 30% return on equity, 43% net margins, and a Piotroski health score of 8 out of 9 — at an attractive forward price-to-earnings of 6.9x, but a high put-to-call ratio of 2.38, three consecutive earnings misses, and a concentration of 91% of deposits from fintech solutions clients represent meaningful near-term risks.
Thesis pillars
- Fintech Deposit Concentration↓Deteriorating
- High Roe Quality Profile→Stable
- Attractive Valuation Discount↑Improving
- +1 more pillar — see the Why tab for full reasoning
The Bancorp, Inc. (TBBK) Stock Analysis
Oversold Bounce setup
Financial Services · Banks - Regional
Sell if holding. Momentum 2.2/10 is below the 5.0 floor at $50.63 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Regulatory: OCC.
The Bancorp is a Delaware fintech-focused bank holding company operating through The Bancorp Bank, N.A. (OCC-regulated) in Sioux Falls, South Dakota, partnering with fintech companies to issue prepaid/debit cards, process payments, and originate sponsored loans. The bank earned... Read more
Sell if holding. Momentum 2.2/10 is below the 5.0 floor at $50.63 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Regulatory: OCC. Chart setup: Oversold RSI 17, near Bollinger lower, volume surge. Score 5.7/10, moderate confidence.
Passes 7/8 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 46d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: aggressive.
About The Bancorp, Inc.
About The Bancorp, Inc.
The Bancorp Bank, N.A., the wholly-owned banking subsidiary of The Bancorp, Inc., held $9.35 billion in total assets at December 31, 2025, with 91% of deposits sourced from its Fintech Solutions partners — primarily millions of small prepaid and debit card account balances held under program sponsorship arrangements. Supervised by the OCC as primary federal regulator and the FDIC as deposit insurer, the bank operates two revenue-generating divisions: Fintech Solutions and Credit Solutions, with 733 full-time employees.
Fintech Solutions generates the majority of fee income, totaling $141.1 million in 2025 — a 21% increase from $116.8 million in 2024 — through prepaid and debit card program sponsorship ($103.5 million), ACH and payment processing ($21.0 million), and sponsored lending ($16.6 million). Gross dollar volume on prepaid and debit cards reached $178.21 billion in 2025, up 17% from $152.64 billion in 2024, with the fintech loan portfolio growing 142% to $1.10 billion (15% of total loans). Credit Solutions provides balance sheet diversification through real estate bridge lending ($2.26 billion, 31% of total loans), institutional banking including SBLOCs and IBLOCs ($1.96 billion, 27%), small business lending ($1.01 billion, 14%), and fleet leasing ($685.4 million, 9%). Competitors in prepaid and debit card banking include Pathward Financial and Coastal Community Bank.
Show full overview
Funding stability at The Bancorp is tightly linked to its fintech partner network, with 91% of deposits sourced from those relationships. A critical regulatory boundary sits at $10 billion in total assets: at $9.35 billion at December 31, 2025, the company manages its balance sheet to remain below this threshold and retain its small-issuer Durbin Amendment exemption. If total assets exceed $10 billion at calendar year-end, the company would face reduced interchange fee caps, CFPB direct examination authority, and the loss of fee-sharing provisions in certain prepaid card partner agreements that include termination rights upon crossing the threshold.
See also: Financial Services · Banks - Regional
From The Bancorp, Inc.'s most recent 10-K filing, extracted June 11, 2026.
Recent developments
updated 2026-09-14Recent Developments — The Bancorp, Inc.
Latest news
- NEWS The Bancorp (TBBK) Reports Earnings Tomorrow: What To Expect - TradingView — TradingView neutral
- NEWS The Bancorp (TBBK) Reports Earnings Tomorrow: What To Expect - tradingview.com — tradingview.com neutral
- NEWS TBBK (The Bancorp Inc) Q4 2025 earnings miss estimates, shares gain on 31.6 percent year over year revenue growth. - Ear — Cổng thông tin điện tử tỉnh Lào Cai negative
- NEWS The Bancorp (TBBK) To Report Earnings Tomorrow: Here Is What To Expect - StockStory — StockStory neutral
- NEWS Bancorp (TBBK) Q4 2025 Earnings Transcript - The Motley Fool — The Motley Fool neutral
Generated 2026-09-14T05:29:00Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfolioFintech Solutions deposits91%10-K Item 1: '91% of our total deposits were sourced from Fintech Solutions business, primarily from Program sponsorship.'
- MEDIUMloan_portfolioreal estate bridge lending31%10-K Item 1: 'Real estate bridge lending ("REBL") is $2.26 billion of loans, or 31% of our total loan portfolio'
- HIGHregulatoryOCC10-K Item 1: 'supervised and examined by the Office of the Comptroller of the Currency ("OCC") as its primary regulator'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
3 floor-breakers·1 ceiling hit
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Momentum 2.2/10 is below the 5.0 floor at $50.63 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Regulatory: OCC. Chart setup: Oversold RSI 17, near Bollinger lower, volume surge. Prior stop was $47.09. Score 5.7/10, moderate confidence.
Take-profit target: $71.68 (+41.6% upside). Prior stop was $47.09. Stop-loss: $47.09.
Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Regulatory: OCC; Consecutive earnings misses (2).
The Bancorp, Inc. trades at a P/E of 9.5 (forward 6.3). TrendMatrix value score: 9.1/10. Verdict: Sell.
9 analysts cover TBBK with a consensus score of 4.2/5. Average price target: $84.
What does The Bancorp, Inc. do?The Bancorp is a Delaware fintech-focused bank holding company operating through The Bancorp Bank, N.A. (OCC-regulated)...
The Bancorp is a Delaware fintech-focused bank holding company operating through The Bancorp Bank, N.A. (OCC-regulated) in Sioux Falls, South Dakota, partnering with fintech companies to issue prepaid/debit cards, process payments, and originate sponsored loans. The bank earned $141.1 million in total fintech fee income in 2025 with $9.35 billion in total assets, with 91% of deposits sourced from fintech partner relationships.