The Bancorp, Inc. logo TBBK - The Bancorp, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
1
BUY 5
HOLD 1
SELL 0
STRONG
SELL
0
| PRICE TARGET: $58.00 DETAILS
HIGH: $60.00
LOW: $57.00
MEDIAN: $57.00
CONSENSUS: $58.00
UPSIDE: 4.84%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Revenue
Revenue 690.5 710.1 611.6 414.0 326.9 295.4 283.7 301.8 217.0 144.7 216.6 155.8 133.2 89.0 118.4 103.3 93.4 107.3 114.2 86.0 51.5 27.5 25.3 6.9 4.7
Cost of Revenue 177.7 214.7 163.8 66.6 14.3 22.3 42.7 30.7 18.3 15.6 15.7 12.5 11.1 18.1 33.5 33.8 29.1 53.3 59.3 39.7 17.1 8.7 6.1 5.2 4.0
Gross Profit 512.8 495.4 447.8 347.4 312.5 273.1 241.0 271.1 198.7 129.1 200.9 143.3 122.1 70.9 84.9 69.5 64.4 54.0 54.9 46.3 34.4 18.8 19.2 1.7 0.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 142.6 147.1 135.1 118.9 120.5 119.9 110.5 96.8 95.2 101.7 89.2 75.6 61.9 47.2 37.4 33.8 39.7 31.9 15.6 12.9 11.3 8.3 5.2 0 0
Other Expenses 67.2 56.1 55.9 50.6 47.9 44.9 58.1 54.5 63.1 96.9 104.9 60.4 40.0 33.0 34.2 27.9 18.4 85.4 15.6 12.6 11.5 7.7 13.1 2.2 0.7
Operating Expenses 209.7 203.2 191.0 169.5 168.3 164.8 168.5 151.3 158.4 198.6 194.1 136.0 101.8 80.2 71.6 61.7 58.0 117.3 31.2 25.5 22.8 16.0 18.4 2.2 0.7
Operating Income
Operating Income 303.0 292.2 256.8 177.9 144.2 108.3 72.5 119.8 40.4 (69.5) 6.8 7.3 20.3 (9.3) 13.2 7.8 6.3 (63.3) 23.7 20.8 11.6 2.8 0.8 (0.5) 0
Interest Expense 175.9 175.4 155.5 59.5 11.2 15.9 38.3 27.1 15.3 12.3 13.6 11.3 10.8 11.4 12.0 14.5 16.1 40.8 53.9 36.7 15.0 7.1 5.4 4.6 3.6
Interest Income 551.4 551.6 509.5 308.4 222.1 210.8 179.6 148.0 122.0 102.2 83.5 70.7 51.1 39.5 88.4 82.7 79.8 95.1 106.5 81.0 47.1 24.7 14.8 12.1 7.5
Profitability
EBITDA 303.0 296.3 259.8 181.2 147.5 112.0 77.7 125.3 46.4 (63.1) 12.7 13.0 25.1 (5.5) 17.3 11.8 10.2 (59.8) 24.8 22.8 12.5 3.5 1.6 (0.5) 0
EBIT 303.0 292.2 256.8 177.9 144.2 108.3 72.5 119.8 40.4 (69.5) 6.8 7.3 20.3 (9.3) 13.2 7.8 6.3 (63.3) 23.7 20.8 11.6 2.8 0.8 (0.5) 0
Income Before Tax 303.0 292.2 256.8 177.9 144.2 108.3 72.5 119.8 40.4 (69.5) 6.8 7.3 20.3 (9.3) 13.2 7.8 6.3 (63.3) 23.7 20.8 11.6 2.8 0.8 (0.5) 0
Income Tax Expense 74.8 74.6 64.5 47.7 33.7 27.7 21.2 32.2 23.1 (12.7) 1.4 (14.5) 6.8 (3.5) 4.3 2.5 2.2 (20.9) 9.3 8.3 4.2 (0.9) (0.2) (0.5) 0
Net Income 228.2 217.5 192.3 130.2 110.7 80.1 51.6 88.7 21.7 (96.5) 13.4 57.1 (14.4) (43.2) 8.9 5.2 4.1 (42.4) 14.3 12.5 7.4 3.7 1.1 0.0 (3.6)
