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 $185.29 per share. The share price was $50.58 on September 25, 2026, 73% 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% | $113.26 | +124% |
| Base | 15.0% | 9.0% | $185.29 | +266% |
| Bull | 20.0% | 8.0% | $319.42 | +532% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $239.83 | $256.83 | $277.62 | $303.60 | $337.00 |
| 8.0% | $198.86 | $209.89 | $222.92 | $238.56 | $257.67 |
| 9.0% | $169.05 | $176.59 | $185.29 | $195.44 | $207.44 |
| 10.0% | $146.45 | $151.81 | $157.89 | $164.83 | $172.85 |
| 11.0% | $128.77 | $132.70 | $137.09 | $142.03 | $147.63 |
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