The Bancorp, Inc. (TBBK) Stock Defies Premarket Drop, Rises 1.1% on Buyback Guidance

Shares of The Bancorp, Inc. (TBBK) fluctuated on Friday, ultimately rising 1.12% to $67.29 by midday. The resilience follows a fourth-quarter report that saw the bank miss both top and bottom-line estimates. Despite the miss, a record 30.4% return on equity (ROE) and management’s forecast of $200 million in 2026 buybacks provided support. The stock continues to trade in the lower half of its 52-week range of $40.51 to $81.65.

Company Description

The Bancorp, Inc. (TBBK) is a leading financial enabler for the fintech industry, ranking as the top U.S. issuer of prepaid cards. It provides “bank-as-a-service” (BaaS) infrastructure, payment processing, and specialized lending services. Its business model leverages high-volume fintech transaction fees and a low-cost deposit base to drive industry-leading profitability metrics.

Current Stock Price

$67.29

Market Capitalization

$2.97 billion

Valuation

TBBK trades at a forward P/E of 11.4x based on its newly initiated FY2026 EPS guidance of $5.90. This valuation reflects a persistent “fintech discount” as investors weigh the bank’s ambitious 2027 EPS target of $8.25 against near-term net interest margin (NIM) compression.