TBBK

Bancorp

Fundamental data last updated:April 13, 2026

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

04/23/26

Business Summary

TBBK Bancorp operates as a regional banking institution generating revenue primarily through interest income, lending operations, and fee-based banking services. Its cash engine is driven by capturing net interest spreads while maintaining operating discipline strong enough to sustain a 33.10% margin. The firm’s competitive moat likely rests on specialized lending niches and relationship-based banking that allow it to extract high returns on invested capital, evidenced by its 44.30% ROIC. In regional banking, scale efficiencies, underwriting discipline, and funding cost control determine survivability—and when executed well, they produce durable, compounding cash flows.

VALUATION

P/E

11.9

Market Cap ($M USD)

$2,469

Forward P/E

7.2

PEG

0.2

PRICE TO SALES

3.9

PRICE TO BOOK

3.6

EV / EBITDA

-

5-Year Average P/E

DIVIDEND

Yield

-

Annual Payout

-

Payout Ratio

-

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

-

Financial Health & Profitability

Earnings Per Share

$4.99

Next Year EPS Growth Estimate

$8.10

Next Year Revenue Growth Estimate

1.90%

Return on Equity (ROE)

33.10%

Operating Margin

68.60%

Debt-to-Equity

0.3

Piotroski F-Score

5

Altman Z-Score

0.6

Return on Invested Capital (ROIC)

44.30%%

Current Ratio

-

Quick Ratio

Gainseekers Quantitative Analysis

Summary

TBBK Bancorp is trading at a clear valuation disconnect: a trailing P/E of 11.9 collapsing to a Forward P/E of 7.2, paired with an extremely low PEG Forward of 0.2, screams earnings inflection that the market is discounting too aggressively. On pure multiple compression, this looks statistically cheap relative to expected growth, yet the Altman Z-Score of 0.6 is a flashing distress signal that cannot be ignored. You have a company generating a 33.10% operating margin and 44.30% ROIC, yet the balance sheet risk profile is signaling fragility. This is a classic case of deep value optics clashing with structural risk flags—mispricing is possible, but the capital structure risk demands a margin of safety.

AI Exposure / Tech Reliance

As a regional bank operating on Nasdaq within Financial Services, TBBK Bancorp exists in a sector rapidly digitizing underwriting, fraud detection, and customer onboarding through AI-driven infrastructure. Banks that modernize risk analytics and automation can structurally defend margins like the current 33.10% level. The ability to integrate AI into credit modeling and cost control will be essential to sustaining its high ROIC profile in a competitive regional banking landscape.

The Bull Case

From a GARP lens, the numbers are compelling. A Forward P/E of 7.2 with a PEG of 0.2 suggests the market is underpricing forward earnings power relative to expected growth, and EPS next year estimated at $4.99 reinforces that earnings expansion narrative. Operating margin at 33.10% is robust for a regional bank, and a 44.30% ROIC signals exceptional capital allocation efficiency. Institutional ownership at 73.00% suggests serious capital is already involved, and a Piotroski F-Score of 5 indicates operational stability rather than deterioration. For investors willing to underwrite balance sheet volatility, this is a statistically attractive value-growth crossover setup.

The Bear Case

Now the problems. The Altman Z-Score of 0.6 is deep in distress territory, and Debt/Equity at 68.60% amplifies that risk, especially in a rate-sensitive banking environment. Return on Equity of just 1.90% is shockingly low relative to the 44.30% ROIC, raising questions about capital structure efficiency or earnings quality. The lack of dividend support (0.3 TTM yield, no payout ratio, no dividend growth) removes income downside protection, and several missing metrics like Short % of Float and Current Ratio limit visibility into liquidity and market sentiment. This is not a sleep-well-at-night bank; it is a leveraged bet on earnings durability.

Market Sentiment & Smart Money

Short Interest %

11.30%

Analyst Consensus

2

Average Analyst Price Target

$73.00

Institutional Ownership %

108.10%

1-Year Beta

1.52

Insider Buying % (6 Mo)

4.20%%

Distance to 52-Week High

71.70%%

Distance to 52-Week Low

141.20%%