$55.32

+0.25 (+0.45%)

Weekly Expected Move ±5.0%

$49 $51 $54 $57 $60

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Strong Sell · Power 38 · $2.3B mcap · 39M float · 1.29% daily turnover · Short 61% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

60.5 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: -40.7%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. TBBK has a Narrow competitive edge (60.5/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Cost Advantage. Negative ROIC of -40.7% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$60

Avg Target

$60

High

Based on 5 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 1Buy: 5Hold: 1Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$60.40

Analysts5

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-02-09	Wolfe Research	—	Initiated	$57	—	-8.4%	$62.20
2026-01-21	RBC Capital	Gerard Cassidy	Initiated	$57	—	-17.6%	$69.18
2026-01-21	William Blair	—	Initiated	$60	—	-9.8%	$66.50
2025-08-11	Raymond James	Strong Buy	Initiated	$76	—	+21.1%	$62.78
2025-07-18	Morgan Stanley	Betsy Graseck	Initiated	$52	—	-23.3%	$67.81
2024-12-10	Compass Point	David Rochester	Initiated	$125	—	+126.5%	$55.18
2024-12-09	Stephens	Terry McEvoy	Initiated	$33	—	-40.9%	$55.81
2024-07-29	Piper Sandler	Frank Schiraldi	$55	$60	+5	+17.4%	$51.11
2024-07-02	Piper Sandler	Frank Schiraldi	Initiated	$55	—	+45.1%	$37.90

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. TBBK receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (5/5), ROA (4/5). Areas of concern: D/E (2/5), P/B (1/5).

Rating Change History

Date	From	To
2026-05-11	A-	B+
2026-04-01	B+	A-
2026-01-16	A-	B+
2026-01-13	B+	A-
2026-01-12	A-	B+
2026-01-05	B+	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 51 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. TBBK scores highest in Earnings Quality (86/100) and lowest in Growth (48/100). An overall grade of A places TBBK among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.67

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✓ ✓ ✓ ✗

Beneish M-Score

-3.77

Unlikely Manipulator

Ohlson O-Score

-5.42

Bankruptcy prob: 0.4%

Low Risk

Credit Rating

AA-

Score: 81.3/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 0.94x

Accruals: 0.1%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. TBBK scores 2.67, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. TBBK scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. TBBK's score of -3.77 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. TBBK's implied 0.4% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. TBBK receives an estimated rating of AA- (score: 81.3/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). TBBK's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

10.09x

PEG

0.63x

P/S

2.96x

P/B

3.34x

P/FCF

10.68x

P/OCF

10.51x

EV/EBITDA

3.34x

EV/Revenue

1.32x

EV/EBIT

3.36x

EV/FCF

4.81x

Earnings Yield

10.10%

FCF Yield

9.36%

Shareholder Yield

17.08%

Graham Number

$44.46

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 10.1x earnings, TBBK trades at a reasonable valuation. An earnings yield of 10.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $44.46 per share, 24% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.754

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.394

EBIT / Rev

Asset Turnover

0.086

Rev / Assets

Equity Multiplier

12.220

Assets / Equity

ROE

31.2%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. TBBK's ROE of 31.2% is driven by financial leverage (equity multiplier: 12.22x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

26.46%

Fair P/E

61.42x

Intrinsic Value

$333.25

Price/Value

0.16x

Margin of Safety

83.88%

Premium

-83.88%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with TBBK's realized 26.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $333.25, TBBK appears undervalued with a 84% margin of safety. The adjusted fair P/E of 61.4x compares to the current market P/E of 10.1x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$55.32

Median 1Y

$62.64

5th Pctile

$24.32

95th Pctile

$161.35

Ann. Volatility

54.4%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Damian M. Kozlowski Chief Executive Officer	$1,000,000	$2,500,000	$4,528,622
Ryan Harris EVP, Head of Fintech Solutions	$500,000	$2,000,000	$2,511,460
Greg Garry EVP, Chief Operating Officer	$500,000	$1,250,000	$1,778,095
Olek DeRowe EVP, Head of Commercial Real Estate	$400,000	$1,200,000	$1,611,460
Jeff Nager EVP, Head of Commercial Lending	$500,000	$1,100,000	$1,609,966
Mark Connolly EVP, Head of Credit Solutions	$500,000	$1,000,000	$1,507,440
Paul Frenkiel EVP, er EVP, Chief Financial Officer	$134,615	$700,000	$846,091
Martin Egan MD, Chief Accounting Officer	$369,231	$200,000	$584,307
Dominic C. Canuso EVP, Chief Financial Officer	$67,308	$—	$318,644

