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TBBK

BancorpA
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 combined double-digit EPS growth, high ROE, strong fintech volume and revenue growth, improving credit, and higher FY2026 guidance. Buybacks and future Cash App contributions could support further EPS growth.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +7.8.
What can break
Additional short-term debt and aggressive repurchases may reduce balance-sheet flexibility.
Momentum
31
Value
54
Sentiment
84
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $82.33 · Bull $95.00 · Bear $60.00Analysis 2026-08-04; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-04 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $84.33
Why
Momentum31 · Δ7d -29.7
Value54 · Δ7d +0.8
Sentiment84 · Δ7d +7.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +7.8.

Contradictions & invalidation

  • • Additional short-term debt and aggressive repurchases may reduce balance-sheet flexibility.
  • • Concentration in large fintech partners and possible partner migration toward their own bank charters.
  • • The thesis depends on continued fintech program execution and partner retention.

Catalyst clock

2026-08-31

Q2 earnings and higher FY2026 guidance

Lead driver: Sentiment · See AI snapshot
Momentum
31
9% active weight
Current posture
7d trendSoftening
Δ7d
-29.7
Δ21d
-44.7
Value
54
28% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+0.9
Sentiment
84
62% active weight
Current posture
7d trendImproving
Δ7d
+7.8
Δ21d
+11.0
Why this grade

Composite grade A. Momentum 31.3 / Value 53.7 / Sentiment 84.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-04. Scenario method

B+
Bull case
25%
Probability
Target price
$95.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$82.33
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$60.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$2.78B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data