Per Share Data
EPS (Basic) 4.99 4.35 3.53 2.30 1.93 1.39 0.91 1.57 0.39 -2.17 0.38 -0.49 0.67 0.50 0.28 -0.04 0.02 -2.93 1.03 0.90 0.49 0.25 0.06 -0.37 -1.94
EPS (Diluted) 4.92 4.29 3.49 2.27 1.88 1.37 0.90 1.55 0.39 -2.17 0.38 -0.49 0.66 0.50 0.28 -0.04 0.02 -2.93 0.98 0.86 0.48 0.24 0.06 -0.37 -1.94
Shares Outstanding 45.8 50.1 54.5 56.6 57.2 57.5 56.8 56.3 55.7 44.6 37.9 37.7 37.4 33.2 31.9 26.2 18.8 14.5 13.9 13.7 12.9 10.3 2.0 2.0 2.0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001
Current Assets
Cash & Cash Equivalents 112.6 570.1 1,038.1 888.2 601.8 345.5 944.5 554.3 844.6 959.9 354.5 91.8 11.2 12.7 0 5.9
Short-Term Investments 19.9 50.6 747.5 766.0 953.7 1,206.2 1,320.7 1,236.3 1,294.5 1,248.6 0 0 0 0 0 0
Net Receivables 43.1 742.3 723.2 664.2 548.9 482.6 448.1 410.3 388.6 357.2 7.7 7.8 3.4 1.2 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 175.6 1,363.0 2,508.8 2,318.4 2,104.4 2,034.3 2,713.2 2,198.1 2,527.7 2,565.7 362.2 99.6 14.7 13.9 0 5.9
Non-Current Assets
Property, Plant & Equipment 29.8 27.6 27.5 18.4 16.2 17.6 17.5 18.9 20.1 24.1 7.9 8.3 3.0 2.4 0 0
Goodwill 0.3 0.3 0.3 0.3 0.3 0.3 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0.6 1.0 1.4 1.8 2.2 2.6 2.3 3.8 5.4 6.9 10.0 11.0 0 0 0 0
Long-Term Investments 8,156.3 7,043.5 4,980.9 5,421.5 4,590.1 4,129.8 2,824.3 2,128.6 1,976.0 2,114.2 1,540.7 1,538.4 544.5 254.8 0 0
Other Non-Current Assets 971.1 273.3 165.7 123.0 117.5 82.5 87.0 66.8 144.3 91.5 101.8 112.2 14.1 33.1 0 0
Total Non-Current Assets 9,176.8 7,364.5 5,196.9 5,584.6 4,738.9 4,242.5 2,943.7 2,239.8 2,180.5 2,292.4 1,681.4 1,692.8 561.6 290.3 0 0
Total Assets 9,352.4 8,727.5 7,705.7 7,903 6,843.2 6,277.4 5,658.6 4,454.6 4,708.1 4,840.9 2,043.5 1,792.4 576.3 304.2 23.3 155.0
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0.4 2.5 0.4 0.2 0 0
Short-Term Debt 0 0 0.0 0.0 0.0 0.0 0.1 0.1 0.2 0.3 102.6 70.4 60.1 0.0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 8,165.5 7,746.0 6,680.9 7,030.1 5,976.9 5,462.1 5,052.0 3,935.7 4,260.8 4,238.3 1,654.5 1,519.8 388.1 276.8 0 0
Total Current Liabilities 8,165.5 7,746.0 6,681.0 7,030.2 5,977.0 5,462.1 5,052.1 3,935.8 4,261.1 4,238.6 1,757.5 1,592.7 448.5 277.0 0 0
Non-Current Liabilities
Long-Term Debt 223.4 123.7 147.8 122.5 151.6 152.0 54.4 55.1 55.7 276.5 13.4 13.4 5.4 5.2 0 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 273.8 68.0 69.6 56.3 62.2 81.6 66.0 40.3 67.2 44.1 27.5 5.8 0.9 0.3 0 0
