TBBK Stock Analysis: Buy, Sell, or Hold?
TBBK - The Bancorp Inc.
$53.73
1.82 (3.51%)
▲
5d:
+1.47%
30d:
-0.74%
90d:
-21.97%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 23, 2026
21d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: TBBK trading at deep discount. Market pricing in -8.6% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: TBBK trading at deep discount. Market pricing in -8.6% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$137.17
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$85.17
36.9% 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 8.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TBBK is currently trading at $53.73, which is considered fair relative to its 30-day fair value range of $52.11 to $55.53. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.6) compared to its historical average (8.7). Remarkably, the market is currently pricing in an annual earnings decline of 8.6% over the next few years. This pessimistic expectation contrasts with the company's recent 11.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, TBBK is in a strong downtrend. Immediate support is located at $51.12, while resistance sits at $55.74. The stock is showing strong short-term momentum, up 3.5% recently.
Market Sentiment: TBBK has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $72.00 (+34.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, TBBK is in a strong downtrend. Immediate support is located at $51.12, while resistance sits at $55.74. The stock is showing strong short-term momentum, up 3.5% recently.
Market Sentiment: TBBK has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $72.00 (+34.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$52.11 -
$55.53
Company Quality Score
58/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
84.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.5%)
- BULLISH: Trading 34.0% below Wall St target ($72.00)
Fair Price Analysis
30-Day Fair Range
$52.11 -
$55.53
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$3.62
(6.7%)
Support & Resistance Levels
Support Level
$51.12
Resistance Level
$55.74
Current Trend
Strong Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.64
Wall Street Target
$72.00
(+34.0%)
Revenue Growth (YoY)
2.3%
Earnings Growth (YoY)
11.9%
Profit Margin
43.4%
Valuation Discount vs History
-8.6% cheaper
PE vs Historical
6.6 vs 8.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.6%
(market-implied from PE analysis)
1-Year Target
$49.11
(-9%)
2-Year Target
$44.89
(-17%)
3-Year Target
$41.03
(-24%)
3-Yr Target (if PE normalizes)
(PE: 7→9)
$53.79
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 36.8%)
$463.74
(+763%)
Base:
(SPY PE: 6.6, Growth: 36.8%)
$137.69
(+156%)
Bear:
(PE: 5.6, Growth: 36.8%)
$117.04
(+118%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 10.69 | Current EPS (TTM): $4.92
Bull Case
$95.24
(+77%)
Analyst growth 64.6%, PE expands to 11.8
Base Case
$86.58
(+61%)
Market implied 64.6%, PE stable at 10.7
Bear Case
$35.77
(-33%)
Severe decline -20.0%, PE contracts to 9.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.6 to 8.7
Stabilization Target:
$70.44
(+31.1%)
PE Expansion Potential:
+31.1%
Share & Embed Analysis
Last updated: March 31, 2026 10:38 PM ET
Data refreshes hourly during market hours. Next update: 11:38 PM
Data refreshes hourly during market hours. Next update: 11:38 PM
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Technical Signals Check
Is TBBK showing a specific setup today?
Insider Activity (6 Months)
9
Buys
1
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Ryan Harris
SELL
4500 shares
2026-03-13
Matthew Cohn
BUY
230 shares
2026-02-12
Matthew Cohn
BUY
170 shares
2026-02-11
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