The Bancorp, Inc. (TBBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$66.87-1.28%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | 9.0% |
| Our one-year growth estimate | diamond | 26.9% |
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 2026-09-04.
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 17.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
TBBK — restructuring
Dated 2026-09-04
Costs Associated with Exit or Disposal Activities. On September 1, 2026, The Bancorp Bank, N.A. (the “Bank”), a wholly owned subsidiary of The Bancorp, Inc. (the “Company”), implemented an organizational restructuring to further align its resources and business with the Company’s strategic priorities (the “Restructuring”). As part of the Restructuring, the Bank intends to discontinue the origination of retail and wholesale Small Business Lending (“SBL”) loans by the end of 2026, and focus on…
Why it matters: A drop in revenue growth below its median could signal a sector-wide headwind affecting The Bancorp.
Worry ifRevenue growth reported below the median of 13% in the next quarterly report.
Less concerning ifRevenue growth remains above the median of 13%.
Why it matters: Higher non-interest income shows good fee generation. This helps overall revenue growth.
Supportive ifNon-interest income was over $73 million in the next quarter.
Worry ifNon-interest income falls below $73 million in the next quarter.
Why it matters: Meeting this EPS target is crucial for achieving the $7 annual run-rate by Q4 2026.
Supportive ifQ2 2026 EPS reported at or above $1.75 per share.
Worry ifQ2 2026 EPS reported below $1.75 per share.
Why it matters: Consistent share repurchases show commitment to returning capital. It can support share price.
Supportive ifManagement announces an extra $50 million in share buybacks for Q3.
Worry ifManagement cuts share repurchase plan below $50 million in Q3.
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 | ±$121 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $414 loss on $10,000 · 4.1% | 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.
Why it matters: Share buybacks mean management wants to give money back to shareholders.
Supportive ifShare repurchases reported at $50 million or more in Q2 2026.
Worry ifShare buybacks were less than $50 million in Q2 2026.
Why it matters: Maintaining the $8.25 EPS guidance is crucial for investor confidence and growth outlook.
Supportive ifManagement confirms the $8.25 EPS guidance in the next earnings call.
Worry ifManagement lowers the EPS guidance to below $8.00.
Why it matters: A steady net interest margin is key for keeping profits as loans grow.
Supportive ifNet interest margin reported above 3.87% in Q2 2026.
Worry ifNet interest margin reported below 3.87% in Q2 2026.
Why it matters: Confirming EPS guidance shows strong growth. This helps build investor confidence.
Supportive ifManagement confirms EPS guidance for Q3 within the range of $5.95-$6.05.
Worry ifManagement lowers EPS guidance to below $5.95 for Q3.
Why it matters: Stability or decline in fintech loans could signal issues in growth strategy.
Worry ifFintech loans remain stable or grow beyond $901.5 million in Q3.
Less concerning ifFintech loans decline below $901.5 million in Q3.
Why it matters: More charge-offs may show credit quality problems and hurt earnings.
Worry ifNet charge-offs remain below $25.7 million in Q3.
Less concerning ifNet charge-offs exceed $25.7 million in Q3.
Why it matters: Higher costs may hurt profits and how investors feel.
Worry ifRestructuring costs are at or below $5.6 million.
Less concerning ifRestructuring costs are above $5.6 million.