CEO Pay Ratio

23:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $4,528,622

Avg Employee Cost (SGA/emp): $194,480

Employees: 733

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

733

-4.9% YoY

Revenue / Employee

$941,970

Rev: $690,464,000

Profit / Employee

$311,341

NI: $228,213,000

SGA / Employee

$194,480

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	19.3%	20.2%	17.9%	18.4%	18.6%	19.0%	19.3%	22.3%	25.1%	28.0%	25.6%	26.6%	27.2%	27.4%	27.2%	27.3%	28.1%	28.5%	30.8%	31.2%	31.24%
ROA	1.7%	1.8%	1.7%	1.7%	1.7%	1.8%	1.8%	2.0%	2.3%	2.6%	2.5%	2.6%	2.6%	2.6%	2.6%	2.7%	2.7%	2.8%	2.5%	2.6%	2.56%
ROIC	-12.5%	-13.1%	-14.7%	-15.1%	-15.2%	-15.6%	-15.5%	-18.0%	-20.2%	-22.5%	-23.2%	-24.0%	-24.6%	-24.8%	74.3%	74.6%	76.7%	77.8%	-40.2%	-40.7%	-40.72%
ROCE	16.7%	17.3%	16.6%	17.0%	17.5%	18.1%	20.4%	23.4%	26.3%	29.1%	25.1%	26.0%	26.6%	26.8%	29.8%	29.8%	30.6%	31.0%	3.3%	3.3%	3.35%
Gross Margin	97.6%	94.7%	95.0%	94.4%	93.8%	81.3%	75.2%	74.7%	74.6%	73.1%	70.3%	73.6%	73.4%	71.2%	66.2%	57.5%	60.3%	59.8%	75.6%	83.3%	83.31%
Operating Margin	44.7%	45.6%	42.9%	47.1%	45.9%	39.5%	42.4%	42.9%	42.5%	42.7%	39.7%	45.4%	42.7%	40.2%	39.4%	33.7%	35.1%	33.7%	44.2%	47.6%	47.61%
Net Margin	35.5%	35.3%	32.5%	35.8%	33.9%	28.5%	30.3%	32.5%	31.5%	32.2%	29.5%	34.2%	32.0%	30.0%	28.9%	25.6%	26.4%	25.3%	33.1%	36.3%	36.33%
EBITDA Margin	45.6%	46.6%	43.9%	48.2%	46.9%	40.3%	43.0%	43.5%	43.0%	42.9%	40.5%	45.9%	43.5%	40.7%	40.0%	34.2%	35.6%	34.3%	44.2%	47.6%	47.61%
FCF Margin	2.3%	43.0%	25.2%	24.6%	26.3%	21.1%	28.2%	28.7%	25.8%	27.8%	28.5%	33.3%	31.4%	30.4%	32.0%	37.0%	42.9%	44.4%	31.0%	27.5%	27.51%
OCF Margin	2.3%	44.2%	25.7%	25.3%	27.0%	22.4%	29.5%	30.3%	28.1%	30.0%	30.6%	35.0%	32.4%	31.3%	32.8%	37.9%	43.6%	44.5%	31.7%	28.0%	27.96%
ROE 3Y Avg	snapshot only																				28.62%
ROE 5Y Avg	snapshot only																				24.99%
ROA 3Y Avg	snapshot only																				2.52%
ROIC Economic	snapshot only																				21.08%
Cash ROA	snapshot only																				2.33%
NOPAT Margin	snapshot only																				29.67%
Pretax Margin	snapshot only																				39.35%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				19.32%
SBC / Revenue	snapshot only																				1.92%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	13.21	13.84	13.35	14.48	9.78	10.71	12.33	10.38	10.68	10.02	10.87	8.94	9.49	12.87	11.77	11.61	12.07	15.52	13.04	9.90	10.085
P/S Ratio	4.26	4.63	4.52	5.04	3.36	3.47	3.91	3.25	3.30	3.17	3.42	2.85	3.04	4.05	3.66	3.35	3.32	4.11	3.56	2.94	2.957
P/B Ratio	2.34	2.57	2.26	2.52	1.72	1.92	2.31	2.25	2.60	2.72	2.59	2.21	2.40	3.28	3.24	3.21	3.43	4.48	4.31	3.32	3.344
P/FCF	1.82	10.77	17.94	20.50	12.81	16.49	13.86	11.32	12.78	11.42	11.98	8.55	9.69	13.31	11.46	9.05	7.74	9.25	11.45	10.68	10.682
P/OCF	1.81	10.47	17.61	19.94	12.47	15.51	13.27	10.71	11.75	10.58	11.17	8.14	9.39	12.94	11.16	8.84	7.62	9.24	11.23	10.51	10.510
EV/EBITDA	-0.30	0.64	0.50	1.61	-1.83	-0.94	0.41	0.14	1.17	1.39	1.74	0.54	1.09	3.62	6.96	6.86	7.27	9.83	5.61	3.34	3.340
EV/Revenue	-0.13	0.29	0.22	0.74	-0.85	-0.42	0.18	0.06	0.50	0.60	0.74	0.23	0.47	1.54	2.95	2.69	2.71	3.53	2.05	1.32	1.324
EV/EBIT	-0.31	0.65	0.51	1.64	-1.87	-0.96	0.42	0.14	1.19	1.41	1.76	0.55	1.10	3.67	7.06	6.96	7.37	9.98	5.67	3.36	3.364
EV/FCF	-0.06	0.67	0.89	3.01	-3.22	-1.98	0.64	0.21	1.93	2.16	2.59	0.70	1.50	5.07	9.23	7.27	6.32	7.95	6.61	4.81	4.813
Earnings Yield	7.6%	7.2%	7.5%	6.9%	10.2%	9.3%	8.1%	9.6%	9.4%	10.0%	9.2%	11.2%	10.5%	7.8%	8.5%	8.6%	8.3%	6.4%	7.7%	10.1%	10.10%
FCF Yield	54.9%	9.3%	5.6%	4.9%	7.8%	6.1%	7.2%	8.8%	7.8%	8.8%	8.3%	11.7%	10.3%	7.5%	8.7%	11.1%	12.9%	10.8%	8.7%	9.4%	9.36%
PEG Ratio	snapshot only																				0.629
Price/Tangible Book	snapshot only																				3.318
EV/OCF	snapshot only																				4.736
EV/Gross Profit	snapshot only																				1.936
Acquirers Multiple	snapshot only																				3.364
Shareholder Yield	snapshot only																				17.08%
Graham Number	snapshot only																				$44.46

