BANCORP INC (TBBK)
Financials · Fintech banking / Bank-as-a-Service (BaaS) · NASDAQ
Fintech-focused FDIC bank that issues cards and processes payments for fintech partners while deploying their deposits into specialized lending.
What BANCORP INC does
The Bancorp, Inc. is a Delaware financial holding company and FDIC-insured bank providing fintech banking services, with a primary focus on program sponsorship (issuing debit, credit, and prepaid cards for fintech partners), payment processing (ACH and acquiring services), and sponsored lending products. The company deploys deposits generated through fintech partnerships into specialized lending through its Credit Solutions business, which focuses on lower-risk assets across various markets.
Themes: ["Fintech banking / program sponsorship","Payment processing (ACH, acquiring, real-time payments)","Card issuing (debit, credit, prepaid)","Sponsored lending","Fintech deposits","Credit enhancement"]
Fundamentals
- Price$66.54 as of 2026-07-09 close
- Market cap$2.7B as of 2026-07-10
- 1-year return+8.1% as of 2026-07-09 close
- P/E11.83 as of 2026-07-10
- Net margin+41.9% as of 2026-07-10
- ROE+30.6% as of 2026-07-10
- Debt / equity0.99 as of 2026-07-10
- Revenue growth (YoY)+89.1% as of 2026-07-10
- Beta1.22 as of 2026-07-10
Key risks (from latest filing)
["Fintech loan portfolio concentration risk: fintech loans grew to $1.1 billion (15% of total loans) as of December 31, 2025, with all fintech loans covered by credit enhancement agreements, creating counterparty and concentration exposure","Partner-dependent business model: 91% of total deposits sourced from Fintech Solutions, creating significant customer concentration risk if key fintech partners reduce volumes or terminate partnerships","Regulatory compliance burden: rapid growth in fintech products and lending requires maintaining effective regulatory compliance across multiple product lines and payment networks"]
Competitors & peers
- Customers Bancorp (CUBI)
- Flagship Community Bank
- CrossCountry Mortgage
- Radius Bank
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.