The Bancorp (TBBK) Stock: Buy, Sell, or Hold?
TBBK - The Bancorp Inc.
$48.81
-0.13 (-0.27%)
▼
5d:
-3.5%
30d:
-26.55%
90d:
-24.84%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 29, 2026
25d
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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
$123.07
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$76.42
36.1% 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 7.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TBBK is currently trading at $48.81, which is considered slightly low relative to its 30-day fair value range of $47.83 to $63.43. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.1) compared to its historical average (7.9). Remarkably, the market is currently pricing in an annual earnings decline of 8.3% 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 showing sideways momentum. Immediate support is located at $47.01, while resistance sits at $51.47.
Market Sentiment: TBBK scores 78/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $80.67 (+65.3%). 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 showing sideways momentum. Immediate support is located at $47.01, while resistance sits at $51.47.
Market Sentiment: TBBK scores 78/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $80.67 (+65.3%). 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
SLIGHTLY LOW
Historical Trading Range
$47.83 -
$63.43
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
90.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (78/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 65.3% below Wall St target ($80.67)
- CAUTION: Bottoming setup, but lagging the sector by 42% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$47.83 -
$63.43
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$47.01
Resistance Level
$51.47
Current Trend
Sideways
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.10
Wall Street Target
$80.67
(+65.3%)
Revenue Growth (YoY)
0.4%
Earnings Growth (YoY)
14.2%
Profit Margin
43.6%
Valuation Discount vs History
-8.3% cheaper
PE vs Historical
6.1 vs 7.9
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.3%
(market-implied from PE analysis)
1-Year Target
$44.76
(-8%)
2-Year Target
$41.04
(-16%)
3-Year Target
$37.64
(-23%)
3-Yr Target (if PE normalizes)
(PE: 6→8)
$48.73
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 33.6%)
$389.43
(+698%)
Base:
(SPY PE: 6.1, Growth: 33.6%)
$116.47
(+139%)
Bear:
(PE: 5.2, Growth: 33.6%)
$99.00
(+103%)
📈
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: 9.05 | Current EPS (TTM): $5.41
Bull Case
$79.61
(+63%)
Analyst growth 47.9%, PE expands to 10.0
Base Case
$72.37
(+48%)
Market implied 47.9%, PE stable at 9.1
Bear Case
$33.28
(-32%)
Severe decline -20.0%, PE contracts to 7.7
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 6.1 to 7.9
Stabilization Target:
$63.20
(+29.5%)
PE Expansion Potential:
+29.5%
Share & Embed Analysis
Last updated: October 03, 2026 4:56 PM ET
Data refreshes hourly during market hours. Next update: 5:56 PM
Data refreshes hourly during market hours. Next update: 5:56 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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