ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Bancorp, Inc. (Delaware) ?
1
High Profitability with a Net Interest Margin of 23.78%
2
The Bank has a high Capital Adequacy Ratio of 14.60% signifying high buffers against its risk based assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.54%
4
Flat results in Dec 25
- NET SALES(HY) At USD 136.39 MM has Grown at -51.02%
5
With ROA of 1.34%, it has a very expensive valuation with a 3.25 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 0.82%, its profits have risen by 6% ; the PEG ratio of the company is 0.9
6
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Underperformed the market in the last 1 year
- The stock has generated a return of 0.82% in the last 1 year, much lower than market (S&P 500) returns of 18.34%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Bancorp, Inc. (Delaware) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Bancorp, Inc. (Delaware) for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
The Bancorp, Inc. (Delaware)
0.82%
1.29
50.02%
S&P 500
18.34%
0.95
19.22%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.75%
EBIT Growth (5y)
22.62%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
3.25
EV to EBIT
7.79
EV to EBITDA
7.70
EV to Capital Employed
2.86
EV to Sales
5.69
PEG Ratio
0.94
Dividend Yield
NA
ROCE (Latest)
36.69%
ROE (Latest)
33.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 296.64 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 87.16%
EPS(Q)
Highest at USD 1.28
-8What is not working for the Company
NET SALES(HY)
At USD 136.39 MM has Grown at -51.02%
Here's what is working for The Bancorp, Inc. (Delaware)
Operating Cash Flow
Highest at USD 296.64 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
EPS
Highest at USD 1.28
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 87.16%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for The Bancorp, Inc. (Delaware)
Net Sales
At USD 136.39 MM has Grown at -51.02%
Year on Year (YoY)MOJO Watch
Near term sales trend is very negative
Net Sales (USD MM)
Capital Adequacy Ratio
Lowest at 11.08%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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