NASDAQ: TBBK · Regional Banks
Bancorp (TBBK) fair value: undervalued or overvalued?
As of 3 Oct 2026, Faircurve's model values Bancorp (TBBK) at $63.40 a share. The stock last closed at $48.81, which puts the model's fair value 29.9% above the price. On the model's bands that reads as Undervalued.
Revalued . Price is the close of 2 Oct 2026. The Bancorp, Inc.
Faircurve Insights · 3 Oct 2026
The Bancorp, Inc. operates as the parent financial company for The Bancorp Bank, providing a comprehensive range of banking products and services across the United States.
On 3 Oct 2026, Faircurve's model found a fair value of $63.40 a share, the midpoint of 2,000 simulations. The previous run, on 26 Sep 2026, gave $63.01, so the fair value moved +0.6%. The calibrated range over 63 trading days is $52.90 to $76.86, built from the fair value. This range held the price 60% of the time at this horizon. The model's evidence grade is High.
The model compares The Bancorp, Inc. with City Holding Company (CHCO), First Commonwealth Financial Corporation (FCF), OFG Bancorp (OFG), Northwest Bancshares, Inc. (NWBI), WaFd, Inc. (WAFD), Merchants Bancorp (MBIN), Banner Corporation (BANR), and Dime Community Bancshares, Inc. (DCOM). Moves around the last 8 earnings reports, measured from the close before each report to the close after it, include 30 Jul 2026 -0.8% and 23 Apr 2026 -3.8%.
Written from the figures on this page for the 3 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give TBBK?
The calibrated range for TBBK over 63 trading days is $52.90 to $76.86. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,809 past valuations, refreshed 3 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is below this range. For names with fair value 15 to 30% above price, the calibrated range has held the price 50% of the time over 63 trading days, and 48% ended below it; the typical move was +3.7%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $58.52 to $68.53. In 100% of the simulations the fair value came out above the price the model ran on.
How does TBBK compare with similar companies?
The companies in regional banks closest to Bancorp in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| CHCO City Holding Company | $142.82 | $113.38 | -20.6% | Overvalued |
| FCF First Commonwealth Financial Corporation | $20.56 | $20.00 | -2.7% | Fairly valued |
| OFG OFG Bancorp | $51.29 | $65.89 | +28.5% | Undervalued |
| NWBI Northwest Bancshares, Inc. | $15.19 | $14.07 | -7.4% | Fairly valued |
| WAFD WaFd, Inc. | $30.80 | $41.21 | +33.8% | Undervalued |
| MBIN Merchants Bancorp | $49.95 | $78.18 | +56.5% | Undervalued |
| BANR Banner Corporation | $67.88 | $67.27 | -0.9% | Fairly valued |
| DCOM Dime Community Bancshares, Inc. | $39.88 | $38.39 | -3.7% | Fairly valued |
When does TBBK report earnings, and how has the stock reacted?
Bancorp's next earnings report is scheduled for 29 Oct 2026. Companies can move their dates.
Options prices on 28 Sep 2026 imply a move of about 14.6% in either direction through the nearest expiry, about 52 days out, a window that includes the report. That is the size the market is pricing, not a direction.
How TBBK moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 9.3%.
| Report date | Two session move |
|---|---|
| 30 Jul 2026 | -0.8% |
| 23 Apr 2026 | -3.8% |
| 29 Jan 2026 | -11.5% |
| 23 Oct 2025 | +5.4% |
| 24 Jul 2025 | -8.4% |
| 24 Apr 2025 | +14.0% |
| 30 Jan 2025 | +10.3% |
| 24 Oct 2024 | -14.2% |
Bancorp at a glance
The Bancorp, Inc. operates as the parent financial company for The Bancorp Bank, providing a comprehensive range of banking products and services across the United States.
- Market value
- $2.0B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -10.7%
- Analysts with estimates
- 2
- Beta to the US market
- 1.14
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Bancorp on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for TBBK was $63.01. As of 3 Oct 2026 it is $63.40, a change of +0.6%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Bancorp's valuation
Is Bancorp stock undervalued or overvalued?
On Faircurve's model, TBBK reads as Undervalued as of 3 Oct 2026. The model's fair value is $63.40 a share against a last close of $48.81, a gap of +29.9%.
What is TBBK's fair value?
$63.40 a share as of 3 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $58.52 to $68.53.
What price range does the model give TBBK?
$52.90 to $76.86 over 63 trading days. Ranges built this way held the price 60% of the time across 4,809 past valuations, refreshed 3 Oct 2026.
When does Bancorp report earnings next?
The next report is scheduled for 29 Oct 2026. Companies can move their dates.
How much has TBBK moved on past earnings reports?
Across its last 8 reports the median two session move was 9.3%, ignoring direction. The largest was -14.2% around the report of 24 Oct 2024.
How confident is the model in this valuation?
The model's evidence grade for TBBK is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.