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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; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card 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; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 303.04M | 292.16M | 256.77M | 177.91M | 144.16M |
| Net income | 228.21M | 217.54M | 192.30M | 130.21M | 110.65M |
| Selling general administrative | 142.55M | 147.12M | 135.13M | 108.64M | 111.58M |
| Selling and marketing expenses | - | - | 0.98M | - | - |
| Gross profit | 512.77M | 495.38M | 447.82M | 354.52M | 315.62M |
| Reconciled depreciation | 4.65M | 4.16M | 3.12M | 3.30M | 3.30M |
| Ebit | 303.04M | 292.16M | 256.77M | 239.15M | 144.38M |
| Ebitda | 307.69M | 296.31M | 259.85M | 242.45M | 147.68M |
| Depreciation and amortization | 4.65M | 4.16M | 3.07M | 3.30M | 3.30M |
| Operating income | 303.04M | 292.16M | 256.77M | 239.15M | 144.38M |
| Other operating expenses | 387.43M | 417.95M | 354.83M | -115.38M | -171.25M |
| Interest expense | 175.86M | 175.35M | 155.46M | 59.53M | 11.24M |
| Tax provision | 74.82M | 74.62M | 65.29M | 47.70M | 33.72M |
| Interest income | 551.37M | 551.59M | 484.34M | 308.37M | 210.88M |
| Net interest income | 375.51M | 376.24M | 338.65M | 248.84M | 210.88M |
| Income tax expense | 74.82M | 74.62M | 64.48M | 47.70M | 33.72M |
| Total revenue | 690.46M | 710.11M | 611.60M | 354.52M | 315.62M |
| Total operating expenses | 209.73M | 203.22M | 191.04M | -115.38M | -171.25M |
| Cost of revenue | 177.69M | 214.72M | 163.78M | - | - |
| Total other income expense net | - | -3.37M | -22.82M | -61.23M | -0.21M |
| Discontinued operations | - | - | - | - | 0.21M |
| Net income from continuing ops | 228.21M | 217.54M | 188.51M | 130.21M | 110.44M |
| Net income applicable to common shares | - | - | - | 130.21M | 110.65M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 9352.42M | 8727.54M | 7712.01M | 7903.00M | 6843.24M |
| Intangible assets | 0.59M | 0.99M | 1.39M | 1.79M | 2.18M |
| Other current assets | - | - | 1092.57M | -1496.29M | 3766.55M |
| Total liab | 8662.63M | 7937.76M | 6904.73M | 7208.97M | 151.60M |
| Total stockholder equity | 689.80M | 789.78M | 807.28M | 694.03M | 652.45M |
| Other current liab | 8165.50M | 7746.05M | 6630.25M | - | - |
| Common stock | 48.40M | 47.71M | 53.20M | 55.69M | 57.37M |
| Capital stock | 48.40M | 47.71M | 53.20M | 55.69M | 57.37M |
| Retained earnings | 1007.37M | 779.15M | 561.62M | 369.32M | 239.11M |
| Other liab | - | - | - | 56.34M | 62.23M |
| Good will | 0.26M | 0.26M | 0.26M | 0.26M | 0.26M |
| Other assets | 7610.87M | 7129.21M | 0.00M | 89.18M | 96.97M |
| Cash | 112.65M | 570.12M | 1038.09M | 888.19M | 601.78M |
| Cash and equivalents | - | - | - | 888.19M | 601.78M |
| Total current liabilities | 8165.50M | 7746.05M | 6630.29M | 7030.15M | 5976.95M |
| Net debt | 110.72M | -446.43M | -890.23M | -765.71M | -450.18M |
| Short term debt | 199.00M | - | 0.04M | - | - |
| Short long term debt | - | - | - | 0.00M | 0.00M |
| Short long term debt total | 223.37M | 123.70M | 147.86M | 122.48M | 151.60M |
| Other stockholder equity | -376.81M | -19.45M | 212.43M | 299.28M | 349.69M |
| Property plant equipment | - | - | - | 18.40M | 16.16M |
| Total current assets | 175.61M | 1363.04M | 1092.57M | 822.08M | 2104.38M |
| Long term investments | 1671.75M | 1502.86M | 747.53M | 766.02M | 953.71M |
| Net tangible assets | - | - | - | 686.38M | 650.01M |
| Short term investments | 19.87M | 50.65M | 747.53M | 766.02M | 953.71M |
| Net receivables | 43.09M | 742.27M | 723.19M | 664.16M | 548.88M |
| Long term debt | 223.37M | 123.70M | 147.82M | 122.48M | 151.60M |
| Inventory | - | - | 1000.56M | 21.21M | 1.53M |
| Accounts payable | - | - | - | 7030.11M | 5976.91M |
