Is TBBK (The Bancorp, Inc.) Halal or Haram?
The Bancorp is classified as non-compliant primarily due to its core operations in conventional banking and interest-based lending. While its debt-to-market cap ratio is acceptable at 17.2%, the company fails both the interest income screen at a massive 79.85% and the cash and securities ratio at 68.3%. Therefore, Muslim investors must avoid this stock according to AAOIFI standards.
Price Chart (5D)
TBBK — Last 7 Days
| Date | Open | High | Low | Close | Volume | Change |
|---|---|---|---|---|---|---|
| 2026-06-09 | 54.62 | 56.29 | 53.99 | 54.67 | 432K | +0.09% |
| 2026-06-08 | 54.36 | 54.75 | 54.01 | 54.23 | 315K | -0.24% |
| 2026-06-05 | 53.54 | 54.61 | 53.13 | 54.11 | 369K | +1.06% |
| 2026-06-04 | 52.94 | 54.14 | 52.94 | 53.54 | 402K | +1.13% |
| 2026-06-03 | 54.03 | 54.50 | 51.95 | 52.04 | 407K | -3.68% |
| 2026-06-02 | 54.15 | 55.03 | 54.07 | 54.56 | 390K | +0.76% |
| 2026-06-01 | 54.99 | 55.13 | 53.80 | 54.49 | 260K | -0.91% |
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Shariah Screening Details for TBBK
Business Activity
Non-Compliant
The Bancorp fails the business activity screen because its core operations as a regional bank rely heavily on interest-based lending, checking accounts, and securities-backed credit lines, which are impermissible.
Debt / Market Cap
17.16%
Interest Income
79.85%
Cash & Securities
68.26%
About The Bancorp, Inc. (TBBK)
The Bancorp, Inc. operates as a financial holding company providing conventional banking products across the United States. Its core offerings include checking and savings accounts, securities-backed lines of credit, prepaid debit cards, and commercial fleet leasing services.
For Muslim investors, TBBK is classified as Not Halal (Haram) and fails the AAOIFI shariah screening criteria. The company's fundamental business model in the regional banking sector relies heavily on riba (interest), causing it to fail the core business activity screen immediately.
From an Islamic finance perspective, the financial ratios further confirm its non-compliant status. Although the debt-to-market cap ratio passes at a reasonable 17.2%, the bank's interest income accounts for an overwhelming 79.85% of total revenue, far exceeding the 5% threshold, and its cash and securities ratio fails at 68.3%.
Because conventional banking is fundamentally incompatible with Islamic finance principles, there is no scholarly debate regarding the impermissibility of this stock. Halal investors should completely avoid TBBK and instead look toward shariah-compliant alternatives in the broader market.
CEO
Damian Kozlowski
Employees
771
IPO Date
2004-02-03
Headquarters
Wilmington, DE, US
Website
www.thebancorp.comTBBK Key Financial Statistics
Revenue
$690.5M
Net Income
$228.2M
EPS (Diluted)
$4.92
Stock Price
58.32
Beta
1.28
52-Week Range
46.51-81.65
Total Debt
$422.4M
Total Equity
$689.8M
Current Ratio
8.66
TBBK Financial Health & Profitability
Profit Margins
Revenue Growth (YoY)
-2.8%
Prior year: $710.1M
Net Debt
$414.3M
Cash: $8.0M — Debt: $422.4M
Frequently Asked Questions About TBBK
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Disclaimer
This shariah compliance assessment for TBBK (The Bancorp, Inc.) is provided for informational purposes only and does not constitute financial, investment, or religious advice. Screening criteria are based on widely accepted AAOIFI standards, but individual scholars may differ in their opinions. Always consult with a qualified Islamic scholar and licensed financial advisor before making investment decisions. Past screening status does not guarantee future compliance. Last screened: 2026-04-27.
