TBBKNasdaqNational Commercial BanksFiscal year ends December 31
Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$49.38−0.22 (-0.44%)
Close on Oct 19, 2026
- Market cap
- $2.06B
- P/E (TTM)
- 9.3
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Gross margin
–
Net margin
161.7%−966.1 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +20.8% | +17.9% | +81.8% | -3.6% | |
| Net income | +4.9% | +20.6% | +23.3% | +32.7% | |
| EPS, diluted | +14.7% | +29.4% | +29.1% | +30.3% | |
| Free cash flow | +25.9% | +31.1% | +17.1% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | -31.2% | 15.0% | 30.8% | |
| Return on assets | -2.0% | 1.3% | 2.5% | |
| Capex to revenue | 6.1% | 52.6% | 5.0% | |
| Diluted shares | 45M | 58M | 46M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Bancorp generated $865.28M from operations and spent $862.13M on capital expenditure, dividends and share buybacks. 4% of that went back into the business.
Generated
$865.28M
Used
$862.13M
Capital expenditure$31.44M4%Dividends$00%Share buybacks$830.69M96%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin161.7%
×Asset turnover0.02×
×Equity multiplier12.22×
=Return on equity, FY202530.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 161.7% | 0.02× | 12.22× | 30.8% |
| FY2024 | 186.3% | 0.01× | 10.29× | 27.2% |
| FY2023 | 193.8% | 0.01× | 10.40× | 25.6% |
| FY2022 | 151.1% | 0.01× | 10.95× | 19.3% |
| FY2021 | 1470.3% | 0.00× | 10.64× | 17.9% |
| FY2020 | 1127.8% | 0.00× | 11.20× | 15.0% |
| FY2019 | 549.9% | 0.00× | 11.33× | 11.6% |
| FY2018 | 32.3% | 0.06× | 12.51× | 24.3% |
| FY2017 | 10.9% | 0.04× | 15.35× | 7.0% |
| FY2016 | -72.9% | 0.03× | 15.55× | -31.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$228.21M
- Cash generatingOperating cash flow above zero$265.01M
- Return on assets improvedROA up on the prior year2.8% → 2.6%
- Earnings backed by cashOperating cash flow above net income$265.01M vs $228.21M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise51M → 46M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.02