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Upturn AI SWOT - About
TBBK 
The Bancorp Inc (TBBK)
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Upturn Advisory Summary
03/06/2025: TBBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -24.18% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/06/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.57B USD | Price to earnings Ratio 12.48 | 1Y Target Price 69 |
Price to earnings Ratio 12.48 | 1Y Target Price 69 | ||
Volume (30-day avg) 541957 | Beta 1.59 | 52 Weeks Range 29.92 - 65.84 | Updated Date 04/1/2025 |
52 Weeks Range 29.92 - 65.84 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.29 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 43.91% | Operating Margin (TTM) 60.56% |
Management Effectiveness
Return on Assets (TTM) 2.65% | Return on Equity (TTM) 27.24% |
Valuation
Trailing PE 12.48 | Forward PE - | Enterprise Value 2618795264 | Price to Sales(TTM) 5.2 |
Enterprise Value 2618795264 | Price to Sales(TTM) 5.2 | ||
Enterprise Value to Revenue 5.08 | Enterprise Value to EBITDA - | Shares Outstanding 48067200 | Shares Floating 44950884 |
Shares Outstanding 48067200 | Shares Floating 44950884 | ||
Percent Insiders 4.06 | Percent Institutions 106.45 |
Analyst Ratings
Rating 4 | Target Price 63.33 | Buy 3 | Strong Buy - |
Buy 3 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
The Bancorp Inc
Company Overview
History and Background
The Bancorp, Inc. was founded in 1999 and is headquartered in Wilmington, Delaware. It operates as a financial holding company, offering banking and financial products and services.
Core Business Areas
- Payment Solutions: Provides payment processing solutions, including card issuing, merchant acquiring, and prepaid card programs.
- Banking Services: Offers commercial lending, leasing, and deposit services to businesses and individuals.
- Institutional Banking: Delivers banking and financial services to non-bank financial institutions, such as investment advisors, broker-dealers, and fintech companies.
Leadership and Structure
The company is led by Damian Kozlowski (CEO) and has a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Prepaid Cards: The Bancorp is a major player in the prepaid card market, offering solutions for payroll, government benefits, and general purpose reloadable cards. Market share data varies, but they are considered a leading issuer. Competitors include MetaBank (now Pathward), Green Dot, and Blackhawk Network. Hard to define exact market share because many card programs have multiple partners.
- Payment Processing Solutions: Offers payment processing services that allow businesses to accept and process electronic payments. Market share is smaller compared to larger processors like Fiserv and Global Payments, but they focus on specific niche segments. Competitors include Fiserv (FISV), Global Payments (GPN), and Block (SQ).
- Commercial Lending: Provides loans and leases to businesses. Competes with traditional banks and other commercial lenders. Specific market share is not publicly available, it is likely to be small but growing. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The financial services industry is highly competitive and heavily regulated. It's driven by technological innovation, changing consumer preferences, and economic conditions. Fintech companies are disrupting traditional models.
Positioning
The Bancorp positions itself as a provider of specialized banking and payment solutions, focusing on niche markets and partnerships with fintechs. It differentiates itself through technology and agility.
Total Addressable Market (TAM)
The TAM for payment solutions and commercial lending is substantial, estimated to be in the trillions of dollars globally. The Bancorp is positioned to capture a portion of this market through its niche focus and partnerships. Growth and market share is limited by the fact that they only partner with other firms as opposed to dealing direct with end users.
Upturn SWOT Analysis
Strengths
- Strong expertise in payment processing
- Partnerships with fintech companies
- Agile and innovative culture
- Diversified revenue streams
- Established market presence in niche areas
Weaknesses
- Smaller size compared to major banks
- Reliance on partnerships for distribution
- Higher cost of funds compared to larger institutions
- Vulnerability to regulatory changes impacting fintechs
Opportunities
- Expansion into new fintech segments
- Increased demand for digital payment solutions
- Growing partnerships with emerging fintech companies
- Geographic expansion
- Potential acquisitions to broaden service offerings
Threats
- Increased competition from larger banks and fintechs
- Regulatory changes impacting payment processing
- Economic downturn affecting loan demand
- Cybersecurity threats
- Technological disruptions in the financial industry
Competitors and Market Share
Key Competitors
- FISV
- GPN
- SQ
- PYPL
- DFS
Competitive Landscape
The Bancorp faces stiff competition from larger, more established players in the payment processing and banking industries. Its niche focus and partnerships provide a competitive advantage, but it must continue to innovate and adapt to stay ahead.
Major Acquisitions
None
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: Discuss The Bancorp Inc's growth trends over the past years.
Future Projections: Provide projections for The Bancorp Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by The Bancorp Inc.
Summary
The Bancorp is a specialized banking and payment solutions provider with a focus on fintech partnerships. Its strengths lie in its niche expertise and innovative culture, but it faces challenges from larger competitors and regulatory changes. The company's growth depends on its ability to expand its fintech partnerships and adapt to the evolving financial landscape. It needs to grow market share and improve profitability to be a real contender. There is a lot of work ahead to make the company successful.
Similar Companies
COF
Capital One Financial Corporation
COF
Capital One Financial Corporation
DFS
Discover Financial Services
DFS
Discover Financial Services
FISV
Fiserv Inc.
FISV
Fiserv Inc.
GPN
Global Payments Inc
GPN
Global Payments Inc
PATH
Uipath Inc
PATH
Uipath Inc
PYPL
PayPal Holdings Inc
PYPL
PayPal Holdings Inc
Sources and Disclaimers
Data Sources:
- SEC filings
- Company website
- Industry reports
- Financial news outlets
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimations and publicly available information, and might not be precise. The AI-based rating is an automated assessment and should be used as one factor among many when evaluating The Bancorp Inc.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About The Bancorp Inc
Exchange NASDAQ | Headquaters Wilmington, DE, United States | ||
IPO Launch date 2004-02-03 | CEO, President & Director Mr. Damian M. Kozlowski | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 771 | Website https://www.thebancorp.com |
Full time employees 771 | Website https://www.thebancorp.com | ||
The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, money market, and commercial accounts. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; financing to investment advisors; lease financing for commercial and government vehicle fleets, including trucks and other special purpose vehicles; commercial real estate bridge loans; and small business loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card loans, fixed term loans, payroll advances, and others. In addition, it offers automated clearing house (ACH) bill and other payment services; debit and prepaid card issuing services; card and bill payment, and ACH processing services; and account services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
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