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.37	0.37	0.35	0.35	0.35	0.35	0.33	0.33	0.33	0.33	0.38	0.38	0.38	0.38	0.18	0.18	0.18	0.18	8.66	8.66	8.658
Quick Ratio	0.37	0.37	0.35	0.35	0.35	0.35	0.33	0.33	0.33	0.33	0.38	0.38	0.38	0.38	0.18	0.18	0.18	0.18	8.66	8.66	8.658
Debt/Equity	0.26	0.26	0.23	0.23	0.23	0.23	0.18	0.18	0.18	0.18	0.18	0.18	0.18	0.18	0.16	0.16	0.16	0.16	0.61	0.61	0.612
Net Debt/Equity	-2.41	-2.41	-2.15	-2.15	-2.15	-2.15	-2.21	-2.21	-2.21	-2.21	-2.03	-2.03	-2.03	-2.03	-0.63	-0.63	-0.63	-0.63	-1.82	-1.82	-1.823
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.05	0.05	0.045
Debt/EBITDA	1.09	1.05	1.03	1.01	0.98	0.94	0.68	0.59	0.53	0.48	0.57	0.55	0.54	0.53	0.42	0.42	0.41	0.40	1.38	1.37	1.368
Net Debt/EBITDA	-10.05	-9.68	-9.52	-9.33	-9.07	-8.74	-8.45	-7.37	-6.58	-5.97	-6.30	-6.06	-5.93	-5.87	-1.68	-1.67	-1.63	-1.61	-4.10	-4.07	-4.072
Interest Coverage	11.53	11.86	12.83	13.29	9.94	4.93	2.99	2.20	1.84	1.74	1.65	1.66	1.65	1.61	1.67	1.61	1.63	1.69	1.72	2.22	2.224
Equity Multiplier	10.80	10.80	10.49	10.49	10.49	10.49	11.39	11.39	11.39	11.39	9.55	9.55	9.55	9.55	11.05	11.05	11.05	11.05	13.56	13.56	13.558
Cash Ratio	snapshot only																				8.441
Debt Service Coverage	snapshot only																				2.240
Cash to Debt	snapshot only																				3.977
FCF to Debt	snapshot only																				0.507
Defensive Interval	snapshot only																				2781.6 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.07	0.07	0.08	0.08	0.08	0.08	0.08	0.09	0.09	0.10	0.10	0.09	0.09	0.086
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	18.72	18.91	17.06	17.05	17.40	18.83	16.46	19.28	21.93	23.87	17.59	18.00	18.35	18.81	17.63	19.10	20.59	21.73	19.74	18.37	18.369
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	20	19	21	21	21	19	22	19	17	15	21	20	20	19	21	19	18	17	18	20	19.9 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	20	19	21	21	21	19	22	19	17	15	21	20	20	19	21	19	18	17	18	20	—
Cash Velocity	snapshot only																				0.464
Capital Intensity	snapshot only																				12.008

