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Bancorp 34 (BCTF) Price & Analysis

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BCTF Stock Chart & Stats

$13.56

$0.00(0.00%)

At close: Jan 07 4:00 PM EST

$13.56

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$12.06 - $15.98

Previous CloseN/A

Volume1.10K

Average Volume (3M)1.82K

Market Cap

$111.79M

Enterprise Value$125.52M

Total Cash (Recent Filing)$3.65M

Total Debt (Recent Filing)$27.24M

Price to Earnings (P/E)15.5

Beta0.19

Next Earnings

Aug 06, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.87

Shares Outstanding6,665,415

10 Day Avg. Volume1,991

30 Day Avg. Volume1,825

Financial Highlights & Ratios

PEG Ratio0.04

Price to Book (P/B)1.04

Price to Sales (P/S)1.85

P/FCF Ratio24.06

Enterprise Value/Market Cap1.12

Enterprise Value/Revenue2.40

Enterprise Value/Gross Profit3.42

Enterprise Value/Ebitda12.91

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Improved Capital PositionMaterial deleveraging and a larger equity base materially strengthen the bank's loss-absorbing capacity and regulatory headroom. Lower debt and a ~0.37x debt/equity profile reduce refinancing risk and support lending capacity and strategic flexibility over the medium term.

Revenue And Earnings TurnaroundA clear step-up in revenue and a swing to meaningful net income signal restored core franchise performance. Sustained revenue growth and profitability recovery provide internally generated capital, demonstrate operational leverage and improve prospects for consistent earnings over coming quarters.

Improving Free Cash FlowA return to positive, growing free cash flow enhances financial flexibility—enabling continued deleveraging, reinvestment in the business, or funding reserves. Consistent FCF supports sustainable operations and reduces reliance on external funding across the medium term.

Bears Say

Inconsistent Cash ConversionOperating cash flow lagging reported earnings and a history of swings weakens predictability of internal funding. Inconsistent cash conversion constrains the bank's ability to reliably fund loan growth, reserves, or capital returns without raising external financing under stress.

Earnings And Margin VolatilityMarked margin and earnings variability indicate sensitivity to credit cycles and spread movement. Such volatility complicates planning, increases provisioning risk during downturns, and means durable profitability depends on stable spreads and underwriting performance.

Large Asset Base Requires QualityA sizable asset base relative to equity elevates the importance of asset quality and interest-spread management. If credit conditions or spreads deteriorate, losses could outpace current capital cushions; sustained performance requires disciplined underwriting and reserve management.

Bancorp 34 News

Bancorp 34 Announces Successful Merger with CBOA Financial

The latest update is out from Bancorp 34, Inc. (BCTF). Bancorp 34 successfully completed its merger with CBOA...

2y ago

BCTF

BCTF FAQ

What was Bancorp 34, Inc.’s price range in the past 12 months?

Bancorp 34, Inc. lowest stock price was $12.06 and its highest was $15.98 in the past 12 months.

What is Bancorp 34, Inc.’s market cap?

Bancorp 34, Inc.’s market cap is $111.79M.

When is Bancorp 34, Inc.’s upcoming earnings report date?

Bancorp 34, Inc.’s upcoming earnings report date is Aug 06, 2026 which is in 35 days.

How were Bancorp 34, Inc.’s earnings last quarter?

Bancorp 34, Inc. released its earnings results on Apr 27, 2026. The company reported $0.225 earnings per share for the quarter, beating the consensus estimate of N/A by $0.225.

Is Bancorp 34, Inc. overvalued?

According to Wall Street analysts Bancorp 34, Inc.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Bancorp 34, Inc. pay dividends?

Bancorp 34, Inc. pays a Quarterly dividend of $0.07 which represents an annual dividend yield of N/A. See more information on Bancorp 34, Inc. dividends here

What is Bancorp 34, Inc.’s EPS estimate?

Bancorp 34, Inc.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Bancorp 34, Inc. have?

Bancorp 34, Inc. has 6,665,415 shares outstanding.

What happened to Bancorp 34, Inc.’s price movement after its last earnings report?

Bancorp 34, Inc. reported an EPS of $0.225 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of Bancorp 34, Inc.?

Currently, no hedge funds are holding shares in BCTF

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Bancorp 34 Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

8.54%

Trailing 12-Months

Asset Growth

-2.61%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Bancorp 34, Inc.

Bancorp 34, Inc. serves as the holding company for Bank 34, a financial institution that provides a broad spectrum of banking products and services to individuals and businesses throughout the United States. Its deposit offerings encompass a variety of account types, including savings, checking, money market, demand, and NOW accounts, in addition to individual retirement accounts (IRAs) and certificates of deposit. The company also extends a wide array of lending and financing options. These include funding for small businesses, notably Small Business Administration (SBA) loans, alongside working capital, equipment, and manufacturing loans. For real estate, it finances owner-occupied properties, offers long-term financing, and provides loans for commercial real estate, multi-family units, office buildings, industrial facilities, and construction projects, including mobile home parks. Further credit solutions feature personal and mortgage loans, flexible lines of credit, United States Department of Agriculture (USDA) loans, and capital for investor pools of single-family rental properties. Beyond these core services, customers can access credit and debit cards, secure safe deposit boxes, merchant card processing, and convenient e-banking services. The bank conducts its operations through a network of four full-service branches. These are situated in Alamogordo and Las Cruces in southern New Mexico, and in Scottsdale and Peoria, Arizona. Established in 1934, Bancorp 34, Inc. maintains its corporate headquarters in Scottsdale, Arizona.