The Bancorp, Inc. (TBBK) Stock Analysis
Falling Knife setup
Financial Services · Banks - Regional
Sell if holding. Momentum 3.4/10 is below the 5.0 floor at $53.62 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: 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. Momentum 3.4/10 is below the 5.0 floor at $53.62 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Loan Portfolio: real estate bridge lending (31.0%). Chart setup: Death cross, below all MAs, RSI 28, MACD bearish. Score 5.7/10, moderate confidence.
Passes 7/9 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 65d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: aggressive.
Recent Developments — The Bancorp, Inc.
Latest news
- TBBK (The Bancorp Inc) Q4 2025 earnings miss estimates, shares gain on 31.6 percent year over year revenue growth. - Ear — Cổng thông tin điện tử tỉnh Lào Cai negative
- The Bancorp (TBBK) To Report Earnings Tomorrow: Here Is What To Expect - StockStory — StockStory neutral
- Bancorp (TBBK) Q4 2025 Earnings Transcript - The Motley Fool — The Motley Fool neutral
- Bancorp (TBBK) Q4 2025 Earnings Transcript - AOL.com — AOL.com neutral
- Compared to Estimates, The Bancorp (TBBK) Q1 Earnings: A Look at Key Metrics - Yahoo Finance — Yahoo Finance neutral
Generated 2026-05-20T21:06:21Z.
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·1 ceiling hit
No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Momentum 3.4/10 is below the 5.0 floor at $53.62 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Loan Portfolio: real estate bridge lending (31.0%). Chart setup: Death cross, below all MAs, RSI 28, MACD bearish. Prior stop was $50.72. Score 5.7/10, moderate confidence.
Take-profit target: $61.77 (+15.2% upside). Prior stop was $50.72. Stop-loss: $50.72.
Concentration risk — Loan Portfolio: Fintech Solutions deposits (91.0%); Concentration risk — Loan Portfolio: real estate bridge lending (31.0%); Consecutive earnings misses (3).
The Bancorp, Inc. trades at a P/E of 10.6 (forward 6.7). TrendMatrix value score: 8.7/10. 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.