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	11.4%	14.6%	10.7%	6.0%	4.6%	12.0%	25.6%	47.1%	63.9%	65.0%	49.0%	30.2%	16.7%	9.9%	14.2%	21.0%	27.9%	31.6%	19.8%	2.9%	2.90%
Net Income	87.2%	86.7%	38.2%	21.6%	11.5%	8.5%	17.7%	32.3%	47.4%	61.2%	47.7%	32.7%	20.9%	9.1%	13.1%	9.4%	9.9%	10.8%	4.9%	5.9%	5.88%
EPS	83.3%	86.7%	40.0%	24.1%	14.5%	11.6%	21.4%	37.1%	53.2%	67.8%	54.2%	39.5%	30.2%	20.7%	26.1%	21.6%	18.6%	16.1%	15.8%	19.2%	19.21%
FCF	1.9%	1.2%	-47.6%	-88.3%	-88.2%	-45.1%	40.7%	71.8%	61.2%	1.2%	50.6%	51.2%	41.7%	20.2%	28.1%	34.3%	75.0%	92.2%	16.3%	-23.5%	-23.53%
EBITDA	65.9%	67.6%	31.6%	16.3%	11.1%	11.1%	22.9%	38.1%	50.6%	59.8%	43.4%	29.9%	18.6%	8.8%	14.0%	9.9%	10.3%	10.7%	3.4%	4.0%	4.04%
Op. Income	70.9%	72.1%	33.1%	16.9%	11.4%	11.3%	23.4%	39.1%	51.9%	61.4%	44.3%	30.4%	18.6%	8.4%	13.8%	9.6%	10.2%	10.7%	3.7%	4.8%	4.80%
OCF Growth	snapshot only																				-24.02%
Asset Growth	snapshot only																				7.16%
Equity Growth	snapshot only																				-12.66%
Debt Growth	snapshot only																				2.41%
Shares Change	snapshot only																				-11.18%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	11.7%	2.7%	2.7%	1.6%	1.1%	9.5%	13.1%	20.1%	24.1%	28.4%	27.5%	26.6%	26.0%	26.6%	28.8%	32.3%	34.7%	33.6%	26.8%	17.5%	17.45%
Revenue 5Y	9.0%	8.4%	17.7%	16.1%	13.9%	13.9%	13.6%	16.0%	19.0%	14.9%	15.2%	15.0%	14.6%	18.9%	19.8%	22.2%	23.3%	25.1%	23.2%	20.4%	20.36%
EPS 3Y	87.4%	15.0%	6.8%	6.4%	5.3%	27.5%	37.2%	49.8%	47.6%	51.8%	37.9%	33.4%	31.7%	31.2%	33.1%	32.5%	33.2%	33.0%	31.0%	26.5%	26.46%
EPS 5Y	—	—	—	—	—	85.0%	43.2%	40.6%	63.1%	23.3%	17.9%	18.2%	18.4%	33.2%	38.1%	41.7%	37.8%	37.4%	30.8%	28.0%	28.05%
Net Income 3Y	89.4%	16.0%	7.7%	7.1%	5.5%	27.2%	36.2%	48.2%	45.4%	48.3%	33.9%	28.8%	25.7%	24.0%	25.3%	24.3%	25.1%	24.9%	20.6%	15.4%	15.40%
Net Income 5Y	—	—	—	—	—	85.4%	43.1%	40.1%	62.0%	22.2%	16.7%	16.6%	15.9%	29.3%	33.4%	36.4%	32.5%	31.6%	23.3%	19.9%	19.85%
EBITDA 3Y	35.6%	4.5%	5.6%	5.2%	4.6%	26.1%	32.6%	42.8%	40.5%	43.8%	32.4%	27.8%	25.6%	24.5%	26.2%	25.4%	25.3%	24.4%	19.1%	14.1%	14.09%
EBITDA 5Y	—	—	—	—	—	68.0%	31.3%	30.3%	33.1%	15.1%	15.7%	15.9%	15.4%	28.4%	30.7%	33.0%	29.4%	29.1%	22.3%	19.0%	18.99%
Gross Profit 3Y	14.0%	4.4%	4.9%	4.3%	3.6%	11.9%	13.0%	17.9%	18.5%	20.5%	17.9%	15.8%	14.9%	15.3%	16.6%	17.2%	17.9%	17.0%	14.6%	11.5%	11.53%
