The Bancorp Inc

The Bancorp Inc

TBBK · NASDAQ · Financial Services / Banks - Regional

48.62USD+0.22 (+0.45%)

Price History

Full chart

Market Stats

Previous Close48.40
Open48.56
Day Range47.52 – 48.79
52-Week Range48.41 – 81.65
Volume327.20K
Market Cap2.01B
P/E (TTM)9.51
Forward P/E14.60
EPS5.17
Dividend Yield0.00%
Beta1.18
50-Day Avg62.79
200-Day Avg60.86

About

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, money market, and commercial accounts. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; financing to investment advisors; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card loans, payroll advances, and others. In addition, it offers automated clearing house (ACH) bill, and other payment services; debit and prepaid card issuing services; card and bill payment; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Damian M. Kozlowski
  • Employees733
  • Headquarters409 Silverside Road, Wilmington, DE, United States, 19809, USA
  • Websitehttps://www.thebancorp.com

Leadership

  • Mr. Damian M. KozlowskiCEO, President & Director · b. 1965
  • Mr. Dominic C. Canuso C.F.A.Executive VP & CFO · b. 1975
  • Mr. Gregor J. GarryExecutive VP & COO · b. 1984
  • Mr. Martin F. EganMD & Chief Accounting Officer · b. 1968
  • Mr. Mark Leo ConnollyExecutive VP, Head of Credit Solutions & Chief Credit Officer · b. 1968
  • Mr. Ryan HarrisExecutive VP & Head of Fintech Solutions · b. 1978
  • Mr. Andres ViroslavDirector of Investor Relations
  • Ms. Erika R. CaesarExecutive VP, General Counsel & Corporate Secretary · b. 1984
  • Ms. Maria WainwrightExecutive VP & Chief Marketing Officer · b. 1978
  • Ms. Jennifer F. TerryExecutive VP & Chief Human Resources Officer · b. 1973

Financials

Income Statement

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.09M2.29M25.28M27.47M51.46M86.01M114.15M107.34M93.44M103.31M118.41M88.98M133.22M144.47M216.60M144.71M217.00M301.75M283.70M295.40M326.86M413.98M611.60M710.11M690.46M
Growth (%)-+109.88%+1002.18%+8.66%+87.30%+67.14%+32.72%-5.96%-12.95%+10.56%+14.62%-24.86%+49.72%+8.45%+49.92%-33.19%+49.96%+39.05%-5.98%+4.13%+10.65%+26.65%+47.74%+16.11%-2.77%
Cost of Revenue4.00M5.19M6.11M8.71M17.07M39.67M59.27M53.34M29.05M33.83M33.53M18.05M11.12M12.50M15.70M15.61M18.26M30.70M42.68M22.27M14.35M66.56M163.78M214.72M177.69M
Gross Profit1.09M2.29M19.18M18.76M34.38M46.34M54.88M54.00M64.39M69.48M84.88M70.93M122.10M143.27M200.90M129.09M198.75M271.06M241.01M273.13M312.51M347.42M447.82M495.38M512.77M
Gross Margin100.00%100.00%75.84%68.30%66.82%53.88%48.08%50.31%68.91%67.26%71.68%79.71%91.65%99.17%92.75%89.21%91.59%89.83%84.96%92.46%95.61%83.92%73.22%69.76%74.26%
Operating Expense1.15M-1.80M18.36M15.97M22.75M25.50M31.20M117.27M58.04M61.73M71.65M80.19M101.82M70.94M194.09M198.57M158.35M151.28M168.52M164.85M168.35M169.50M191.04M203.22M209.73M
Operating Income-52.00K4.10M821.00K2.80M11.63M20.83M23.68M-63.27M6.35M7.75M13.23M-9.26M20.28M72.33M6.81M-69.48M40.39M119.78M72.49M108.28M144.16M177.91M256.77M292.16M303.04M
Operating Margin-4.76%178.68%3.25%10.18%22.60%24.22%20.74%-58.94%6.80%7.51%11.17%-10.41%15.22%50.07%3.14%-48.02%18.61%39.69%25.55%36.66%44.11%42.98%41.98%41.14%43.89%
EBITDA-52.00K4.10M1.61M3.48M12.48M22.83M24.81M-59.80M10.23M11.83M17.25M-5.50M25.12M-12.74M-63.10M46.37M125.31M77.72M112.04M147.47M181.21M259.85M296.31M307.69M
EBITDA Margin-4.76%178.68%6.38%12.67%24.25%26.54%21.73%-55.70%10.95%11.45%14.57%-6.18%18.85%-5.88%-43.60%21.37%41.53%27.40%37.93%45.12%43.77%42.49%41.73%44.56%
Net Income-3.62M9.00K1.07M3.72M7.45M12.50M14.34M-42.38M4.10M5.22M8.92M-43.15M-14.42M57.11M13.43M-96.49M21.67M88.68M51.56M80.08M110.65M130.21M192.30M217.54M228.21M
Net Income Margin-331.02%0.39%4.24%13.53%14.47%14.53%12.56%-39.48%4.39%5.05%7.53%-48.50%-10.83%39.53%6.20%-66.68%9.99%29.39%18.17%27.11%33.85%31.45%31.44%30.63%33.05%
Interest Expense3.57M4.59M5.42M7.08M14.97M36.70M53.87M40.84M16.05M14.54M12.04M11.41M10.77M013.60M12.25M15.34M27.11M38.28M15.92M11.24M59.53M155.46M175.35M175.86M
Interest Expense % of Total Revenue326.26%200.09%21.45%25.76%29.10%42.67%47.19%38.05%17.18%14.07%10.16%12.82%8.08%0.00%6.28%8.47%7.07%8.98%13.49%5.39%3.44%14.38%25.42%24.69%25.47%

