The Bancorp (FRA:BB7) Cyclically Adjusted Book per Share: €10.74 (As of Jun. 2026)

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FRA:BB7 The Bancorp Inc FRA:BB7
59 GF Score
Price €56.50
GF Value €62.55
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is The Bancorp Cyclically Adjusted Book per Share?

The Bancorp FRA:BB7 -0.88% 59 Cyclically Adjusted Book per Share is €10.74 as of Jun. 2026. GuruFocus rates FRA:BB7 with a GF Score™ of 59/100 and a GF Value™ of €62.55 (Modestly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

The Bancorp's adjusted book value per share for the three months ended in Jun. 2026 was €14.706. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €10.74 for the trailing ten years ended in Jun. 2026.

During the past 12 months, The Bancorp's average Cyclically Adjusted Book Growth Rate was -100.00% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 6.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.10% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 2.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of The Bancorp was 7.30% per year. The lowest was -5.10% per year. And the median was 0.85% per year.

As of today (2026-08-10), The Bancorp's current stock price is €56.50. The Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €10.74. The Bancorp's Cyclically Adjusted PB Ratio of today is 5.26.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of The Bancorp was 6.53. The lowest was 0.47. And the median was 2.40.


The Bancorp  (FRA:BB7) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

The Bancorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=56.50/10.74
=5.26

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of The Bancorp was 6.53. The lowest was 0.47. And the median was 2.40.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


The Bancorp Cyclically Adjusted Book per Share Related Terms


The Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for The Bancorp's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The Bancorp Cyclically Adjusted Book per Share Chart

The Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 10.43

The Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 10.43 10.12 10.74

FRA:BB7 vs TRMK, NBTB, FRME: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, The Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


The Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, The Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where The Bancorp's Cyclically Adjusted PB Ratio falls into.


FRA:BB7
59GF Score
The Bancorp Inc FRA:BB7
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, The Bancorp's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=14.706/333.9520*333.9520
=14.706

Current CPI (Jun. 2026) = 333.9520.

The Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201609 5.461 241.428 7.554
201612 5.123 241.432 7.086
201703 5.204 243.801 7.128
201706 5.284 244.955 7.204
201709 5.108 246.819 6.911
201712 4.912 246.524 6.654
201803 4.760 249.554 6.370
201806 5.046 251.989 6.687
201809 5.950 252.439 7.871
201812 6.334 251.233 8.419
201903 6.814 254.202 8.952
201906 7.141 256.143 9.310
201909 7.725 256.759 10.047
201912 7.658 256.974 9.952
202003 7.864 258.115 10.175
202006 8.225 257.797 10.655
202009 8.233 260.280 10.563
202012 8.286 260.474 10.623
202103 8.756 264.877 11.039
202106 8.943 271.696 10.992
202109 9.459 274.310 11.516
202112 10.065 278.802 12.056
202203 10.363 287.504 12.037
202206 10.922 296.311 12.309
202209 11.928 296.808 13.421
202212 11.764 296.797 13.237
202303 12.241 301.836 13.543
202306 12.678 305.109 13.876
202309 13.458 307.789 14.602
202312 13.914 306.746 15.148
202403 14.380 312.332 15.375
202406 14.651 314.175 15.573
202409 15.231 315.301 16.132
202412 15.942 315.605 16.869
202503 16.336 319.799 17.059
202506 16.122 322.561 16.691
202509 14.889 324.800 15.309
202512 13.908 324.054 14.333
202603 14.402 330.213 14.565
202606 14.706 333.952 14.706

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €10.74 mean?
The Bancorp (FRA:BB7) has a Cyclically Adjusted Book per Share of €10.74 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on The Bancorp and its competitors.
Is The Bancorp's Cyclically Adjusted Book per Share too high?
The Bancorp's current Cyclically Adjusted Book per Share is €10.74. Overall, The Bancorp has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Bancorp's Cyclically Adjusted Book per Share compare to TRMK and NBTB?
The Bancorp's Cyclically Adjusted Book per Share of €10.74 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on The Bancorp and its competitors. The Bancorp's current Cyclically Adjusted Book per Share is €10.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Bancorp stock overvalued right now?
Based on GuruFocus' analysis, The Bancorp (FRA:BB7) is currently considered Modestly Undervalued. The stock's GF Value™ is €62.55, compared to a current price of €56.50 — trading 9.7% below its estimated fair value. The current Cyclically Adjusted Book per Share is €10.74. The Bancorp's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For The Bancorp (FRA:BB7), the current Cyclically Adjusted Book per Share is €10.74 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is The Bancorp (FRA:BB7) Overvalued in 2026?

Based on GuruFocus' analysis, The Bancorp stock appears to be undervalued. The current stock price of €56.50 is trading 9.7% below its estimated GF Value™ of €62.55. GuruFocus considers The Bancorp to be Modestly Undervalued.

Key valuation signals for FRA:BB7:

  • Cyclically Adjusted Book per Share: €10.74
  • GF Value™: €62.55 vs. price of €56.50 (9.7% below fair value)
  • GF Score™: 59/100 with 3 warning signs

No single metric tells the full story. See the FRA:BB7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


The Bancorp Business Description

Other Exchanges TBBK:USA
Address 409 Silverside Road, Wilmington, DE, USA, 19809
The Bancorp Inc is a financial holding company. The Company's operations are classified under three segments: fintech, Credit Solutions (three sub-segments), and corporate. The fintech segment includes the deposit balances and non-interest income generated by prepaid, debit, and other card-accessed accounts, ACH processing, and other payments-related processing. It also includes loan balances and interest and non-interest income from credit products generated through payment relationships; Credit Solutions includes REBL (real estate bridge lending), comprised of apartment building rehabilitation loans, and Others; Corporate includes the Company's investment securities, corporate overhead, and expenses which have not been allocated to segments.
59GF Score

Get the complete analysis for FRA:BB7

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€56.50
Price
€62.55
GF Value