Gross Profit 5Y	9.8%	9.1%	19.3%	17.7%	14.9%	13.9%	11.8%	12.9%	15.1%	10.3%	10.6%	10.6%	10.4%	15.1%	15.5%	16.5%	15.6%	15.6%	13.9%	12.6%	12.60%
Op. Income 3Y	39.4%	5.2%	6.4%	5.9%	5.3%	28.1%	34.9%	45.4%	42.5%	45.7%	33.4%	28.5%	26.1%	24.9%	26.5%	25.7%	25.7%	24.6%	19.4%	14.4%	14.41%
Op. Income 5Y	—	—	—	—	—	93.0%	34.5%	32.8%	35.6%	15.9%	16.5%	16.6%	16.0%	29.8%	32.1%	34.5%	30.5%	30.0%	22.9%	19.5%	19.48%
FCF 3Y	80.5%	34.8%	—	—	—	—	—	—	—	—	3.5%	-32.7%	-35.5%	12.8%	39.5%	51.7%	58.7%	71.3%	30.9%	15.8%	15.81%
FCF 5Y	—	—	—	—	—	—	—	-1.9%	2.2%	23.9%	—	—	—	—	—	—	—	—	10.6%	-20.7%	-20.73%
OCF 3Y	80.7%	35.6%	—	—	—	—	—	—	—	—	5.2%	-31.7%	-34.9%	12.8%	39.8%	51.4%	58.1%	67.9%	29.9%	14.3%	14.32%
OCF 5Y	—	—	—	—	—	—	—	-0.9%	3.9%	25.6%	—	—	—	—	—	—	—	—	10.5%	-20.6%	-20.56%
Assets 3Y	10.1%	10.1%	15.4%	15.4%	15.4%	15.4%	11.8%	11.8%	11.8%	11.8%	7.1%	7.1%	7.1%	7.1%	8.4%	8.4%	8.4%	8.4%	5.8%	5.8%	5.77%
Assets 5Y	5.7%	5.7%	7.2%	7.2%	7.2%	7.2%	10.9%	10.9%	10.9%	10.9%	11.6%	11.6%	11.6%	11.6%	9.1%	9.1%	9.1%	9.1%	8.3%	8.3%	8.30%
Equity 3Y	21.5%	21.5%	17.1%	17.1%	17.1%	17.1%	12.7%	12.7%	12.7%	12.7%	11.6%	11.6%	11.6%	11.6%	6.6%	6.6%	6.6%	6.6%	-0.2%	-0.2%	-0.20%
Book Value 3Y	20.2%	20.4%	16.1%	16.2%	16.9%	17.3%	13.6%	14.0%	14.4%	15.3%	14.9%	15.6%	16.9%	18.1%	13.3%	13.6%	13.5%	13.5%	8.5%	9.4%	9.36%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.74	0.73	0.76	0.74	0.72	0.98	0.92	0.79	0.73	0.57	0.65	0.70	0.70	0.83	0.87	0.91	0.91	0.92	0.96	0.97	0.973
Earnings Stability	0.81	0.81	0.70	0.71	0.78	0.80	0.75	0.75	0.78	0.77	0.74	0.76	0.78	0.94	0.98	0.99	0.98	0.96	0.96	0.97	0.967
Margin Stability	0.96	0.96	0.96	0.95	0.96	0.96	0.95	0.92	0.91	0.91	0.90	0.89	0.88	0.88	0.88	0.86	0.84	0.84	0.85	0.85	0.847
Rev. Growth Consistency	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.85	0.91	0.95	0.97	0.93	0.87	0.81	0.50	0.81	0.87	0.92	0.96	0.95	0.96	0.96	0.96	0.98	0.98	0.976
Earnings Smoothness	0.39	0.40	0.68	0.80	0.89	0.92	0.84	0.72	0.62	0.53	0.61	0.72	0.81	0.91	0.88	0.91	0.91	0.90	0.95	0.94	0.943
ROE Trend	0.00	0.06	0.05	0.05	0.03	0.03	0.03	0.05	0.07	0.09	0.06	0.05	0.04	0.03	0.06	0.04	0.04	0.03	0.07	0.07	0.073
Gross Margin Trend	0.08	0.08	0.07	0.06	0.03	-0.02	-0.09	-0.16	-0.19	-0.19	-0.17	-0.15	-0.13	-0.10	-0.08	-0.10	-0.11	-0.13	-0.10	-0.01	-0.013
FCF Margin Trend	4.51	1.78	0.86	1.12	0.49	1.01	-0.11	-0.95	-1.04	-0.04	0.02	0.07	0.05	0.06	0.04	0.06	0.14	0.15	0.01	-0.08	-0.077
