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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 32.84
TBBK's Cash to Debt is ranked higher than
86% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. TBBK: 32.84 )
TBBK' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 32.84

Equity to Asset 0.08
TBBK's Equity to Asset is ranked higher than
60% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TBBK: 0.08 )
TBBK' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.19
Current: 0.08

0.05
0.19
Interest Coverage 3.62
TBBK's Interest Coverage is ranked higher than
86% of the 1857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.31 vs. TBBK: 3.62 )
TBBK' s 10-Year Interest Coverage Range
Min: 0.15   Max: 3.62
Current: 3.62

0.15
3.62
F-Score: 5
Z-Score: 0.13
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) -4.67
TBBK's Operating margin (%) is ranked higher than
50% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. TBBK: -4.67 )
TBBK' s 10-Year Operating margin (%) Range
Min: -639.25   Max: 42.24
Current: -4.67

-639.25
42.24
Net-margin (%) -14.14
TBBK's Net-margin (%) is ranked lower than
51% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.86 vs. TBBK: -14.14 )
TBBK' s 10-Year Net-margin (%) Range
Min: -331.02   Max: 25.35
Current: -14.14

-331.02
25.35
ROE (%) -6.72
TBBK's ROE (%) is ranked lower than
51% of the 2055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.65 vs. TBBK: -6.72 )
TBBK' s 10-Year ROE (%) Range
Min: -23.76   Max: 8.82
Current: -6.72

-23.76
8.82
ROA (%) -0.53
TBBK's ROA (%) is ranked higher than
50% of the 2059 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. TBBK: -0.53 )
TBBK' s 10-Year ROA (%) Range
Min: -2.52   Max: 1.11
Current: -0.53

-2.52
1.11
ROC (Joel Greenblatt) (%) -48.32
TBBK's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 2025 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.88 vs. TBBK: -48.32 )
TBBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -199.08   Max: 299.19
Current: -48.32

-199.08
299.19
Revenue Growth (3Y)(%) 11.50
TBBK's Revenue Growth (3Y)(%) is ranked higher than
92% of the 1736 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. TBBK: 11.50 )
TBBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 30
Current: 11.5

0
30
EBITDA Growth (3Y)(%) 37.50
TBBK's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. TBBK: 37.50 )
TBBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 75.2
Current: 37.5

0
75.2
» TBBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

TBBK Guru Trades in Q1 2014

Jim Simons 75,848 sh (+65.61%)
Michael Price 250,000 sh (-20.63%)
Donald Yacktman 194,450 sh (-63.29%)
» More
Q2 2014

TBBK Guru Trades in Q2 2014

Paul Tudor Jones 37,200 sh (New)
Richard Snow 27,864 sh (New)
Michael Price 650,000 sh (+160%)
Michael Price 650,000 sh (unchged)
Jim Simons Sold Out
Donald Yacktman 161,050 sh (-17.18%)
» More
Q3 2014

TBBK Guru Trades in Q3 2014

Richard Snow 204,145 sh (+632.65%)
Michael Price 750,000 sh (+15.38%)
Donald Yacktman 161,050 sh (unchged)
Paul Tudor Jones 16,800 sh (-54.84%)
» More
Q4 2014

TBBK Guru Trades in Q4 2014

Arnold Schneider 59,379 sh (New)
Richard Snow 354,790 sh (+73.79%)
Paul Tudor Jones Sold Out
Donald Yacktman 157,050 sh (-2.48%)
Michael Price 407,500 sh (-45.67%)
» More
» Details

