
Bancorp (TBBK) Stock Forecast & Price Target
Bancorp (TBBK) Analyst Ratings
Bulls say
Bancorp is experiencing strong financial momentum, with core net interest income (NII) projected to increase by 2.0% quarter-over-quarter, suggesting improved profitability, especially as core net interest margin (NIM) approaches 4.63%. The company anticipates total fee income growth in the high-20% range, driven by robust trends in gross dollar volume (GDV) and expanding credit sponsorship balances, which have risen to $454 million and are expected to exceed $1 billion by the end of 2025. Additionally, regulatory dynamics in the Banking as a Service (BaaS) sector are favorably positioning Bancorp, enabling it to attract substantial interest from large partners and capitalize on significant internal growth opportunities within its fintech and specialty finance segments.
Bears say
Bancorp Inc. has reported a 14% quarter-over-quarter decrease in substandard balances, totaling $134.4 million, although management anticipates a continued decline in these balances, indicating potential skepticism regarding the sustainability of this trend. Despite a positive reduction in substandard loans within the real estate bridge lending (REBL) portfolio, macroeconomic risks, such as rising unemployment and a weakening housing market, pose significant threats that could accelerate credit losses beyond current projections. Additionally, competitive pressures on asset yields and funding costs could further compress Bancorp's profit margins, suggesting a challenging outlook for the company's overall financial performance.
This aggregate rating is based on analysts' research of Bancorp and is not a guaranteed prediction by Public.com or investment advice.
Bancorp (TBBK) Analyst Forecast & Price Prediction
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