TBBK Stock Analysis: Buy, Sell, or Hold?
TBBK - The Bancorp Inc.
$52.04
-2.52 (-4.62%)
▼
5d:
-6.32%
30d:
-11.18%
90d:
-5.9%
HOLD
MODERATE Confidence
Analysis Updated: Jun 3, 2026 12:00 AM ET
Earnings: Jul 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: TBBK shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: TBBK shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$127.24
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$79.01
34.1% 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 8.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TBBK is currently trading at $52.04, which is considered oversold relative to its 30-day fair value range of $53.73 to $58.87. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.5) compared to its historical average (8.1). Remarkably, the market is currently pricing in an annual earnings decline of 7.4% over the next few years. This pessimistic expectation contrasts with the company's recent 18.5% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, TBBK is in a downtrend. The price is currently testing key support at $51.95. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 4.6% recently.
Market Sentiment: TBBK has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $72.67 (+39.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, TBBK is in a downtrend. The price is currently testing key support at $51.95. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 4.6% recently.
Market Sentiment: TBBK has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $72.67 (+39.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$53.73 -
$58.87
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
52.4%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-4.6%)
- BULLISH: Trading 39.6% below Wall St target ($72.67)
- CAUTION: 5-day price weakness (-6.3%) - monitor closely
Trading Range Analysis
30-Day Trading Range
$53.73 -
$58.87
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$51.95
Resistance Level
$57.01
Current Trend
Downtrend
Technical data as of
Jun 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.45
Wall Street Target
$72.67
(+39.6%)
Revenue Growth (YoY)
4.1%
Earnings Growth (YoY)
18.5%
Profit Margin
43.5%
Valuation Discount vs History
-7.4% cheaper
PE vs Historical
6.5 vs 8.1
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.4%
(market-implied from PE analysis)
1-Year Target
$48.19
(-7%)
2-Year Target
$44.62
(-14%)
3-Year Target
$41.32
(-21%)
3-Yr Target (if PE normalizes)
(PE: 6→8)
$51.88
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 36.5%)
$449.43
(+764%)
Base:
(SPY PE: 6.5, Growth: 36.5%)
$132.33
(+154%)
Bear:
(PE: 5.5, Growth: 36.5%)
$112.48
(+116%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 10.81 | Current EPS (TTM): $5.14
Bull Case
$95.90
(+74%)
Analyst growth 56.9%, PE expands to 11.9
Base Case
$87.18
(+58%)
Market implied 56.9%, PE stable at 10.8
Bear Case
$37.77
(-31%)
Severe decline -20.0%, PE contracts to 9.2
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 6.5 to 8.1
Stabilization Target:
$65.34
(+25.6%)
PE Expansion Potential:
+25.6%
Share & Embed Analysis
Last updated: June 04, 2026 1:58 AM ET
Data refreshes hourly during market hours. Next update: 2:58 AM
Data refreshes hourly during market hours. Next update: 2:58 AM
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Technical Signals Check
Is TBBK showing a specific setup today?
Insider Activity (6 Months)
7
Buys
1
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Ryan Harris
SELL
4500 shares
2026-03-13
Matthew Cohn
BUY
230 shares
2026-02-12
Matthew Cohn
BUY
170 shares
2026-02-11
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