Insider Trades

Latest Guru Trades with TBBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2014-12-31 Reduce -45.67%0.37%$8.11 - $10.96 $ 9.340%407500
Arnold Schneider 2014-12-31 New Buy0.08%$8.11 - $10.96 $ 9.340%59379
Richard Snow 2014-12-31 Add 73.79%0.05%$8.11 - $10.96 $ 9.340%354790
Michael Price 2014-09-30 Add 15.38%0.11%$8.6 - $11.99 $ 9.34-5%750000
Richard Snow 2014-09-30 Add 632.65%0.05%$8.6 - $11.99 $ 9.34-5%204145
Richard Snow 2014-06-30 New Buy0.01%$11.37 - $19.54 $ 9.34-40%27864
Michael Price 2014-03-31 Reduce -20.63%0.15%$17.47 - $20.05 $ 9.34-50%250000
Donald Yacktman 2014-03-31 Reduce -63.29%0.02%$17.47 - $20.05 $ 9.34-50%194450
Donald Yacktman 2013-12-31 Reduce -34.96%0.02%$16.14 - $18.88 $ 9.34-47%529745
Yacktman Fund 2013-12-31 Sold Out 0.01%$16.14 - $18.88 $ 9.34-47%0
Donald Yacktman 2013-09-30 Reduce -66.1%0.11%$14.83 - $18.26 $ 9.34-42%814442
Yacktman Fund 2013-09-30 Reduce -91.28%0.11%$14.83 - $18.26 $ 9.34-42%66288
Yacktman Focused Fund 2013-09-30 Sold Out 0.06%$14.83 - $18.26 $ 9.34-42%0
Yacktman Focused Fund 2013-03-31 Reduce -55.79%0.07%$10.45 - $13.98 $ 9.34-24%336000
Michael Price 2012-12-31 Add 25%0.09%$10.67 - $12.25 $ 9.34-18%300000
Yacktman Focused Fund 2012-12-31 Add 126.19%0.07%$10.67 - $12.25 $ 9.34-18%760000
John Keeley 2012-09-30 Sold Out 0.0043%$9.01 - $10.35 $ 9.34-2%0
John Keeley 2012-03-31 New Buy$7.3 - $10.15 $ 9.3416%20000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Top Ranked Articles about The Bancorp Inc

Top Insider Buys of the Week all from the Finance Sector
Over the past week there were several companies reporting smaller insider buys along some large insider sells. The following insiders reported the largest insider buys over the past week. These transactions were judged based on the number of insiders buying, transaction amount and the amount of shares being purchased Read more...

Ratios

vs
industry
vs
history
Forward P/E 14.58
TBBK's Forward P/E is ranked higher than
79% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.48 vs. TBBK: 14.58 )
N/A
PE(NRI) 103.80
TBBK's PE(NRI) is ranked higher than
64% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.90 vs. TBBK: 103.80 )
TBBK' s 10-Year PE(NRI) Range
Min: 11.22   Max: 249.33
Current: 103.8

11.22
249.33
P/B 0.99
TBBK's P/B is ranked higher than
85% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. TBBK: 0.99 )
TBBK' s 10-Year P/B Range
Min: 0.23   Max: 2.74
Current: 0.99

0.23
2.74
P/S 1.57
TBBK's P/S is ranked higher than
94% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.65 vs. TBBK: 1.57 )
TBBK' s 10-Year P/S Range
Min: 0.69   Max: 14.33
Current: 1.57

0.69
14.33
PFCF 6.14
TBBK's PFCF is ranked higher than
92% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TBBK: 6.14 )
TBBK' s 10-Year PFCF Range
Min: 2.45   Max: 169.5
Current: 6.14

2.45
169.5
POCF 5.37
TBBK's POCF is ranked higher than
92% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.77 vs. TBBK: 5.37 )
TBBK' s 10-Year POCF Range
Min: 2.08   Max: 48.43
Current: 5.37

2.08
48.43
EV-to-EBIT -3.74
TBBK's EV-to-EBIT is ranked lower than
63% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.30 vs. TBBK: -3.74 )
TBBK' s 10-Year EV-to-EBIT Range
Min: -117.1   Max: 379.7
Current: -3.74

-117.1
379.7
Days Sales Outstanding 23.95
TBBK's Days Sales Outstanding is ranked higher than
93% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TBBK: 23.95 )
TBBK' s 10-Year Days Sales Outstanding Range
Min: 22.4   Max: 63.19
Current: 23.95

22.4
63.19

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
TBBK's Price/Tangible Book is ranked higher than
87% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. TBBK: 1.01 )
TBBK' s 10-Year Price/Tangible Book Range
Min: 0.42   Max: 2.8
Current: 1.01

