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
QuarterlyIQ Insights · TBBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -14.3% |
| Our one-year growth estimate | diamond | 22.0% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 36.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
TBBK — earnings miss
Dated 2026-10-29
Results of Operations and Financial Condition On October 29, 2026 , The Bancorp, Inc. (the “Company”) issued a press release regarding its earnings for the three and nine months ended September 30, 2026 . A copy of this press release is furnished with this report as Exhibit 99.1.
Why it matters: Management gave a Q4 EPS range of $1.65–$1.75 earlier this year. Q4 results test that target and the full-year outlook.
Watch forQ4 Core EPS is at least $1.65, meeting the bottom of the earlier $1.65–$1.75 range.
Also watch forQ4 Core EPS is below $1.65, missing the bottom of that range.
Why it matters: Fintech fees are a stated growth focus. Fees rose from $35.1 million a year ago to $41.8 million in Q3.
Supportive ifQuarterly fintech fees rise above $41.8 million and remain higher year over year.
Worry ifQuarterly fintech fees fall below $41.8 million or decline year over year.
Why it matters: Net interest margin fell from 4.45% a year ago to 3.75% in Q3. Another decline would add pressure to bank income.
Worry ifThe next reported net interest margin is below 3.75%.
Less concerning ifThe next reported net interest margin is at or above 3.75%.
Why it matters: Card spending volume rose 23.4% from a year ago in Q3. A sharp drop would weaken a key sign of fintech activity.
Worry ifQ4 card GDV is below $54.3 billion, the Q3 2026 level.
Less concerning ifQ4 card GDV stays above $54.3 billion and grows year over year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$112 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $402 loss on $10,000 · 4.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,592 loss on $10,000 · 35.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.