Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
The Bancorp, Inc. (TBBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$47.74+0.84%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
8.00 → 7.37 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 6, 2026 to Nov 5, 2026: (new ÷ prior − 1). Contributor count changed from 2 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for TBBK yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Achieve $1.75 EPS in Q4 2026 (annualized $7 EPS run-rate) | A primary condition in The Bancorp, Inc.'s published investment case. The stated target is >=1.75 USD per share. | Improving | EPS in Q4 2026 falls below $1.5 per share | Diluted EPS: $1.53 per share FY2026-Q3; GAAP. Published target: >=1.75 USD per share. The stored target says 2026-Q4; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Nov 5, 20261.53 USD/share · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a financial business with a recurring-growth angle from fintech fees, alongside capital returns and cost restructuring. The long-term thesis is still intact, but recent momentum has weakened after an earnings miss and the overall risk level is elevated.
The valuation is described as cheap, even though TBBK carries a durable premium versus peers. The expectations gap is negative, but confidence in that estimate is low; the evidence also says no fragility signals fired and the priced-in tag is justified.
Near term, the latest earnings miss and consecutive misses create a risk that estimates are revised lower, while recent company momentum has fallen sharply. Over the multi-year view, fintech fees are growing and management has announced expected annualized savings, but higher core expenses so far show that cost progress is not yet clear.
A further guidance cut would be a meaningful negative, and rate cuts from the current level could weigh on TBBK and other financial companies. The favorable case depends partly on fintech fee growth continuing and restructuring savings appearing in results; sector strength would also help if major financial peers keep reporting strong earnings and outlooks.
For the next 1 to 3 years, the thesis rests on continued fintech growth and proof of efficiency gains, against near-term earnings and rate risks. The thesis remains intact, but recent results have made execution more important. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Maintain EPS guidance of $8.2 for full year 2027 |
| The company beat Q1 2026 EPS by 5.2% despite cutting guidance. |
| Intact |
| Full year 2027 EPS falls below $7.5 per share |
Diluted EPS: $1.53 per share FY2026-Q3; GAAP. Published target: ~8.2 USD per share. Target period is not explicitly aligned with this observation. Nov 5, 20261.53 USD/share · source valueLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stabilize and grow revenue after expected decline | A supporting condition in The Bancorp, Inc.'s published investment case. The stated target is Revenue decline less than -5% YoY or positive growth. | Intact | Revenue decline exceeds -10% YoY in FY26 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$8.07 → $7.37 · observed estimates
$0.36B → $0.67B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $8.07 | $362,040,670 | 3 / 3 |
| 2026-07-25 | $8.07 | $362,040,670 | 3 / 3 |
| 2026-07-26 | $8.07 | $362,040,670 | 3 / 3 |
| 2026-07-27 | $8.07 | $800,372,500 | 2 / 2 |
| 2026-07-28 | $8.07 | $362,040,670 | 3 / 3 |
| 2026-07-29 | $8.07 | $800,372,500 | 2 / 2 |
| 2026-07-30 | $8.07 | $362,040,670 | 3 / 3 |
| 2026-07-31 | $8.07 | $800,372,500 | 2 / 2 |
| 2026-08-01 | $8.07 | $800,372,500 | 2 / 2 |
| 2026-08-02 | $8.07 | $358,607,330 | 3 / 3 |
| 2026-08-03 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-04 | $8.07 | $358,607,330 | 3 / 3 |
| 2026-08-05 | $8.10 | $361,161,670 | 3 / 3 |
| 2026-08-06 | $8.10 | $361,161,670 | 3 / 3 |
| 2026-08-08 | $8.10 | $361,161,670 | 3 / 3 |
| 2026-08-09 | $8.10 | $361,161,670 | 3 / 3 |
| 2026-08-10 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-12 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-13 | $8.10 | $361,161,670 | 3 / 3 |
| 2026-08-14 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-15 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-16 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-17 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-18 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-19 | $8.07 | $793,822,500 | 2 / 2 |
| 2026-08-20 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-21 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-22 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-23 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-24 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-25 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-26 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-27 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-28 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-29 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-30 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-08-31 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-01 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-02 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-03 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-04 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-05 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-06 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-07 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-08 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-09 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-10 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-11 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-12 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-13 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-14 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-15 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-16 | $8.10 | $726,942,500 | 2 / 2 |
| 2026-09-17 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-18 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-19 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-20 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-21 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-22 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-23 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-24 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-25 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-26 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-27 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-28 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-29 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-09-30 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-01 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-02 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-03 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-04 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-05 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-06 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-07 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-08 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-09 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-10 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-11 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-12 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-13 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-14 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-15 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-16 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-17 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-18 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-19 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-20 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-21 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-22 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-23 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-24 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-25 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-26 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-27 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-28 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-29 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-30 | $8.00 | $704,647,000 | 2 / 2 |
| 2026-10-31 | $7.37 | $665,647,000 | 2 / 2 |
| 2026-11-01 | $7.37 | $665,647,000 | 2 / 2 |
| 2026-11-02 | $7.37 | $665,647,000 | 2 / 2 |
| 2026-11-03 | $7.37 | $665,647,000 | 2 / 2 |
| 2026-11-04 | $7.37 | $665,647,000 | 2 / 2 |
| 2026-11-05 | $7.37 | $665,647,000 | 2 / 2 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell
Recent actions · Oct 7–Nov 5 · 0 recorded
1 raises · 0 cuts · 0 unchanged · 3 without a comparable prior
Oct 7, 2026–Nov 5, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.