Sustainable Growth Rate	19.3%	20.2%	17.9%	18.4%	18.6%	19.0%	19.3%	22.3%	25.1%	28.0%	25.6%	26.6%	27.2%	27.4%	27.2%	27.3%	28.1%	28.5%	30.8%	31.2%	31.24%
Internal Growth Rate	1.8%	1.8%	1.7%	1.8%	1.8%	1.8%	1.8%	2.1%	2.3%	2.6%	2.5%	2.6%	2.7%	2.7%	2.7%	2.7%	2.8%	2.9%	2.6%	2.6%	2.62%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	7.29	1.32	0.76	0.73	0.78	0.69	0.93	0.97	0.91	0.95	0.97	1.10	1.01	0.99	1.05	1.31	1.59	1.68	1.16	0.94	0.942
FCF/OCF	0.99	0.97	0.98	0.97	0.97	0.94	0.96	0.95	0.92	0.93	0.93	0.95	0.97	0.97	0.97	0.98	0.98	1.00	0.98	0.98	0.984
FCF/Net Income	snapshot only																				0.927
OCF/EBITDA	snapshot only																				0.705
CapEx/Revenue	1.3%	1.2%	0.5%	0.7%	0.7%	1.3%	1.3%	1.6%	2.3%	2.2%	2.1%	1.7%	1.0%	0.9%	0.8%	0.9%	0.7%	0.1%	0.6%	0.4%	0.45%
CapEx/Depreciation	snapshot only																				1.535
Accruals Ratio	-0.11	-0.01	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	-0.00	-0.00	0.00	-0.00	-0.01	-0.02	-0.02	-0.00	0.00	0.001
Sloan Accruals	snapshot only																				0.874
Cash Flow Adequacy	snapshot only																				62.285
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	19.5%	27.8%	36.1%	39.6%	43.6%	47.0%	46.1%	46.6%	47.3%	47.7%	52.0%	62.8%	98.6%	1.1%	1.2%	1.1%	78.7%	1.2%	1.7%	1.7%	1.69%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	1.5%	2.0%	2.7%	2.7%	4.5%	4.4%	3.7%	4.5%	4.4%	4.8%	4.8%	7.0%	10.4%	8.6%	9.9%	9.5%	6.5%	7.8%	12.7%	17.1%	17.08%
Net Buyback Yield	1.4%	1.8%	2.5%	2.5%	4.2%	4.4%	3.7%	4.5%	4.4%	4.8%	4.8%	7.0%	10.4%	8.6%	9.9%	9.5%	6.5%	7.8%	12.6%	17.0%	16.99%
Total Shareholder Return	1.4%	1.8%	2.5%	2.5%	4.2%	4.4%	3.7%	4.5%	4.4%	4.8%	4.8%	7.0%	10.4%	8.6%	9.9%	9.5%	6.5%	7.8%	12.6%	17.0%	16.99%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.76	0.76	0.77	0.77	0.76	0.74	0.73	0.73	0.74	0.74	0.75	0.75	0.75	0.75	0.74	0.75	0.75	0.75	0.75	0.75	0.754
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.43	0.44	0.44	0.45	0.45	0.44	0.43	0.43	0.42	0.43	0.42	0.43	0.43	0.42	0.42	0.39	0.37	0.35	0.36	0.39	0.394
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.06	0.07	0.07	0.08	0.08	0.08	0.08	0.08	0.09	0.09	0.10	0.10	0.09	0.09	0.086
Equity Multiplier	11.20	11.20	10.64	10.64	10.64	10.64	10.95	10.95	10.95	10.95	10.40	10.40	10.40	10.40	10.29	10.29	10.29	10.29	12.22	12.22	12.220

