TBBK

BancorpA

Nasdaq / Banks

At close

2026-07-18

Current thesis

Improving NIM and modest credit improvement lead to sustained earnings upside and multiple expansion toward high-single-digit premium to peers.

Posture

Constructive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-23.

What can break

Concentration losses in fintech/specialty lending

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $76.50 · Bull $90.00 · Bear $55.00

Earnings

2026-07-23

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-30 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net Neutral

Target $74.33

Why

Momentum75 · Δ7d +21.7

Value54 · Δ7d -0.3

Sentiment59 · Δ7d -6.7

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+21.7

Δ21d

+48.9

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.3

Δ21d

-5.1

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-6.7

Δ21d

-11.7

Why this grade

Composite grade A. Momentum 74.5 / Value 53.9 / Sentiment 58.8

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$2.85B

Beta

1.32

Shares Out

41.63M

P/E (TTM)

14.5

P/S (TTM)

4.49

P/FCF (TTM)

8.02

Rev YoY

-9.5%

EPS YoY

+18.3%

Gross Margin

Op Margin

+44.8%

Net Debt

$434.29M

Current Ratio

0.02

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology