The Bancorp, Inc. (Delaware) (TBBK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Atlantic Union Bankshares Corp.

First BanCorp (Puerto Rico)

First Hawaiian, Inc.

Pacific Premier Bancorp, Inc.

Eastern Bankshares, Inc.

EVERTEC, Inc.

Cathay General Bancorp

Bank of Hawaii Corp.

The Bancorp, Inc. (Delaware)

Independent Bank Corp. (Massachusetts)

CVB Financial Corp.

Why is The Bancorp, Inc. (Delaware) ?

High Profitability with a Net Interest Margin of 22.20%

The Bank has a high Capital Adequacy Ratio of 14.60% signifying high buffers against its risk based assets

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 28.67%

Flat results in Jun 25

GROSS NPA (%)(Q) Highest at 0.96%

With ROA of 1.25%, it has a expensive valuation with a 2.94 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 6.58%, its profits have risen by 9.5% ; the PEG ratio of the company is 0.5

High Institutional Holdings at 100%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Real-Time Research Report

Verdict Report

How 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)

15.68%

2.13

46.53%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

23.52%

EBIT Growth (5y)

24.34%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.94

EV to EBIT

4.49

EV to EBITDA

4.42

EV to Capital Employed

-4.44

EV to Sales

2.36

PEG Ratio

0.49

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

26.72%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 355.82 MM

NII(Q)

Highest at USD 97.49 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 84.16%

NET SALES(Q)

Highest at USD 143.15 MM

OPERATING PROFIT(Q)

Highest at USD 81.51 MM

OPERATING PROFIT MARGIN(Q)

Highest at 56.94 %

PRE-TAX PROFIT(Q)

Highest at USD 81.51 MM

NET PROFIT(Q)

Highest at USD 61.22 MM

EPS(Q)

Highest at USD 1.27

-2What is not working for the Company

GROSS NPA (%)

Here's what is working for The Bancorp, Inc. (Delaware)

Operating Cash Flow

Highest at USD 355.82 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

NII

Highest at USD 97.49 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 143.15 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 81.51 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 56.94 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 81.51 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 61.22 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.27

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 84.16%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

CASA

Highest at 14.42%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for The Bancorp, Inc. (Delaware)

Non Performing Loans (%)

Highest at 0.96%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)