Balance Sheet

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets155.01M23.34M304.16M576.28M917.47M1.33B1.57B1.79B1.73B2.39B3.01B3.70B4.70B4.99B5.02B4.84B4.71B4.45B5.66B6.28B6.84B7.90B7.71B8.73B9.35B
Total Liabilities140.77M6.37M282.49M454.88M782.52M1.19B1.39B1.61B1.55B2.20B2.74B3.36B4.34B4.67B4.66B4.54B4.38B4.05B54.39M151.99M151.60M7.21B6.90B7.94B8.66B
Total Equity14.24M16.97M21.67M121.40M134.95M148.91M176.26M180.40M181.28M198.91M271.48M336.68M358.54M319.02M356.03M298.69M324.15M406.78M5.60B6.13B6.69B694.03M807.28M789.78M689.80M
Cash5.87M-12.68M11.21M27.66M15.07M41.38M91.78M84.10M472.32M749.17M968.09M1.23B1.07B1.07B959.86M844.62M554.30M944.47M345.51M601.78M888.19M1.04B570.12M112.65M
Total Debt--5.25M60.41M40.00M100.00M103.40M74.40M54.40M100.40M13.40M13.40M13.40M1.51B27.73M276.77M111.67M55.17M54.47M151.99M151.60M122.48M147.82M123.70M223.37M
Net Debt-5.87M--7.43M49.20M12.34M84.93M62.03M-17.38M-29.70M-371.92M-735.77M-954.69M-1.21B439.06M-1.05B-683.36M-788.90M-499.23M-890.08M-193.52M-450.18M-765.71M-890.23M-446.43M110.72M

Cash Flow

Currency: USD2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.88M2.15M9.30M18.13M20.41M2.58M47.17M5.63M37.64M-79.28M-39.01M-49.99M-234.88M-161.97M-28.09M-173.96M66.88M120.69M83.89M119.61M186.72M227.65M265.01M
Investing Cash Flow-60.26M-292.28M-236.19M-396.99M-285.02M-173.88M-93.34M-254.75M-355.67M-360.40M-657.36M-418.81M501.32M-154.94M-84.31M84.66M-793.27M-1.23B-305.90M-826.73M415.55M-1.51B-1.06B
Financing Cash Flow70.42M267.45M324.48M398.88M209.65M268.65M221.12M366.98M594.88M658.25M966.74M347.09M-225.52M160.81M22.28M-265.14M1.12B509.02M478.28M993.52M-452.37M812.74M341.70M
Capital Expenditure431.00K1.40M1.71M1.55M1.85M4.27M2.50M3.62M2.11M5.10M9.10M6.61M9.00M8.02M515.00K2.38M2.01M3.74M1.55M5.13M12.69M4.97M7.09M
Free Cash Flow1.45M744.00K7.59M16.58M18.56M-1.69M44.67M2.01M35.53M-84.38M-48.10M-56.60M-243.88M-170.00M-28.61M-176.34M64.87M116.95M82.34M114.48M174.03M222.68M257.92M
Dividends Paid-169.00K942.00K75.00K68.00K184.00K2.29M433.00K------------3.27M--
FCF to OCF77.05%34.67%81.58%91.46%90.92%-65.68%94.71%35.68%94.40%106.43%123.33%113.22%103.83%104.95%101.83%101.37%96.99%96.90%98.15%95.71%93.20%97.82%97.32%
Dividend Paid to FCF-22.72%12.41%0.45%0.37%-10.87%5.13%21.55%------------1.88%--

