The Bancorp (TBBK) Stock: Buy, Sell, or Hold?
TBBK - The Bancorp Inc.
$50.86
-0.28 (-0.55%)
▼
5d:
+2.54%
30d:
+1.74%
90d:
-24.54%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Oct 29, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: TBBK shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: TBBK shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$121.52
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$75.45
32.6% 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 7.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TBBK is currently trading at $50.86, which is considered extended relative to its 30-day fair value range of $48.65 to $50.46. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.4) compared to its historical average (7.8). Remarkably, the market is currently pricing in an annual earnings decline of 6.5% over the next few years. This pessimistic expectation contrasts with the company's recent 14.2% 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 $51.37. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $76.00 (+49.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, TBBK is in a downtrend. The price is approaching resistance at $51.37. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 50/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $76.00 (+49.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$48.65 -
$50.46
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
51.0%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (50/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 49.4% below Wall St target ($76.00)
- WARNING: Composite score 45/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$48.65 -
$50.46
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$47.93
Resistance Level
$51.37
Current Trend
Downtrend
Technical data as of
Oct 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.36
Wall Street Target
$76.00
(+49.4%)
Revenue Growth (YoY)
0.4%
Earnings Growth (YoY)
14.2%
Profit Margin
43.6%
Valuation Discount vs History
-6.5% cheaper
PE vs Historical
6.4 vs 7.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.5%
(market-implied from PE analysis)
1-Year Target
$47.55
(-7%)
2-Year Target
$44.46
(-13%)
3-Year Target
$41.57
(-18%)
3-Yr Target (if PE normalizes)
(PE: 6→8)
$51.01
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 33.8%)
$380.40
(+648%)
Base:
(SPY PE: 6.4, Growth: 33.8%)
$121.77
(+139%)
Bear:
(PE: 5.4, Growth: 33.8%)
$103.51
(+104%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 9.38 | Current EPS (TTM): $5.45
Bull Case
$82.57
(+62%)
Analyst growth 46.8%, PE expands to 10.3
Base Case
$75.07
(+48%)
Market implied 46.8%, PE stable at 9.4
Bear Case
$34.78
(-32%)
Severe decline -20.0%, PE contracts to 8.0
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 6.4 to 7.8
Stabilization Target:
$62.40
(+22.7%)
PE Expansion Potential:
+22.7%
Share & Embed Analysis
Last updated: October 23, 2026 9:52 PM ET
Data refreshes hourly during market hours. Next update: 10:52 PM
Data refreshes hourly during market hours. Next update: 10:52 PM
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Technical Signals Check
Is TBBK showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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