The Bancorp vs FB Financial

This page compares The Bancorp (Bancorp Inc) and FB Financial (FB Financial Corp.) across business models, financial performance and market context in a neutral, accessible way. It outlines each company's approach to customers, risk and growth, helping readers understand their relative positioning without advice or endorsement. Educational content, not financial advice.

This page compares The Bancorp (Bancorp Inc) and FB Financial (FB Financial Corp.) across business models, financial performance and market context in a neutral, accessible way. It outlines each compa...

About The Companies

The Bancorp (TBBK)

Bancorp Inc (ticker TBBK) is a US‑based regional bank that provides deposit accounts, commercial lending, payment processing and fintech-facing card programmes. With a market capitalisation of about $3.45bn, it sits in the mid‑cap banking cohort and mixes traditional banking income (net interest margin) with fee income from prepaid and payment services. Growth can come from expanding client partnerships and higher interest rates, while profitability is exposed to loan performance, deposit costs and regulatory pressures. Investors should watch capital ratios, loan‑loss provisions, deposit stability and the mix of fee versus interest income. The company’s fintech partnerships can accelerate revenue but may concentrate operational and compliance risk. This summary is educational and not personal financial advice; prospective investors should review up‑to‑date financial statements and consult a qualified adviser to judge suitability for their portfolio.

FB Financial (FBK)

FB Financial Corp (ticker: FBK) is a regional bank holding company that provides commercial and consumer banking, mortgage lending, treasury and wealth management services through a mix of branches and digital channels. With a market capitalisation near $2.9bn, it’s sized as a mid‑cap regional lender where interest-rate moves, loan growth and credit quality materially influence performance. Investors often watch its net interest margin, deposit trends, and provision for credit losses to gauge profitability and resilience. Regulatory oversight and local economic conditions — especially in its core markets — can drive variability in results. Balance-sheet strength and capital ratios are important when assessing downside risk, while management’s strategy on loans, deposits and capital returns affects upside. This is educational information, not personal advice: values can rise and fall and past performance is no guarantee of future returns. If you’re considering an investment, review the company’s filings and speak to a qualified financial adviser about suitability for your objectives and risk tolerance.

Comparison Snapshot

Key Financial Metrics

TBBK

Metric

FBK

$3.02B

Market Cap

$3.16B

7.10%

Potential Profit

10.41%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

The New Titans Of Finance

Capital One's acquisition of Discover Financial Services is reshaping the payments landscape, creating a larger, more competitive entity. This move signals a broader trend of consolidation in the financial sector, potentially benefiting other large banks and the payment technology firms that support them.

Published: July 23, 2025

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Which Baskets Do They Appear In?

The New Titans Of Finance

Capital One's acquisition of Discover Financial Services is reshaping the payments landscape, creating a larger, more competitive entity. This move signals a broader trend of consolidation in the financial sector, potentially benefiting other large banks and the payment technology firms that support them.

Published: July 23, 2025

Explore Basket

Investment Analysis

The Bancorp

TBBK

Pros

The Bancorp reported a revenue increase of over 10% in 2024, reflecting solid top-line growth.
The company maintains strong profitability with a net profit margin exceeding 43%.
It has a relatively healthy financial position with a moderate debt-to-equity ratio of about 54%.

Considerations

The Bancorp’s stock has shown high price volatility with a beta of 1.32, indicating above-market risk.
Analysts’ price target suggests a slight downside potential from current price levels.
No dividend payouts currently, limiting income appeal for dividend-focused investors.

FB Financial

FBK

Pros

FB Financial has a diversified business model with both banking and mortgage segments supporting revenue streams.
The company offers dividends with a current yield around 1.36%, providing income to shareholders.
Its forward price-to-earnings ratio is more attractive relative to its historical multiple, signaling improved valuation.

Considerations

FB Financial’s trailing P/E ratio is significantly high, indicating potential overvaluation based on recent earnings.
Net income is relatively modest compared to revenue, reflecting lower profitability margins than peers.
The company operates in a regionally concentrated footprint, which could limit growth opportunities and expose it to local economic risks.

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The Bancorp

Pros

Considerations

FB Financial

Pros

Considerations

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Frequently asked questions

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The Bancorp vs FB Financial

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Comparison Snapshot

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Pros

Considerations

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Pros

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Frequently asked questions

What do revenue growth and profit margins tell us in a stock comparison?

How should a debt‑to‑equity ratio be interpreted in this comparison?

What does volatility tell us when beta is above 1?

How should dividend yield influence the evaluation of these stocks?

What is forward versus trailing price‑to‑earnings (P/E) telling us?

How do diversified business models affect risk and resilience?

Why is regional concentration a factor in growth potential?

What does a price target imply for future performance analysis?

How do macro factors interact with sector performance in this compare?

How should a beginner approach reading these metrics side‑by‑side?

What is the educational scope of this page’s comparison

About The Companies

Comparison Snapshot