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Stock Ratings / Financials / TBBK / dividends
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The Bancorp Inc (TBBK) Dividend Safety Gauge & 10-Year DRIP Compounder

$46.17 -1.24% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.98

The Bancorp Inc (TBBK) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $1.88B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TBBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, The Bancorp Inc (NASDAQ: TBBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $46.17 (-1.24% 1D, market cap $1.88B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, TBBK ranks #422 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TBBK compare to GABC and DCOM in the Financials sector?
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Within the Financials sector (Major Banks), TBBK carries a Roarable C- (59/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 33.1%. By comparison, GABC (German American Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 16.5x, ROIC 9.7%, cap $1.89B) and DCOM (Dime Commercial Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 16.9x, ROIC 7.5%, cap $1.87B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TBBK?
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Per TBBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001295401), The Bancorp Inc generated $3.93B in revenue (+7.2% YoY), $228.2M in net income, and $257.9M in free cash flow against $9.35B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $45.98 (-0.41%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 6.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510059
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk D
Cash (18)Whales (4)SEC (13)Macro (7)CEO (17)
Each axis scored 0–20
12M PRICE TARGET CONE+0.5% Base Target
$77 Bull$46 Base$36 Bear
📬 FREE TBBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TBBK)Realized 20D OHLCV Swing Band: ±6.5%
Deterministic 5-Pillar Attribution (59/100 Composite)
🔍 WHY TBBK SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (31% of score)

SEC XBRL FY 2025 (10-K): 6.6% FCF Margin ($257.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
67
Grade B-$48.39+3.2% Next Q
Q2 (-2Q)
64
Grade C+$49.93+1% Next Q
Q3 (-1Q)
62
Grade C+$50.42-8.4% Next Q
Current
59
Grade C-$46.17+0.2% Hist 90D α
Trajectory: B- (67) → C- (59)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TBBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, TBBK faces multiple-compression risk if 9.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($52.48) or 200D SMA ($58.17) invalidates the momentum regime and cuts Target Base ($46.38) toward Bear Floor ($36.18).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TBBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “TBBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 59%NO 41%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in TBBK & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on TBBK and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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TBBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -22.51%🛡️ HOLDING TREND SUPPORT
2026-11-04O $46.75H $46.75L $46.17C $46.17VOL 1.05M
RES: $64.65SUP: $45.70SMA50: $52.48SMA200: $58.17
$74.90$67.11$59.33$51.54$43.75RES $64.65SUP $45.70$46.172026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TBBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TBBK Butterfly Map → + Track TBBK →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-3.2%/yr Implied 5Y Growth

vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on TBBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TBBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for TBBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TBBK)

Financials Rank #422 of 1097 ⚔️ GABC vs TBBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (TBBK vs. GABC, DCOM, OCFC, STBA)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, The Bancorp Inc (TBBK) ranks #422 by composite RQD confidence (59/100, grade C-) and #433 by equity capitalization ($1.88B). Within this direct 5-issuer industry benchmark cohort, TBBK leads on earnings valuation at 9.0x trailing P/E, while TBBK leads on capital efficiency and profitability with 33.1% ROIC and — gross margin. DCOM currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with TBBK at 59/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
TBBK ACTIVE
The Bancorp Inc
C- 59/100 9.0x — 33.1% -1.24% $1.88B Benchmark Subject
GABC
German American Bancorp Inc.
C+ 67/100 16.5x — 9.7% +2.62% $1.89B /gabc-vs-tbbk →
DCOM
Dime Commercial Bancshares Inc.
B- 70/100 16.9x — 7.5% +2.20% $1.87B /dcom-vs-tbbk →
OCFC
OceanFirst Financial Corp.
D+ 54/100 26.1x — 4.0% +4.07% $1.84B /ocfc-vs-tbbk →
STBA
S&T Bancorp Inc.
C+ 66/100 13.4x — 9.2% +2.93% $1.83B /stba-vs-tbbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001295401 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), The Bancorp Inc (TBBK) reported GAAP revenue of $3.93B (+7.2% vs. FY2024 revenue of $3.67B , and +353.9% cumulative change since FY2023) , GAAP net income of $228.2M, operating cash flow of $265.0M, and free cash flow of $257.9M (+25.9% YoY). On the balance sheet, TBBK closed FY2025 with $9.35B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $3.93B $228.2M $265.0M $257.9M $9.35B —
FY2024 (FY) 2024-12-31 $3.67B $217.5M $209.9M $204.9M $8.73B —
FY2023 (FY) 2023-12-31 $865.4M $192.3M $186.9M $186.9M — —

3. TBBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TBBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, The Bancorp Inc (NASDAQ: TBBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $46.17 (-1.24% 1D, market cap $1.88B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 17/20. Across 1097 tracked Financials issuers, TBBK ranks #422 in composite RQD confidence.

