BANCORP INC (TBBK)
Financials · regional banks · NASDAQ
A digital-first, branchless bank serving as a specialized infrastructure partner for fintech companies and payments providers.
What BANCORP INC does
The Bancorp, Inc. is a financial services company that provides private-label banking and technology solutions, primarily serving fintech companies and non-bank financial institutions. The company specializes in prepaid card programs, payment processing services, and commercial lending, operating through a branchless, digital-first banking model. It generates significant non-interest income from its fintech-related fee businesses and credit enhancement services.
Themes: fintech banking infrastructure, payments / cards, commercial lending, digital banking
Fundamentals
- Price$67.19 as of 2026-08-21 close
- Market cap$2.7B as of 2026-08-21
- 1-year return-0.5% 2025-08-21 close $67.53 → 2026-08-21 close $67.19
- P/E12.27 as of 2026-08-24
- Net margin+41.9% as of 2026-08-24
- ROE+30.6% as of 2026-08-24
- Debt / equity0.99 as of 2026-08-24
- Beta1.25 as of 2026-08-24
- Last reported earnings2026-07-30 SEC EDGAR Form 8-K (Item 2.02)
How TBBK compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit margintop 10% 538 covered Financials peers, as of 2026-08-24
- operating margintop 10% 534 covered Financials peers, as of 2026-08-24
- return on equitytop 10% 575 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
TBBK is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no growth data.
Short-term score
55.3 #463 of 1,704 scored · #78 of 277 in Financials
Setup 65th: no fresh 20-day breakout up or down; momentum 57th: near the bottom of its 14-day range (oversold); weakest is catalysts 49th: analysts' average price target is unchanged from the prior reading.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
How BANCORP INC looks technically
BANCORP INC (TBBK) is trading 8.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 12 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It made a new 20-day high about 14 trading days ago. It is 17.7% below its highest point of the past year.
Trend
9
| Distance from the 200-day | it is trading 8.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +8.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $65.29 | $65.29 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $61.81 | $61.81 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 16 calendar days ago — the swings before that are what the structure reading is measured on | 16 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 72.92. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 12 trading days ago — a "golden cross", a bullish long-term signal | 12 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 8.7% above | +8.7% |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 23.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30) | 48.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($66.10 to $72.92) — its "stochastic" reading is 16 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 16.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative) | 10 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $81.65 | $81.65 |
|---|---|---|
| From the 52-week high | it is 17.7% below its 52-week high (its highest price of the past year) | -17.7% |
| Above the 52-week low | it is 33.8% above its 52-week low (its lowest price of the past year) | +33.8% |
| Below the 52-week high | it is 17.7% below its highest point of the past year | 17.7% |
| Since a 20-day breakout | it made a new 20-day high about 14 trading days ago | 14 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $81.65 (set on 2025-10-15) | $81.65 |
| Given back of the 52-week move | over the past year its closes ranged ($51.48 to $80.34), and it has recovered around half of its fall from last year’s high — 54% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $69.32 to $70.24. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 54.4% |
| From the all-time high | it is 17.7% below its all-time high | -17.7% |
| Nearest price level | it is trading 1.7% above a support level at $66.03 — a price it turned at four times since 2025-02-10, most recently on 2026-01-21. Since 2024-08-21 it has 10 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.7% |
| All-time low | its lowest closing price on record is $2.09 (set on 2008-12-30) | $2.09 |
| Above the all-time low | it is 3114.8% above its all-time low | +3,115% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 78% of it) | 22nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.95 between its high and its low — about 2.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.95 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $65.33 and $72.28 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $65.33 – $68.81 – $72.28 |
| Typical daily range (% of price) | its price moves about 2.9% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.9% |
| Stretch from the 200-day average | it is trading 2.8 daily ranges above its 200-day average price (8.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.78× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
3
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|---|---|
| Since a hammer | today, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | today |
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.7% |
|---|---|---|
| Open gap | it gapped 3.6% above the previous close 31 sessions ago and has not traded back through the level it left behind at 63.03 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +3.6% |
| Gap filled | a 2.7% gap up opened on 2026-08-03 has been "filled" 1 session ago — price traded back through the level the gap left behind, and it took 13 sessions to close | 1 session ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.2 percentage points (the stock gained 0.2% while the market gained 2.3%) | -2.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 18.9 percentage points (the stock gained 22.0% while the market gained 3.1%) | +18.9% |
| vs market, 6 months | over the past 6 months this stock beat the market by 4.3 percentage points (the stock gained 15.4% while the market gained 11.1%) | +4.3% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 21.0 percentage points (the stock lost 0.5% while the market gained 20.5%) | -21.0% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 4.6% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 4.2% of the share price. | +4.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 11% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $60.65 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +10.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-30 (its 8-K), so the typical buyer over that stretch is under water. That average is $68.72 — a volume-weighted average of daily closes over 17 sessions, not a true tick-by-tick VWAP. | -2.2% |
Price levels it has turned at before
TBBK last closed at $67.19 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $66.03 | Support | 1.7% below the last close | turned there four times · 2025-02-10 to 2026-01-21 |
| $64.09 | Support | 4.6% below the last close | turned there three times · 2025-01-31 to 2026-07-23 |
| $71.20 | Resistance | 6.0% above the last close | turned there 7 times · 2025-07-23 to 2026-07-16 |
| $72.86 | Resistance | 8.4% above the last close | turned there twice · 2026-01-22 to 2026-08-05 |
| $61.06 | Support | 9.1% below the last close | turned there three times · 2024-11-25 to 2026-05-06 |
| $80.78 | Resistance | 20.2% above the last close | turned there four times · 2025-09-04 to 2025-10-29 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $72.92.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Recent golden cross (50-day crossed above 200-day) · Tested and reclaimed 200-day support · Printed a hammer candle after a decline · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.67 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$84.33 range $79.00 – $88.00; median $86.00
Analyst estimates, as of 2026-08-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for TBBK
- Consensus EPS estimate$1.47 next reporting period, as of 2026-08-17
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration of business with a limited number of fintech partners and program managers.","Regulatory and compliance risks associated with the highly regulated banking and payment processing industries.","Potential for higher provisions for credit losses on the fintech loan portfolio."]
