The Bancorp, Inc. (TBBK) Stock Analysis
Range Bound setup
Financial Services · Banks - Regional
Sell if holding. At $60.69, A.R:R 0.2:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Loan Portfolio: real estate bridge lending (31.0%).
The Bancorp is a fintech-focused national bank (OCC-regulated) that partners with fintech companies to provide prepaid/debit cards, payment processing, and sponsored lending, with $9.35B total assets as of Dec 31, 2025. Fintech Solutions generates 91% of deposits, deployed into... Read more
Sell if holding. At $60.69, A.R:R 0.2:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Loan Portfolio: real estate bridge lending (31.0%). Chart setup: RSI 58 mid-range, Bollinger mid-band. Score 5.7/10, moderate confidence.
Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 84d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfolioFintech Solutions deposits91%10-K Item 1: 'As of December 31, 2025, 91% of our total deposits were sourced from Fintech Solutions business, primarily from Program sponsorship.'
- HIGHloan_portfolioreal estate bridge lending31%10-K Item 1: 'Real estate bridge lending ("REBL") is $2.26 billion of loans, or 31% of our total loan portfolio'
- MEDIUMregulatoryOCC10-K Item 1: 'The Bancorp Bank, National Association...supervised and examined by the Office of the Comptroller of the Currency ("OCC") as its primary regulator'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. At $60.69, A.R:R 0.2:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Loan Portfolio: real estate bridge lending (31.0%). Chart setup: RSI 58 mid-range, Bollinger mid-band. Prior stop was $56.79. Score 5.7/10, moderate confidence.
Take-profit target: $61.77 (+2.1% upside). Prior stop was $56.79. Stop-loss: $56.79.
Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Loan Portfolio: real estate bridge lending (31.0%); Analyst target reached - limited upside remaining.
The Bancorp, Inc. trades at a P/E of 11.7 (forward 7.4). TrendMatrix value score: 8.1/10. Verdict: Sell.
9 analysts cover TBBK with a consensus score of 4.1/5. Average price target: $73.
What does The Bancorp, Inc. do?The Bancorp is a fintech-focused national bank (OCC-regulated) that partners with fintech companies to provide...
The Bancorp is a fintech-focused national bank (OCC-regulated) that partners with fintech companies to provide prepaid/debit cards, payment processing, and sponsored lending, with $9.35B total assets as of Dec 31, 2025. Fintech Solutions generates 91% of deposits, deployed into specialty lending (REBL 31%, institutional banking 27%, fintech loans 15% of loan portfolio). Total fintech fee income was $141.1M in 2025.