Total Non-Current Liabilities 497.1 191.7 217.5 178.8 213.8 233.6 120.4 95.3 122.9 320.6 40.9 19.2 6.3 5.5 0 0
Total Liabilities 8,662.6 7,937.8 6,898.4 7,209.0 6,190.8 5,695.7 5,172.5 4,047.8 4,384.0 4,559.2 1,798.3 1,612.0 454.9 282.5 0 0
Stockholders' Equity
Common Stock 48.4 47.7 53.2 55.7 57.4 57.7 56.9 56.4 55.9 55.4 26.2 14.6 11.9 2.3 0 0
Retained Earnings 1,007.4 779.2 561.6 369.3 239.1 128.5 50.7 (0.8) (89.5) (111.9) (17.2) (17.5) (7.9) (10.8) 0 0
Accumulated Other Comprehensive Income 10.8 (17.6) (20.0) (30.3) 6.3 17.7 6.0 (14.2) (4.6) (4.2) (0.1) (0.8) (0.2) (0.2) 0 0
Total Stockholders' Equity 689.8 789.8 807.3 694.0 652.5 581.2 484.5 406.8 324.1 298.7 245.2 180.4 121.4 21.7 17.0 14.2
Total Liabilities & Equity 9,352.4 8,727.5 7,705.7 7,903 6,843.2 6,277.4 5,658.6 4,454.6 4,708.1 4,840.9 2,043.5 1,792.4 576.3 304.2 23.3 155.0
Debt Metrics
Total Debt 223.4 123.7 147.8 122.5 151.6 152.0 54.4 55.1 55.7 276.5 116.0 83.8 65.5 5.2 0 0
Net Debt 110.7 (446.4) (890.2) (765.7) (450.1) (193.5) (890.0) (499.1) (788.7) (683.1) (238.5) (8.0) 54.3 (7.4) 0 (5.9)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003
Operating Activities
Net Income 228.2 217.5 192.3 130.2 110.7 80.1 51.6 88.7 21.7 (96.5) 7.4 3.7 1.1
Depreciation & Amortization 0 4.6 3.1 2.9 3.3 3.8 5.2 5.5 6.0 6.4 0.8 0.7 0.8
Stock-Based Compensation 0 15.0 11.4 7.6 8.6 6.4 5.7 3.5 3.2 2.8 0 0 0
Change in Working Capital 23.6 (31.4) (31.0) (22.2) (32.8) 5 (0.4) (1.2) (10.0) 18.2 (1.1) (2.4) 0.4
Other Non-Cash Items 13.2 19.7 16.6 (4.7) (7.2) 26.8 3.2 (286.3) (69.8) (78.5) 2.0 1.2 (0.1)
Operating Cash Flow 265.0 227.7 186.7 119.6 83.9 120.7 66.9 (174.0) (28.1) (162.0) 9.3 2.1 1.9
Investing Activities
Capital Expenditure (7.1) (5.0) (12.7) (5.1) (1.5) (3.7) (2.0) (2.4) (0.5) (8.0) (1.7) (1.4) (0.4)
Acquisitions 0.2 0 0 0 0 (3.9) 0 0 0 0 (0.7) 0 0
Purchases of Investments (435.9) (991.2) (49.0) (24.2) (259.1) (34.7) (157.5) (134.8) (579.9) (549.5) (30.2) (123.1) (25.2)
Sales/Maturities of Investments 314.6 242.7 71.1 161.1 499.6 241.7 194.1 213.2 569.7 362.0 45.2 27.8 34.5
Other Investing Activities (936.0) (754.9) 406.1 (958.5) (544.9) (1,428.0) (827.9) 8.4 (73.5) 40.6 (248.7) (195.5) (69.1)
Investing Cash Flow (1,064.2) (1,508.4) 415.6 (826.7) (305.9) (1,228.7) (793.3) 84.7 (84.3) (154.9) (236.2) (292.3) (60.3)