What changed in the latest 10-Q
AI-assisted comparison of TBBK's 10-Q filed 2026-05-06 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing references Form 10-K for fiscal year ended 2025 (the '2025 Form 10-K'); older filing references Form 10-K for fiscal year ended 2024 (the '2024 Form 10-K, as amended')
- Newer filing refers to 'interim Condensed Consolidated Financial Statements'; older filing refers to 'unaudited interim consolidated financial statements'
- Newer MD&A section structure includes 'Asset and Liability Management' section; older structure includes 'Off-Balance Sheet Arrangements' section
- Newer forward-looking statements mention 'annual fiscal 2026 results' and 'increased growth'; older states 'annual fiscal 2025 results'
- Newer forward-looking statements include specific reference to 'ongoing military operations involving the U.S., Israel and Iran'
- Newer forward-looking statements reference 'focus on growth in fintech solutions'; older states 'entry into consumer fintech lending'
- Newer filing removes reference to 'material weaknesses in internal control over financial reporting identified' language
- Removed:
- Older Overview section contained detailed description of loan portfolios (real estate bridge lending, SBLOC, IBLOC, SBA loans) and risk profile discussion; newer filing truncates before this content
- Older filing included 'Nature of Operations' subsection header; newer filing text is cut off before this appears
- Reworded:
- Newer: 'our focus on growth in fintech solutions'; Older: 'our entry into consumer fintech lending' (shifts from 'entry' to 'focus on growth')
- Newer: 'ongoing military operations involving the U.S., Israel and Iran, and the possible expansion of such conflicts'; Older: 'conflicts in the Middle East as well as the possible expansion of such conflicts' (more specific geographic references in newer)
- Newer: 'our ability to maintain effective internal control over financial reporting'; Older: 'our ability to remediate the material weaknesses in internal control over financial reporting identified, and to subsequently maintain effective internal control over financial reporting' (removes remediation language)
- Notes:
- Newer filing text is truncated at 'general purpose reload' making full Overview section comparison incomplete
- Both filings contain similar risk factor language with minor variations in geopolitical references
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 2 sells ($220195) — 1 selling insider
- Last 90 days0 buys · 2 sells ($220195) — 1 selling insider
- Last 180 days4 buys ($148798) · 4 sells ($995666) — 1 buying, 3 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-06. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about TBBK's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding TBBK as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 11,052,413
- Reported value $593,846,184
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
TBBK had 3,123,184 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
TBBK had 7.66% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.72 days to cover at the same settlement.
- Reported short interest (shares) 3,123,184
- Short interest (% of shares outstanding) 7.66%
- Prior settlement (shares) 3,169,875
- Reported change -1.47%
- Days to cover (reported) 6.72
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Banc of California (BANC)
- Axos Financial (AX)
- Pathward Financial (CASH)
- Cross River Bank
- Green Dot Corporation (GDOT)
- MetaBank
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare TBBK vs…
BANCORP INC is found in…
Frequently asked questions
What does BANCORP INC (TBBK) do?
The Bancorp, Inc. is a financial services company that provides private-label banking and technology solutions, primarily serving fintech companies and non-bank financial institutions. The company specializes in prepaid card programs, payment processing services, and commercial lending, operating through a branchless, digital-first banking model. It generates significant non-interest income from its fintech-related fee businesses and credit enhancement services.
What sector is BANCORP INC (TBBK) in?
BANCORP INC (TBBK) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Who are BANCORP INC's (TBBK) competitors?
Notable peers of BANCORP INC (TBBK) include Banc of California, Axos Financial, Pathward Financial, Cross River Bank and Green Dot Corporation. This peer set is informational only — not financial advice.
Is BANCORP INC (TBBK) overbought or oversold right now?
BANCORP INC (TBBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on TBBK come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.