| Accumulated other comprehensive income | 10.84M | -17.64M | -19.97M | -30.26M | 6.29M |
| Non currrent assets other | 971.12M | 273.26M | 5180.87M | -766.02M | -12.67M |
| Non current assets total | 9176.81M | 7364.50M | 6619.43M | 40.15M | 972.31M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -128.84M | -1510.24M | 502.50M | -828.10M | 240.55M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -1064.18M | -1508.36M | - | -828.10M | -305.90M |
| Net borrowings | 298.53M | 0.00M | - | - | - |
| Total cash from financing activities | 341.70M | 812.74M | -452.37M | 993.52M | 478.28M |
| Change to operating activities | - | - | - | -7.14M | -35.43M |
| Net income | 228.21M | 217.54M | 192.30M | 130.21M | 110.65M |
| Change in cash | -457.47M | -467.97M | 149.90M | 286.40M | 256.27M |
| Begin period cash flow | 570.12M | 1038.09M | 888.19M | 601.78M | 345.51M |
| End period cash flow | 112.65M | 570.12M | 1038.09M | 888.19M | 601.78M |
| Total cash from operating activities | 265.01M | 227.65M | 186.72M | 120.98M | 83.89M |
| Issuance of capital stock | 2.06M | 0.00M | 0.26M | 0.32M | 3.43M |
| Depreciation | 4.65M | 4.55M | 3.47M | 3.30M | 3.30M |
| Other cashflows from investing activities | -935.98M | -754.85M | - | 1.80M | 6.24M |
| Dividends paid | - | - | 3.27M | - | - |
| Change to account receivables | -1.38M | -4.18M | -5.53M | -14.13M | 2.59M |
| Sale purchase of stock | -378.34M | -252.35M | -100.00M | -60.00M | -40.00M |
| Other cashflows from financing activities | 419.45M | 1065.14M | -345.93M | 1053.20M | 514.85M |
| Change to netincome | - | - | - | 8.74M | 2.78M |
| Capital expenditures | 7.09M | 4.97M | 12.69M | 5.13M | 1.55M |
| Change in working capital | 23.65M | -31.42M | -31.52M | -21.28M | -32.84M |
| Stock based compensation | 19.60M | 14.98M | 11.39M | 7.59M | 8.63M |
| Other non cash items | -1.86M | 19.68M | 16.76M | -4.72M | -7.25M |
| Free cash flow | 257.92M | 222.68M | 174.03M | 115.85M | 82.34M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| TBBK The Bancorp Inc |
0.51 1.07% |
48.25 | 9.44 | 14.60 | 3.84 | 2.90 | 3.37 |
| DBSDY DBS Group Holdings Ltd ADR |
-6.82 3.06% |
215.88 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.02 0.06% |
34.57 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.81 0.94% |
85.79 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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; Small Business Administration loan; lease financing for commercial and government vehicle fleets; commercial real estate bridge loans, as well as consumer fintech loans comprising short-term extensions of credit, including secured credit card 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; account services; data processing services, check imaging, loan processing, electronic bill payment and statement rendering; call center customer support; access to automated teller machine networks; bank accounting and general ledger system; data warehousing services; and software development services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
409 Silverside Road, Wilmington, DE, United States, 19809
302 385 5000
733
| Name | Title | Year Born |
|---|---|---|
| Mr. Damian M. Kozlowski | CEO, Pres & Director | 1965 |
| Mr. Paul Frenkiel CPA | Exec. VP of Strategy, Sec., CFO & Principal Accounting Officer | 1952 |
| Mr. Gregor J. Garry | Exec. VP & COO | 1983 |
| Mr. Thomas G. Pareigat | Exec. VP & Gen. Counsel | 1960 |
| Mr. Matthew J. Wallace | Exec. VP & Chief Information Officer | NA |
| Mr. Andres Viroslav | Director of Investor Relations | NA |
| Mr. Rob Tacey | Director of PR | NA |
| Ms. Rachel Weiss | VP of Communications Mang. | NA |
| Ms. Maria Wainwright | Exec. VP & Chief Marketing Officer | NA |
| Ms. Jennifer F. Terry | Exec. VP & Chief HR Officer | NA |
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