The Bancorp, Inc. (TBBK) Fair Value 2026

TBBK · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.3 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (8/100)

Quick Summary — As of 2026-10-07, The Bancorp, Inc. (TBBK) trades at $48.44, versus a $46.17 median fair value across its 3 active models — 4.7% below the current price. QOC: 8.3/10. Value Trap Risk: 8/100 (SAFE). 3/13 models active.

Key Facts

Ticker
TBBK
Price
$48.44
Quality Score
8.3/10
Value Trap Risk
8/100
Models Active
3/13
Last Updated
Strength: Regime Cross-Sectional suggests +216.0% upside with 41% confidence
Risk: Majority of models suggest overvaluation

Is The Bancorp, Inc. (TBBK) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, The Bancorp, Inc. (TBBK) appears fairly valued as of : the median of 3 independent fair value estimates is $46.17, within 4.7% of the current price of $48.44. Estimates range from $34.07 to $153.05. TBBK scores 8.3/10 on fundamental quality and 8/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. TBBK’s -4.7% gap is narrower than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy The Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give TBBK?

3 Intrinsic Value Models vs. Current Price ($48.44)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $34.07 -29.7%
Relative · Medium Conviction
 $153.05 +216.0%
Relative · Low Conviction
 $46.17 -4.7%

All Models Active

All 3 models are displayed above.

What Is TBBK's Fair Value Range?

Spread across 3 independent models · $34.07 to $153.05

CirclFi's 3 active models place The Bancorp, Inc. (TBBK) between $34.07 and $153.05 per share, a spread of 258% of the median. The median of that range — $46.17 — is the fair value CirclFi publishes for TBBK, against a current price of $48.44.

Low · ML-RIVHigh · Regime Cross
$34.07median $46.17$153.05
Where the range comes from
Most bearish modelML Residual Income$34.07
Most bullish modelRegime Cross-Sectional$153.05
Model agreement1 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for TBBK. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on TBBK, not a CirclFi price target. How each model works →

What Is The Bancorp, Inc. (TBBK) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, The Bancorp, Inc.'s intrinsic value is estimated at a median $46.17, showing conflicting signals at the current price of $48.44. While the median implied return is -4.7%, model disagreement is elevated with a gap of +245.6% between the most bullish and bearish estimates. The most optimistic model, Regime Cross, places fair value at $153.05 (+216.0%), while ML-RIV — the most conservative — estimates $34.07 (-29.7%). This +245.6% gap reflects genuine analytical uncertainty about The Bancorp, Inc.'s intrinsic worth.

What Do the Models Say About TBBK?

3 of 13 models are currently active for TBBK. Of these, 1 model suggests upside while 2 models suggest overvaluation. Taken together, their median fair value for TBBK is $46.17 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does TBBK Rank in Banks - Regional?

Among 352 Banks - Regional stocks, TBBK ranks #99 by Quality of Company score. CirclFi's QOC score of 8.3/10 evaluates 32 fundamental signals. A score of 8.3 places TBBK in the top tier.

See all Most Undervalued Banks - Regional Stocks →

As a banking sector, The Bancorp, Inc. operates in a sector where return on tangible equity is a critical driver of valuation. Investors evaluating TBBK should weigh these sector-specific dynamics alongside our model-derived fair values.

Is TBBK a Value Trap?

CirclFi's Value Trap algorithm assigns TBBK a score of 8/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for The Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, The Bancorp, Inc.'s fundamental quality profile registers 8.3/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +245.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every TBBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across TBBK's 3 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy The Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

SFBSServisFirst Bancshares, Inc.QOC 8.3MFGMizuho Financial Group, Inc.QOC 8.3ASBAssociated Banc-CorpQOC 8.3AXAxos Financial, Inc.QOC 8.3SMBKSmartFinancial, Inc.QOC 8.3CWBCCommunity West BancsharesQOC 8.3EBCEastern Bankshares, Inc.QOC 7.9SHGShinhan Financial Group Co., Ltd.QOC 7.4WTFCWintrust Financial CorporationQOC 8.9STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: SFBS · MFG · ASB · AX · SMBK · CWBC · EBC · SHG · WTFC · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to TBBK?

3 companies across all industries closest to TBBK’s Quality of Company score of 8.3/10.

PBHPrestige Consumer Healthcare Inc.QOC 8.3UDRUDR, Inc.QOC 8.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: PBH · UDR · NVDA

Where Does TBBK Sit in CirclFi's Banks - Regional Rankings?

TBBK is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About The Bancorp, Inc.’s Valuation?

What is The Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts The Bancorp, Inc. (TBBK)'s intrinsic value at $46.17 — the median of 3 independent model estimates as of 2026-10-07, ranging from $34.07 to $153.05. The Quality of Company score is 8.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is TBBK overvalued or undervalued right now?

At $48.44, 1 of 3 active models suggest TBBK may be undervalued, while 2 indicate potential overvaluation. The median of all 3 fair value estimates is $46.17, within 4.7% of the current price of $48.44 — a consensus view that TBBK is fairly valued. The assessment depends on which methodology best fits The Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.3 mean for TBBK?

The Bancorp, Inc.'s QOC of 8.3/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on TBBK?

CirclFi analyzes TBBK with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on TBBK?

Of the 3 models currently active on TBBK, Regime Cross-Sectional is the most bullish at $153.05 per share, and ML Residual Income is the most bearish at $34.07. CirclFi's published fair value for TBBK is the median of that range, $46.17, not either extreme. The gap between the two ends equals 258% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is TBBK a value trap in 2026?

The Bancorp, Inc.'s Value Trap score is 8/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, The Bancorp, Inc. (TBBK) has a median fair value of $46.17 — within 4.7% of the current price of $48.44 — as of 2026-10-07.” Source: circlfi.com/stock/TBBK/ · Methodology
Primary sources for this TBBK valuation
  • Financial statements: The Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001295401) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for TBBK as of ; valuations recomputed .