What is Bancorp, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on Bancorp, Inc.'s reported free cash flow gives $185.47 per share. The share price was $48.67 on November 10, 2026, 74% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | 10.0% | 10.0% | $113.44 | +133% |
| Base | 15.0% | 9.0% | $185.47 | +281% |
| Bull | 20.0% | 8.0% | $319.60 | +557% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $240.01 | $257.01 | $277.79 | $303.77 | $337.18 |
| 8.0% | $199.04 | $210.07 | $223.10 | $238.74 | $257.85 |
| 9.0% | $169.23 | $176.77 | $185.47 | $195.62 | $207.61 |
| 10.0% | $146.63 | $151.99 | $158.07 | $165.01 | $173.02 |
| 11.0% | $128.94 | $132.87 | $137.27 | $142.21 | $147.81 |
Where the presets come from
Base: years 1 to 5 grow at Bancorp, Inc.'s revenue growth rate over the last 5 fiscal years (81.8% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions