Stocktoria

Bancorp, Inc. TBBK

Nasdaq · stock · National Commercial Banks · website · IPO 2004-02-02

Bancorp, Inc. statistics & valuation

Market cap$2.6B
P / E11.4×
P / S18.4×
P / B3.8×
P / FCF10.1×
Net margin161.7%
Return on equity33.1%
FCF margin182.7%
Graham number -41.6%$40.56

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($40.56); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
549.90% 1127.80% 1470.30% 151.10% 193.80% 186.30% 161.70% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
-32.30% 6.70% 21.80% 10.60% 13.80% 17.00% 18.80% 23.80% 27.50% 33.10% 2016201720182019202020212022202320242025
Shares outstanding
44.6M 56.2M 57.1M 57.3M 58.4M 58.8M 57.3M 55.1M 50.7M 46.4M 2016201720182019202020212022202320242025
Net debt ($)
-$736.0M -$866.6M -$512.6M -$903.5M -$305.2M -$562.3M -$878.2M -$999.5M -$556.0M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
-2.00% 0.50% 2.00% 0.90% 1.30% 1.60% 1.60% 2.50% 2.50% 2.40% 2016201720182019202020212022202320242025
Free cash flow margin (%)
691.90% 1646.90% 1094.10% 132.90% 175.50% 175.50% 182.70% 2016201720182019202020212022202320242025
Debt / equity (×)
0.88× 0.13× 0.10× 0.08× 0.07× 0.06× 0.01× 0.05× 0.02× 2016201720182019202020212022202320242025
EPS ($)
-$2.17 $0.39 $1.55 $0.90 $1.37 $1.88 $2.27 $3.49 $4.29 $4.92 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Bancorp, Inc. trades at about 14.1× earnings — near its 10-year norm (10-year range 5.5×–27.1×, median 13.1×).

5.5× 27.1×

Shaded band = 10-year range (5.5×–27.1×); dot = today's 14.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin161.7%186.3%193.8%151.1%1470.3%1127.8%549.9%———
FCF margin182.7%175.5%175.5%132.9%1094.1%1646.9%691.9%———
Return on assets2.4%2.5%2.5%1.6%1.6%1.3%0.9%2.0%0.5%-2.0%
Return on equity33.1%27.5%23.8%18.8%17.0%13.8%10.6%21.8%6.7%-32.3%
Debt / equity—0.02×0.05×0.01×0.06×0.07×0.08×0.10×0.13×0.88×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.