How does TBBK compare to GABC and DCOM in the Financials sector?

Within the Financials sector (Major Banks), TBBK carries a Roarable C- (59/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 33.1%. By comparison, GABC (German American Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 16.5x, ROIC 9.7%, cap $1.89B) and DCOM (Dime Commercial Bancshares Inc.) posts a B- grade (70/100 RQD, P/E 16.9x, ROIC 7.5%, cap $1.87B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TBBK?

Per TBBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001295401), The Bancorp Inc generated $3.93B in revenue (+7.2% YoY), $228.2M in net income, and $257.9M in free cash flow against $9.35B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TBBK trading relative to its 50-day, 200-day, and 52-week technical levels?

TBBK last traded at $46.17 (-1.24% on volume of 1,054,297 shares), positioning the stock -12.02% below its 50-day simple moving average ($52.48) and -20.63% below its 200-day simple moving average ($58.17). Across its 52-week range of $46.17 to $73.02, TBBK sits at the 0.0% percentile with a 14-day RSI of 37.7 (NEUTRAL RANGE) and an implied next-earnings move of ±6.5% ($43.17 to $49.17).

Direct Sub-Reports: TBBK RQD Cockpit TBBK 12M Forecast TBBK Earnings & Move TBBK Dividends & DRIP TBBK Insiders & 13F TBBK Whale Options TBBK Profit Sankey TBBK News & Why
ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ SEC XBRL & RQD VERIFIED

TBBK — The Bancorp Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

The Bancorp Inc (TBBK) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $46.17 (-1.24% 1D, market capitalization $1.88B).

  • Fundamental Cash Engine (18/20): Anchored by return on invested capital (ROIC) of 33.1%, gross margin of —, operating margin of —, and free cash flow yield of 12.52%.
  • Whale 13F & Options Flow (4/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

The Bancorp Inc (TBBK) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. It operates in the Major Banks industry. Per the recent news wire, the company launched Finetics®, described as a bank-led embedded finance solution.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), The Bancorp Inc (TBBK) reported $3.93B in annual revenue (up from $3.67B in FY2024, +7.2% YoY) and $228.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($865.4M revenue, $192.3M net income) through FY2025, TBBK scaled operating cash flow to $265.0M and free cash flow to $257.9M, backed by $9.35B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 59/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 18/20 and Institutional Whale Flow at 4/20, sustained execution supports upside toward the upper end of the $46.17 – $73.02 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 9.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies, butterfly links, or proprietary signals are recorded for TBBK. Sector correlations and 2nd-order bottlenecks are — The only sector-level context is the Financials / Major Banks classification and the beta of 1.0 per the market data.

  • Key Question #1: Can TBBK sustain or expand its — operating margin and 33.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $3.93B and free cash flow of $257.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is TBBK's 8.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

TBBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for The Bancorp Inc (TBBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TBBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TBBK Bull vs. Bear Conversation Board — What's Your Call at $46.17?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TBBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on TBBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $58.91 (+26.0%)
📌 Pinned Debate

Strong cash generation, with ROIC of 33.1% and FCF yield of 12.52%, sits alongside a low 9.0x TTM P/E.

Long TBBK at $46.75 targeting $58.91. Strong cash generation, with ROIC of 33.1% and FCF yield of 12.52%, sits alongside a low 9.0x TTM P/E.. Institutional whale score is 4/20 and the risk/reward vs. the $46.45 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@BreakoutHunter Agree on the RQD 59/100 quality, though with 1.0 beta I'm scaling in with half-size at $46.75 and keeping dry powder in case we test $43.48.

BE BearTrap_Alert RQD DEBATE OPENER • Cycle Peak Watcher 🐻 BEARISH 🎯 Target: $35.53 (-24.0%)
Spot @ $46.75

A reported Q3 2026 sales miss, weak institutional whale flow (6/20), and no analyst coverage leave the rating at only a cautious neutra

Here is the bear case nobody on the bull side wants to address on TBBK: A reported Q3 2026 sales miss, weak institutional whale flow (6/20), and no analyst coverage leave the rating at only a cautious neutral.. At 9.0x trailing P/E, even a small guidance miss in Major Banks triggers a 12-15% air pocket.

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