TBBK Stock Analysis: Buy, Sell, or Hold?
TBBK - The Bancorp Inc.
$59.44
-11.09 (-15.72%)
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WAIT
LOW Confidence
Last Updated: January 30, 2026
Earnings: Jan 29, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR STABILIZATION: TBBK is down 11.5% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: TBBK is down 11.5% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$131.48
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$81.64
27.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TBBK is currently trading at $59.44, which is considered oversold relative to its 30-day fair value range of $66.61 to $71.06. The stock's valuation (Forward PE: 11.0) is in line with its historical norms (10.5). At these levels, the market is pricing in 1.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, TBBK is in a downtrend. The price is currently testing key support at $66.36. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 15.7% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, TBBK is in a downtrend. The price is currently testing key support at $66.36. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 15.7% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$66.61 -
$71.06
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
Protect Your Profits
Holding TBBK? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-15.7%)
- NEUTRAL: Near Wall St target ($76.50)
- NEUTRAL: Market pricing in 1.6% annual earnings growth - fairly valued
- WARNING: Recommendation downgraded due to -11.5% 5-day decline - wait for stabilization
Fair Price Analysis
30-Day Fair Range
$66.61 -
$71.06
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$66.36
Resistance Level
$72.89
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
10.97
Wall Street Target
$76.50
(+8.5%)
Revenue Growth (YoY)
5.9%
Earnings Growth (YoY)
13.5%
Profit Margin
43.5%
Valuation Premium vs History
+1.6% premium
PE vs Historical
11.0 vs 10.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$71.66
(+2%)
2-Year Target
$72.81
(+3%)
3-Year Target
$73.97
(+5%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
PE COMPRESSION
$70.81
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 26.7%)
$291.64
(+314%)
Base:
(SPY PE: 11.0, Growth: 26.7%)
$143.45
(+103%)
Bear:
(PE: 9.3, Growth: 26.7%)
$121.93
(+73%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 14.30 | Current EPS (TTM): $4.78
Bull Case
$101.12
(+43%)
Analyst growth 34.5%, PE expands to 15.7
Base Case
$91.93
(+30%)
Market implied 34.5%, PE stable at 14.3
Bear Case
$46.47
(-34%)
Severe decline -20.0%, PE contracts to 12.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 30, 2026 5:43 PM ET
Data refreshes hourly during market hours. Next update: 6:43 PM
Data refreshes hourly during market hours. Next update: 6:43 PM
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Technical Signals Check
Is TBBK showing a specific setup today?
Insider Activity (6 Months)
1
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Ryan Harris
SELL
9841 shares
2025-09-10
Gregor J Garry
SELL
12532 shares
2025-09-08
Gregor J Garry
SELL
468 shares
2025-09-05
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Advanced TBBK Option Strategies
Professional options setups generated by AI based on today's TBBK price and gamma walls.