Financing Activities
Net Debt Issuance 298.5 (0.0) (3.3) 0 0 98.2 0 0 0 0 (23.4) 60.0 (1.0)
Stock Repurchased (378.3) (252.4) (100.0) (60) (40) 0 0 0 0 0 0 0 0
Dividends Paid 0 0 0 0 0 0 0 0 0 0 (0.9) (0.2) 0
Other Financing Activities 419.4 1,065.1 (349.2) 1,053.2 514.9 410.0 1,116.3 (265.1) 22.3 0 344.5 111.3 67.3
Financing Cash Flow 341.7 812.7 (452.4) 993.5 478.3 509.0 1,116.6 (265.1) 22.3 160.8 324.5 267.5 70.4
Cash Position
Net Change in Cash (457.5) (468.0) 149.9 286.4 256.3 (599.0) 390.2 (354.6) (90.1) (156.1) 97.6 (22.7) 12.0
Cash at Beginning 570.1 1,038.1 888.2 601.8 345.5 944.5 554.3 908.9 999.1 1,155.2 19.5 42.2 30.1
Cash at End 112.6 570.1 1,038.1 888.2 601.8 345.5 944.5 554.3 908.9 999.1 117.1 19.5 42.2
Free Cash Flow 257.9 222.7 174.0 114.5 82.3 116.9 64.9 (176.3) (28.6) (170.0) 7.6 0.7 1.4
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Income Statement
Revenue 690.5 710.1 611.6 414.0 326.9 295.4 283.7 301.8 217.0 144.7 216.6 155.8 133.2 89.0 118.4 103.3 93.4 107.3 114.2 86.0 51.5 27.5 25.3 6.9 4.7
Gross Profit 512.8 495.4 447.8 347.4 312.5 273.1 241.0 271.1 198.7 129.1 200.9 143.3 122.1 70.9 84.9 69.5 64.4 54.0 54.9 46.3 34.4 18.8 19.2 1.7 0.7
Operating Income 303.0 292.2 256.8 177.9 144.2 108.3 72.5 119.8 40.4 (69.5) 6.8 7.3 20.3 (9.3) 13.2 7.8 6.3 (63.3) 23.7 20.8 11.6 2.8 0.8 (0.5) 0
Net Income 228.2 217.5 192.3 130.2 110.7 80.1 51.6 88.7 21.7 (96.5) 13.4 57.1 (14.4) (43.2) 8.9 5.2 4.1 (42.4) 14.3 12.5 7.4 3.7 1.1 0.0 (3.6)
EPS (Diluted) 4.92 4.29 3.49 2.27 1.88 1.37 0.90 1.55 0.39 -2.17 0.38 -0.49 0.66 0.50 0.28 -0.04 0.02 -2.93 0.98 0.86 0.48 0.24 0.06 -0.37 -1.94
Balance Sheet
Cash & Equivalents 112.6 570.1 1,038.1 888.2 601.8 345.5 944.5 554.3 844.6 959.9 354.5 91.8 11.2 12.7 0 5.9
Total Assets 9,352.4 8,727.5 7,705.7 7,903 6,843.2 6,277.4 5,658.6 4,454.6 4,708.1 4,840.9 2,043.5 1,792.4 576.3 304.2 23.3 155.0
Total Debt 223.4 123.7 147.8 122.5 151.6 152.0 54.4 55.1 55.7 276.5 116.0 83.8 65.5 5.2 0 0
Stockholders' Equity 689.8 789.8 807.3 694.0 652.5 581.2 484.5 406.8 324.1 298.7 245.2 180.4 121.4 21.7 17.0 14.2
Cash Flow
Operating Cash Flow 265.0 227.7 186.7 119.6 83.9 120.7 66.9 (174.0) (28.1) (162.0) 9.3 2.1 1.9
Capital Expenditure (7.1) (5.0) (12.7) (5.1) (1.5) (3.7) (2.0) (2.4) (0.5) (8.0) (1.7) (1.4) (0.4)
Free Cash Flow 257.9 222.7 174.0 114.5 82.3 116.9 64.9 (176.3) (28.6) (170.0) 7.6 0.7 1.4