TBBK Valuation

Bancorp Inc

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76.240

-1.64(-2.106%)1D

Overview
Forecast
Valuation
Earnings

TBBK Relative Valuation

TBBK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, TBBK is overvalued; if below, it's undervalued.

Historical Valuation

Bancorp Inc (TBBK) is now in the Overvalued zone, suggesting that its current forward PE ratio of 13.08 is considered Overvalued compared with the five-year average of 9.91. The fair price of Bancorp Inc (TBBK) is between 51.63 to 71.65 according to relative valuation methord. Compared to the current price of 76.23 USD , Bancorp Inc is Overvalued By 6.39%.

Relative Value

Fair Zone

51.63-71.65

Current Price：76.23

6.39%

Overvalued

13.08

Trailing

Forward

0.00

EV/EBITDA

Bancorp Inc. (TBBK) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Bancorp Inc. (TBBK) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

8.87

Bancorp Inc. (TBBK) has a current PS of 8.87. The 5-year average PS is 5.34. The thresholds are as follows: Strongly Undervalued below 3.04, Undervalued between 3.04 and 4.19, Fairly Valued between 6.48 and 4.19, Overvalued between 6.48 and 7.63, and Strongly Overvalued above 7.63. The current Forward PS of 8.87 falls within the Strongly Overvalued range.

0.00

P/OCF

Bancorp Inc. (TBBK) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Bancorp Inc. (TBBK) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Bancorp Inc (TBBK) has a current Price-to-Book (P/B) ratio of 4.19. Compared to its 3-year average P/B ratio of 2.73 , the current P/B ratio is approximately 53.28% higher. Relative to its 5-year average P/B ratio of 2.45, the current P/B ratio is about 71.20% higher. Bancorp Inc (TBBK) has a Forward Free Cash Flow (FCF) yield of approximately 9.90%. Compared to its 3-year average FCF yield of 7.93%, the current FCF yield is approximately 24.87% lower. Relative to its 5-year average FCF yield of 4.27% , the current FCF yield is about 131.61% lower.

4.19

P/B

Median3y

2.73

Median5y

2.45

9.90

FCF Yield

Median3y

7.93

Median5y

4.27

Competitors Valuation Multiple

The average P/S ratio for TBBK's competitors is 4.44, providing a benchmark for relative valuation. Bancorp Inc Corp (TBBK) exhibits a P/S ratio of 8.98, which is 102.19% above the industry average. Given its robust revenue growth of 46.00%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

First Interstate Bancsystem Inc

Cathay General Bancorp

Independent Bank Corp (Massachusetts)

Performance Decomposition

Market capitalization of TBBK increased by 48.63% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 120.05M to 175.27M.

The secondary factor is the P/E Change, contributed 26.31%to the performance.

Overall, the performance of TBBK in the past 1 year is driven by Revenue Growth. Which is more sustainable.

46.00%

120.05M → 175.27M

Revenue Growth

-23.68%

44.72 → 34.13

Margin Expansion

26.31%

13.26 → 16.75

P/E Change

48.63%