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The BancorpTBBK +0.16%63 EV-to-OCF is 17.58 as of Sep. 22, 2026, which is 178% above its 10-year median of 6.32. GuruFocus rates TBBK with a GF Score™ of 63/100 and a GF Value™ of $64.45 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,489 Banks companies, The Bancorp ranks worse than 85.49% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, The Bancorp's Enterprise Value is $2,930.2 Mil.
The Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $166.7 Mil. Therefore, The Bancorp's EV-to-OCF for today is 17.58.
The historical rank and industry rank for The Bancorp's EV-to-OCF or its related term are showing as below:
TBBK'
s EV-to-OCF Range Over the Past 10 Years
Min: -98.01 Med: 6.32 Max: 20.06
Current: 17.58
During the past 13 years, the highest EV-to-OCF of The Bancorp was 20.06. The lowest was -98.01. And the median was 6.32.
TBBK's EV-to-OCF is ranked worse than 85.49% of 1489
companies
in the Banks industry
Industry Median: 4.16
vs TBBK: 17.58
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
The Bancorp's PE Ratio (TTM) for today is calculated as:
The Bancorp's share price for today is $50.28.
The Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $5.319.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
The Bancorp EV-to-OCF Related Terms
The Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for The Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, The Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, The Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where The Bancorp's EV-to-OCF falls into.
The Bancorp's current Enterprise Value is $2,930.2 Mil.
The Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $166.7 Mil.
* 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 (TBBK) has a EV-to-OCF of 17.58 as of Sep. 22, 2026. This is 178% above median its historical median of 6.32. According to the industry distribution chart, The Bancorp ranks #1273 out of 1489 companies in the Banks industry, placing it in the top 85.5%.
Is The Bancorp's EV-to-OCF too high?
The Bancorp's current EV-to-OCF of 17.58 is 178% above median its 10-year median of 6.32. The Banks industry median EV-to-OCF is 4.16. The Bancorp's value of 17.58 is 322.6% above this industry median. Based on the distribution chart, The Bancorp ranks #1273 out of 1489 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, The Bancorp has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Bancorp's EV-to-OCF compare to NBTB and TRMK?
According to the Banks industry distribution chart, The Bancorp ranks #1273 out of 1489 companies for EV-to-OCF. This places The Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.16. The Bancorp's value of 17.58 is 322.6% above this benchmark. While the company's 10-year median is 6.32 vs. the industry median of 4.16, The Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.16, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Bancorp's current EV-to-OCF of 17.58 is 322.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Bancorp's current EV-to-OCF is 17.58, which is 178% above median its own 10-year median of 6.32. 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 (TBBK) is currently considered Modestly Undervalued. The stock's GF Value™ is $64.45, compared to a current price of $50.28 — trading 22% below its estimated fair value. The current EV-to-OCF is 17.58, which is 178% above median its 10-year median of 6.32 and 322.6% above the Banks industry median of 4.16. The Bancorp's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For The Bancorp (TBBK), the current EV-to-OCF is 17.58 as of Sep. 22, 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 (TBBK) Overvalued in 2026?
Based on GuruFocus' analysis, The Bancorp stock appears to be undervalued.
The current stock price of $50.28 is trading 22% below its estimated GF Value™ of $64.45.
GuruFocus considers The Bancorp to be Modestly Undervalued.
Key valuation signals for TBBK:
EV-to-OCF: 17.58 (178% above median its 10-year median of 6.32)
GF Value™: $64.45 vs. price of $50.28 (22% below fair value)
Industry Position: 322.6% above the Banks median (#1273 of 1489)
No single metric tells the full story. See the TBBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
63GF Score
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