TBBK Stock Analysis: Buy, Sell, or Hold?
TBBK - The Bancorp Inc.
$63.89
-0.65 (-1.01%)
▼
5d:
+3.2%
30d:
+17.1%
90d:
+16.57%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 23, 2026
17d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: TBBK shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: TBBK shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$125.67
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$78.03
18.1% 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 8.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TBBK is currently trading at $63.89, which is considered extended relative to its 30-day fair value range of $53.80 to $60.77. The stock's valuation (Forward PE: 7.9) is in line with its historical norms (8.0). Remarkably, the market is currently pricing in an annual earnings decline of 0.3% over the next few years. This pessimistic expectation contrasts with the company's recent 18.5% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, TBBK is in a downtrend. The price is approaching resistance at $56.55. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
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 $72.67 (+13.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, TBBK is in a downtrend. The price is approaching resistance at $56.55. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
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 $72.67 (+13.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$53.80 -
$60.77
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
54.8%
All Signals
- BEARISH: Price extended above range (+5.1% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($72.67)
Trading Range Analysis
30-Day Trading Range
$53.80 -
$60.77
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$51.95
Resistance Level
$56.55
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.92
Wall Street Target
$72.67
(+13.7%)
Revenue Growth (YoY)
4.1%
Earnings Growth (YoY)
18.5%
Profit Margin
43.5%
Valuation Discount vs History
-0.3% cheaper
PE vs Historical
7.9 vs 8.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.3%
(market-implied from PE analysis)
1-Year Target
$63.70
(0%)
2-Year Target
$63.51
(-1%)
3-Year Target
$63.32
(-1%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
$63.95
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 36.5%)
$446.76
(+599%)
Base:
(SPY PE: 7.9, Growth: 36.5%)
$162.46
(+154%)
Bear:
(PE: 6.7, Growth: 36.5%)
$138.09
(+116%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 12.56 | Current EPS (TTM): $5.14
Bull Case
$111.42
(+74%)
Analyst growth 56.9%, PE expands to 13.8
Base Case
$101.29
(+59%)
Market implied 56.9%, PE stable at 12.6
Bear Case
$43.89
(-31%)
Severe decline -20.0%, PE contracts to 10.7
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 7.9 to 8.0
Stabilization Target:
$64.53
(+1.0%)
PE Expansion Potential:
+1.0%
Share & Embed Analysis
Last updated: July 05, 2026 3:34 PM ET
Data refreshes hourly during market hours. Next update: 4:34 PM
Data refreshes hourly during market hours. Next update: 4:34 PM
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Technical Signals Check
Is TBBK showing a specific setup today?
Insider Activity (6 Months)
7
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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