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.74	$1.84	$1.90	$1.96	$2.00	$2.05	$2.30	$2.68	$3.06	$3.44	$3.55	$3.74	$3.98	$4.16	$4.47	$4.55	$4.72	$4.83	$5.18	$5.43	$5.43
Book Value/Share	$9.85	$9.91	$11.18	$11.23	$11.36	$11.44	$12.26	$12.38	$12.56	$12.68	$14.89	$15.14	$15.73	$16.32	$16.24	$16.47	$16.60	$16.73	$15.65	$16.19	$16.54
Tangible Book/Share	$9.80	$9.86	$11.14	$11.19	$11.31	$11.40	$12.23	$12.35	$12.52	$12.64	$14.86	$15.11	$15.69	$16.28	$16.21	$16.44	$16.58	$16.70	$15.65	$16.19	$16.19
Revenue/Share	$5.40	$5.50	$5.60	$5.63	$5.81	$6.33	$7.25	$8.58	$9.89	$10.88	$11.29	$11.73	$12.43	$13.22	$14.36	$15.78	$17.15	$18.24	$18.99	$18.29	$18.49
FCF/Share	$12.62	$2.36	$1.41	$1.38	$1.52	$1.33	$2.05	$2.46	$2.55	$3.02	$3.22	$3.91	$3.90	$4.02	$4.59	$5.84	$7.36	$8.10	$5.89	$5.03	$5.09
OCF/Share	$12.69	$2.43	$1.44	$1.42	$1.57	$1.42	$2.14	$2.60	$2.78	$3.26	$3.45	$4.11	$4.02	$4.13	$4.71	$5.98	$7.48	$8.11	$6.01	$5.11	$5.17
Cash/Share	$26.29	$26.47	$26.65	$26.77	$27.07	$27.29	$29.23	$29.51	$29.93	$30.22	$32.94	$33.48	$34.78	$36.09	$12.76	$12.94	$13.05	$13.15	$38.11	$39.44	$0.73
EBITDA/Share	$2.36	$2.47	$2.53	$2.59	$2.69	$2.82	$3.20	$3.71	$4.21	$4.69	$4.80	$5.07	$5.38	$5.64	$6.09	$6.19	$6.40	$6.54	$6.95	$7.25	$7.25
Debt/Share	$2.58	$2.59	$2.60	$2.61	$2.64	$2.66	$2.16	$2.19	$2.22	$2.24	$2.73	$2.77	$2.88	$2.99	$2.54	$2.58	$2.60	$2.62	$9.58	$9.92	$9.92
Net Debt/Share	$-23.71	$-23.87	$-24.05	$-24.16	$-24.44	$-24.63	$-27.07	$-27.33	$-27.71	$-27.98	$-30.22	$-30.71	$-31.90	$-33.10	$-10.22	$-10.36	$-10.45	$-10.53	$-28.53	$-29.52	$-29.52

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.667
Altman Z-Prime	snapshot only																				1.567
Piotroski F-Score	7	7	6	6	6	6	6	6	6	6	6	7	7	6	7	7	7	7	9	7	7
Beneish M-Score	-2.72	-2.26	-2.29	-2.28	-2.26	-2.14	-1.91	-1.78	-1.86	-2.07	-2.37	-2.42	-2.41	-2.41	-2.23	-2.10	-2.16	-2.24	-3.53	-3.77	-3.767
Ohlson O-Score	snapshot only																				-5.423
ROIC (Greenblatt)	snapshot only																				20.11%
Net-Net WC	snapshot only																				$-162.92

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	88.34	87.76	87.53	87.85	87.97	88.10	89.79	89.71	89.50	89.62	94.03	94.06	93.87	93.89	89.48	89.69	89.41	89.17	82.57	81.31	81.308
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				-8.384
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				82
Sector Credit Rank	snapshot only																				74

TBBK NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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