The Bancorp, Inc. (TBBK) Stock Analysis
Recovery setup
Financial Services · Banks - Regional
Sell if holding. Engine safety override at $56.35: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.6/10. Specifically: High short interest: 13%; Elevated put/call ratio: 2.12; Below long-term trend.
The Bancorp is a fintech-focused national bank (OCC-regulated) that partners with fintech companies to provide prepaid/debit cards, payment processing, and sponsored lending, with $9.35B total assets as of Dec 31, 2025. Fintech Solutions generates 91% of deposits, deployed into... Read more
Sell if holding. Engine safety override at $56.35: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.6/10. Specifically: High short interest: 13%; Elevated put/call ratio: 2.12; Below long-term trend. Chart setup: Death cross but MACD improving, RSI 52. Score 5.6/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 38d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-06-15Recent Developments — The Bancorp, Inc.
Latest news
- 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
- NEWS Bancorp (TBBK) Q4 2025 Earnings Transcript - AOL.com — AOL.com neutral
- NEWS Compared to Estimates, The Bancorp (TBBK) Q1 Earnings: A Look at Key Metrics - Yahoo Finance — Yahoo Finance neutral
Generated 2026-06-15T18:11:47Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfolioFintech Solutions deposits91%10-K Item 1: 'As of December 31, 2025, 91% of our total deposits were sourced from Fintech Solutions business, primarily from Program sponsorship.'
- HIGHloan_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'
- MEDIUMregulatoryOCC10-K Item 1: 'The Bancorp Bank, National Association...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
No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static
Risk profile below the gate floor. Component breakdown shows what dragged the score down.static
Technicals 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. Engine safety override at $56.35: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 5.6/10. Specifically: High short interest: 13%; Elevated put/call ratio: 2.12; Below long-term trend. Chart setup: Death cross but MACD improving, RSI 52. Prior stop was $53.19. Score 5.6/10, moderate confidence.
Take-profit target: $61.77 (+9.6% upside). Prior stop was $53.19. Stop-loss: $53.19.
Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Loan Portfolio: real estate bridge lending (31.0%); Risk below floor (2.9 < 3.0).
The Bancorp, Inc. trades at a P/E of 11.2 (forward 7.1). TrendMatrix value score: 8.3/10. Verdict: Sell.
9 analysts cover TBBK with a consensus score of 4.1/5. Average price target: $73.
What does The Bancorp, Inc. do?The Bancorp is a fintech-focused national bank (OCC-regulated) that partners with fintech companies to provide...
The Bancorp is a fintech-focused national bank (OCC-regulated) that partners with fintech companies to provide prepaid/debit cards, payment processing, and sponsored lending, with $9.35B total assets as of Dec 31, 2025. Fintech Solutions generates 91% of deposits, deployed into specialty lending (REBL 31%, institutional banking 27%, fintech loans 15% of loan portfolio). Total fintech fee income was $141.1M in 2025.