0.42
2.8
Price/DCF (Projected) 0.61
TBBK's Price/DCF (Projected) is ranked higher than
89% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TBBK: 0.61 )
TBBK' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 2.36
Current: 0.61

0.37
2.36
Price/Median PS Value 0.55
TBBK's Price/Median PS Value is ranked higher than
98% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. TBBK: 0.55 )
TBBK' s 10-Year Price/Median PS Value Range
Min: 0.41   Max: 4.86
Current: 0.55

0.41
4.86
Price/Peter Lynch Fair Value 5.62
TBBK's Price/Peter Lynch Fair Value is ranked higher than
87% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. TBBK: 5.62 )
TBBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 5.17   Max: 16.33
Current: 5.62

5.17
16.33
Price/Graham Number 1.17
TBBK's Price/Graham Number is ranked higher than
75% of the 2692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. TBBK: 1.17 )
TBBK' s 10-Year Price/Graham Number Range
Min: 0.92   Max: 3.37
Current: 1.17

0.92
3.37
Earnings Yield (Greenblatt) -26.70
TBBK's Earnings Yield (Greenblatt) is ranked lower than
52% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. TBBK: -26.70 )
TBBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 537.8
Current: -26.7

0.3
537.8
Forward Rate of Return (Yacktman) 27.84
TBBK's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. TBBK: 27.84 )
TBBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.2   Max: 28.9
Current: 27.84

1.2
28.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
The Bancorp Inc is a Delaware corporation and a registered financial holding company. Its primary subsidiary is a wholly owned subsidiary bank, The Bancorp Bank. The Bank is a Delaware chartered commercial bank located in Wilmington, Delaware and is a Federal Deposit Insurance Corporation (FDIC) insured institution. The Company through its subsidiary provides commercial and retail banking services and related other banking services. The Company provides services in the areas of Philadelphia-Wilmington metropolitan area, consisting of the 12 counties surrounding Philadelphia, Pennsylvania and Wilmington, Delaware including Philadelphia, Delaware, Chester, Montgomery, Bucks and Lehigh Counties in Pennsylvania, New Castle County in Delaware and Mercer, Burlington, Camden, Ocean and Cape May Counties in New Jersey. It provides its services to organizations with a pre-existing customer base that could use one or more selected banking services tailored to support or complement the services provided by these organizations to their customers. The Affinity Banking services include private label banking including institutional banking; credit and debit card processing for merchants affiliated with independent service organizations; healthcare savings accounts for healthcare providers and third-party plan administrators; and prepaid cards, also known as stored value cards, for general purpose card sponsors, insurers, incentive plans, large retail chains, consumer service organizations and others. The Company's Commercial banking operations offers Deposit Products and Services including; checking accounts, savings accounts, healthcare accounts, money market accounts, commercial accounts, certificates of deposit; and prepaid and payroll cards. The Company also engaged in lending activities including; commercial term lending, commercial mortgage lending and also provides loan including; constriction loan, 1-4 Family Construction Loans, Commercial Construction, Acquisition and Development, Consumer loans; and also provides Direct Lease Financing. The Company faces competition from Internet-based banks, and from banks, such as Capital One 360 and E-Trade Bank, that provide Internet banking services as part of their overall banking environment. It's Competitors for loans and regional deposits are mid-Atlantic regional banks such as Citizens Bank, Sovereign Bank, TD Bank, M&T Bank and Republic Bank. The Company and the Bank are subject to regulation by certain state and federal agencies and, accordingly, they are examined periodically by those regulatory authorities.
» More Articles for TBBK

Headlines

Articles On GuruFocus.com
Top Insider Buys of the Week all from the Finance Sector Jun 20 2014 
Yacktman Focused Fund's Third Quarter Sells Oct 17 2013 
The Bancorp (TBBK) High Cash Stock Review Jun 11 2010 
The Bancorp Inc (TBBK) CEO Betsy Z Cohen buys 25,000 Shares Nov 18 2009 
The Bancorp, Inc. Reports Fourth Quarter and Fiscal 2008 Results Jan 30 2009 

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