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TBBK

BancorpC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 EPS rose 14.2% year over year to $1.45, payments volume grew, and management raised 2026 EPS guidance to $5.95–$6.05 while maintaining 2027 guidance of $8.10–$8.30. Lower charge-offs and planned expense savings could support recovery if partner revenue proves durable.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-29 · AMC.
What can break
Chime's planned ownership of Stride Bank could shift deposits, card activity or lending away from TBBK; timing and financial exposure are not company-quantified. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
Momentum
14
Value
62
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $53.00 · Bull $68.00 · Bear $34.00Analysis 2026-10-01; returns require an exact persisted reference.
Earnings
2026-10-29 · AMC
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-01 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $76.00
Why
Momentum14 · Δ7d +0.4
Value62 · Δ7d +0.9
Sentiment56 · Δ7d -1.7
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-29 · AMC.
  • • Value remains the lead driver in the composite, 7D delta +0.9.

Contradictions & invalidation

  • • Chime's planned ownership of Stride Bank could shift deposits, card activity or lending away from TBBK; timing and financial exposure are not company-quantified. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
  • • Q2 net interest income declined year over year, and a greater fintech-loan mix moved revenue toward fees rather than interest income. [#SEC-8K-2026-07-30] https://www.sec.gov/Archives/edgar/data/1295401/000162828026051050/tbbk-20260730xexx991.htm
  • • Chime's proposed bank acquisition creates a material, unquantified risk to TBBK's future partner activity.

Catalyst clock

2026-10-29 · AMC

Evidence of payments and credit resilience

Lead driver: Value · See fundamentals
Momentum
14
8% active weight
Current posture
7d trendSoftening
Δ7d
+0.4
Δ21d
+9.6
Value
62
47% active weight
Current posture
7d trendFlat
Δ7d
+0.9
Δ21d
+1.6
Sentiment
56
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.7
Δ21d
-14.3
Why this grade

Composite grade C. Momentum 13.9 / Value 62.1 / Sentiment 55.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-01. Scenario method

B+
Bull case
25%
Probability
Target price
$68.00
Analysis reference price unavailable
Analysis 2026-10-01 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$53.00
Analysis reference price unavailable
Analysis 2026-10-01 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-10-01 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$2.07B
Beta
1.32
Shares Out
40.79M
P/E (TTM)
14.5
P/S (TTM)
4.49
P/FCF (TTM)
8.02
Rev YoY
-9.6%
EPS YoY
+14.5%
Gross Margin
-
Op Margin
+37.5%
Net Debt
$434.29M
Current Ratio
0.02
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data