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The Bancorp Inc (TBBK) — RQD Stock Rating Cockpit

$50.52 +0.20% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $50.44

The Bancorp Inc (TBBK) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $2.06B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TBBK Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TBBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, The Bancorp Inc (NASDAQ: TBBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $50.52 (+0.20% 1D, market cap $2.06B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, TBBK ranks #406 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TBBK compare to FCF and CHCO in the Financials sector?

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Within the Financials sector (Major Banks), TBBK carries a Roarable C- (61/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 33.1%. By comparison, FCF (First Commonwealth Financial Corporation) holds a B- grade (71/100 RQD, P/E 13.4x, ROIC 9.8%, cap $2.04B) and CHCO (City Holding Company) posts a B- grade (71/100 RQD, P/E 15.5x, ROIC 16.1%, cap $2.02B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TBBK?

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Per TBBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001295401), The Bancorp Inc generated $0 in revenue, $228.2M in net income, and $257.9M in free cash flow against $9.35B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $50.44 (-0.15%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 6.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE+1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TBBK)Realized 20D OHLCV Swing Band: ±6%

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY TBBK SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (30% of score)

SEC XBRL FY 2025 (10-K): 6.4% FCF Margin ($257.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$49.13+0.5% Next Q

Q2 (-2Q)

Grade C$49.38+2.9% Next Q

Q3 (-1Q)

Grade C$50.82-0.6% Next Q

Current

Grade C-$50.52+0.5% Hist 90D α

Trajectory: C- (53) → C- (61)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TBBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, TBBK faces multiple-compression risk if 9.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($53.30) or 200D SMA ($58.38) invalidates the momentum regime and cuts Target Base ($51.20) toward Bear Floor ($39.94).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TBBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TBBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 61%NO 39%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

49.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE15% OF RANGE

L: $46$50.52H: $73

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: ARQD 18 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 20 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on TBBK

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (90)

33.1% ROIC with 42.0% gross margin and 12.52% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (50)

23/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like TBBK

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (TBBK Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

TBBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -13.77%📐 HORIZONTAL RANGE

2026-11-02O $50.42H $50.52L $50.42C $50.52VOL 692.4K

RES: $84.77SUP: $45.81SMA50: $53.30SMA200: $58.38

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TBBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TBBK Butterfly Map → + Track TBBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-3.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TBBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TBBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TBBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TBBK)

Financials Rank #406 of 1096 ⚔️ FCF vs TBBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (TBBK vs. FCF, CHCO, HTH, SRCE)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, The Bancorp Inc (TBBK) ranks #406 by composite RQD confidence (61/100, grade C-) and #423 by equity capitalization ($2.06B). Within this direct 5-issuer industry benchmark cohort, TBBK leads on earnings valuation at 9.0x trailing P/E, while TBBK leads on capital efficiency and profitability with 33.1% ROIC and — gross margin. FCF currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with TBBK at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TBBK ACTIVE The Bancorp Inc	C-	61/100	9.0x	—	33.1%	+0.20%	$2.06B	Benchmark Subject
FCF First Commonwealth Financial Corporation	B-	71/100	13.4x	—	9.8%	+0.91%	$2.04B	/fcf-vs-tbbk →
CHCO City Holding Company	B-	71/100	15.5x	—	16.1%	+1.03%	$2.02B	/chco-vs-tbbk →
HTH Hilltop Holdings Inc.	D-	35/100	12.7x	—	7.7%	+1.58%	$2.12B	/hth-vs-tbbk →
SRCE 1st Source Corporation	C	63/100	—	—	—	+0.97%	$2.13B	/srce-vs-tbbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001295401

In its most recent audited fiscal period (FY2025, filed 2025-12-31), The Bancorp Inc (TBBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $228.2M, operating cash flow of $265.0M, and free cash flow of $257.9M (+25.9% YoY). On the balance sheet, TBBK closed FY2025 with $9.35B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$228.2M	$265.0M	$257.9M	$9.35B	—
FY2024 (FY)	2024-12-31	$0	$217.5M	$209.9M	$204.9M	$8.73B	—
FY2023 (FY)	2023-12-31	$0	$192.3M	$186.9M	$186.9M	—	—

3. TBBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TBBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does TBBK compare to FCF and CHCO in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for TBBK?

Where is TBBK trading relative to its 50-day, 200-day, and 52-week technical levels?

TBBK last traded at $50.52 (+0.20% on volume of 692,448 shares), positioning the stock -5.22% below its 50-day simple moving average ($53.30) and -13.46% below its 200-day simple moving average ($58.38). Across its 52-week range of $46.45 to $73.02, TBBK sits at the 15.3% percentile with a 14-day RSI of 49.4 (NEUTRAL RANGE) and an implied next-earnings move of ±6.0% ($47.49 to $53.55).

TBBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TBBK stock right now?

The Bancorp Inc (TBBK) currently earns a Roarable Rating of C- (Hold — HOLD) with 61/100 RQD Confidence. Solid steady margins (33% return on capital), mixed timing at 9x P/E—hold if owned, no rush to chase.

What is TBBK's 12-month price target and RQD AI Jury consensus?

TBBK's 12-month base price target is $51.2 (range $39.94 to $76.67), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: TBBK RQD Cockpit TBBK 12M Forecast TBBK Earnings & Move TBBK Dividends & DRIP TBBK Insiders & 13F TBBK Whale Options TBBK Profit Sankey TBBK News & Why