Earnings

Report DateFeb 27, 2004Apr 26, 2004Jul 23, 2004Oct 27, 2004Feb 1, 2005Apr 25, 2005Jul 26, 2005Oct 25, 2005Jan 31, 2006Apr 24, 2006Jul 31, 2006Oct 30, 2006Jan 30, 2007Apr 30, 2007Aug 6, 2007Oct 29, 2007Feb 7, 2008Apr 28, 2008Jul 23, 2008Oct 23, 2008Jan 30, 2009Apr 27, 2009Jul 23, 2009Oct 26, 2009Jan 27, 2010Apr 26, 2010Jul 22, 2010Oct 21, 2010Jan 26, 2011Apr 26, 2011Jul 21, 2011Oct 20, 2011Jan 23, 2012Apr 24, 2012Jul 23, 2012Oct 23, 2012Jan 23, 2013Apr 24, 2013Jul 24, 2013Oct 24, 2013Jan 23, 2014Apr 23, 2014Jul 23, 2014Oct 30, 2014Jan 29, 2015May 20, 2015Sep 30, 2015Oct 29, 2015Feb 1, 2016Apr 28, 2016Jul 28, 2016Oct 27, 2016Feb 9, 2017Apr 27, 2017Jul 27, 2017Oct 26, 2017Jan 25, 2018Apr 26, 2018Jul 26, 2018Oct 25, 2018Jan 24, 2019Apr 25, 2019Jul 25, 2019Oct 24, 2019Jan 30, 2020Apr 30, 2020Jul 30, 2020Oct 29, 2020Jan 28, 2021Apr 29, 2021Jul 29, 2021Oct 28, 2021Jan 27, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Jan 26, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 30, 2025Apr 24, 2025Jul 24, 2025Oct 30, 2025Jan 29, 2026Apr 23, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate--0.050.070.110.040.100.140.160.190.230.230.250.260.280.290.280.210.170.150.070.01-0.01-0.010.020.040.070.070.070.110.110.090.090.120.090.140.130.220.170.170.130.270.13-0.070.070.010.120.02-0.24-0.02-0.150.020.050.060.070.110.110.210.140.170.170.250.180.270.200.210.280.370.370.420.430.430.450.500.510.600.700.760.880.930.951.061.071.121.131.241.281.331.461.341.361.44
EPS Actual0.150.050.070.070.160.090.120.120.190.200.220.230.220.250.270.270.200.190.280.020.090.030.110.040.020.100.020.020.080.090.020.070.100.150.130.120.150.200.150.130.170.010.050.11-0.06-0.06-0.15-0.01-0.03-0.28-0.47-0.030.010.110.120.190.100.250.130.240.130.310.210.380.180.220.350.400.410.440.490.480.460.500.530.540.710.880.890.930.811.061.071.041.151.191.271.181.281.411.45-
Surprise--40.00%0.00%45.45%125.00%20.00%-14.29%18.75%5.26%-4.35%0.00%-12.00%-3.85%-3.57%-6.90%-28.57%-9.52%64.71%-86.67%28.57%200.00%1200.00%500.00%0.00%150.00%-71.43%-71.43%14.29%-18.18%-81.82%-22.22%11.11%25.00%44.44%-14.29%15.38%-9.09%-11.76%-23.53%30.77%-96.30%-61.54%257.14%-185.71%-700.00%-225.00%-150.00%87.50%-1300.00%-213.33%-250.00%-80.00%83.33%71.43%72.73%-9.09%19.05%-7.14%41.18%-23.53%24.00%16.67%40.74%-10.00%4.76%25.00%8.11%10.81%4.76%13.95%11.63%2.22%0.00%3.92%-10.00%1.43%15.79%1.14%0.00%-14.74%0.00%0.00%-7.14%1.77%-4.03%-0.78%-11.28%-12.33%5.22%6.62%-
Timing--After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap2.01B
Enterprise Value2.88B
Trailing P/E9.51
Forward P/E14.60
PEG Ratio1.07
Price / Sales3.77
Price / Book2.87
EPS5.17
Book Value17.19
Revenue (TTM)531.90M
Gross Profit (TTM)531.90M
Profit Margin43.61%
Operating Margin59.71%
Return on Equity29.63%
Return on Assets2.57%
Shares Outstanding40.79M
Shares Float38.27M
Beta1.18
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 3 analystsTarget 80.67
  • Strong Buy
    1
  • Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
100.57%
Insiders
6.22%
Retail / Other
0.00%

Top Institutional Holders

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    2.78M6.82%
  • FMR Inc
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  • Vanguard Capital Management, LLC
    1.78M4.37%
  • Nantahala Capital Management, LLC
    1.38M3.38%
  • Dimensional Fund Advisors, Inc.
    1.34M3.29%
  • Geode Capital Management, LLC
    1.33M3.26%
  • Amvescap Plc.
    1.14M2.79%
  • HHG PLC
    1.08M2.66%
  • Owls Nest Partners IA, LLC
    967.77K2.37%
  • Brown Advisory Holdings Inc
    916.79K2.25%
  • Deutsche Bank AG
    839.83K2.06%
  • Ameriprise Financial Inc
    817.22K2.00%
  • Vanguard Portfolio Management, LLC
    791.20K1.94%

Top Fund Holders

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    2.53M6.21%
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    1.43M3.51%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.26M3.08%
  • iShares Russell 2000 ETF
    1.01M2.49%
  • Fidelity VIP Mid Cap Initial
    858.02K2.10%