Bancorp 34 (BCTF) AI Stock Analysis

• Market Cap: $81.74M
• Dividend Yield: N/A
• Average Volume (3M): 2.45K
• Price to Earnings (P/E): 155.1
• Beta (1Y): 0.31
• Revenue Growth: 95.63%
• EPS Growth: N/A
• Country: US
• Employees: 103
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.07
• Shares Outstanding: 6,665,415
• 10 Day Avg. Volume: 590
• 30 Day Avg. Volume: 2,450
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.49
• Price to Cash Flow (P/CF): 34.60
• P/FCF Ratio: 5.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

BCTF's overall score reflects significant financial instability, with inconsistent profitability and balance sheet risks. Technical analysis provides limited positive signals, while valuation remains a concern due to unprofitability and lack of dividends. Without favorable earnings guidance or corporate events, the stock remains a high-risk investment.

Bancorp 34 Business Overview & Revenue Model

Company Description

Bancorp 34, Inc. (BCTF) is a financial services company operating primarily within the banking sector. It is the holding company for Bank 34, which offers a range of banking products and services to individual and commercial clients. The company's core services include traditional deposit products, residential and commercial mortgages, consumer and business loans, and other financial services designed to meet the needs of its community-based clientele.

How the Company Makes Money

Bancorp 34 generates revenue primarily through the interest income from its loan portfolio, which includes residential and commercial mortgages, and consumer and business loans. Additionally, the company earns money from interest on investment securities. Non-interest income, derived from service charges on deposit accounts, loan origination fees, and other financial services, also contributes to its earnings. Bancorp 34's financial performance is influenced by factors such as interest rates, economic conditions, and its ability to maintain and expand its customer base through competitive banking products and services.

Bancorp 34 Financial Statement Overview

Summary

BCTF's financial performance shows significant instability. Revenue growth is positive, but profitability is inconsistent, with fluctuating net income. The balance sheet reflects financial risk, with stockholders' equity dropping to zero in 2024 and historical fluctuations in leverage. Cash flow also poses challenges due to inconsistent free cash flow growth and operational efficiency.

Income Statement

The income statement shows volatility, with a significant increase in revenue in 2024 compared to prior years. Gross profit margin remains stable, but EBIT and net profit margins have been inconsistent, showing both losses and gains over the years. Revenue growth is positive, but profitability remains a concern due to fluctuating net income.

Balance Sheet

The balance sheet indicates high volatility, with stockholders' equity dropping to zero in 2024. Despite having no total debt in 2024, the previous years showed fluctuations in leverage. The equity ratio has decreased, indicating potential financial instability. Overall, the balance sheet reflects financial risk and instability.

Cash Flow

Cash flow analysis shows inconsistent free cash flow growth, with significant cash flow from investing and financing activities. Free cash flow and operating cash flow have varied, impacting the overall liquidity and operational efficiency. The cash flow statement highlights the challenges in maintaining stable cash flow.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
50.78M	11.68M	19.18M	20.03M	16.98M
	Gross Profit
50.78M	11.68M	19.18M	20.03M	16.98M
	EBIT
48.62M	-3.27M	10.32M	4.27M	2.29M
	EBITDA
0.00	-3.27M	0.00	6.50M	2.85M
	Net Income Common Stockholders
1.69M	-3.40M	4.01M	3.40M	1.80M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
4.42M	28.90M	74.69M	83.42M	66.33M
	Total Assets
918.10M	581.26M	575.56M	527.65M	441.92M
	Total Debt
31.97M	55.61M	31.68M	43.92M	20.03M
	Net Debt
-4.42M	28.42M	15.57M	28.41M	8.05M
	Total Liabilities
831.58M	520.54M	524.87M	486.91M	395.89M
	Stockholders Equity
66.10M	60.72M	50.69M	40.74M	46.03M
Cash Flow		Free Cash Flow
2.97M	684.00K	9.08M	6.98M	2.96M
	Operating Cash Flow
2.97M	910.00K	9.76M	7.19M	3.03M
	Investing Cash Flow
160.13M	463.00K	-56.84M	-86.01M	-65.06M
	Financing Cash Flow
-78.41M	10.58M	48.52M	82.34M	44.53M

Bancorp 34 Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.92
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCTF, the sentiment is Negative. The current price of 10.92 is below the 20-day moving average (MA) of 11.89, below the 50-day MA of 12.80, and below the 200-day MA of 11.76, indicating a bearish trend. The MACD of -0.57 indicates Positive momentum. The RSI at 23.86 is Positive, neither overbought nor oversold. The STOCH value of 9.05 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BCTF.

Bancorp 34 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	77 Outperform	$90.39M	10.82	7.53%	1.50%	23.47%	10.77%
LSBK	69 Neutral	$81.86M	16.47	5.60%	4.98%	4.44%	3.99%
IROQ	65 Neutral	$78.78M	25.30	4.00%	1.70%	19.70%	53.15%
UBCP	65 Neutral	$78.94M	10.38	11.23%	5.40%	7.53%	-19.74%
Sector *	63 Neutral	$12.00B	9.27	8.14%	79.61%	12.85%	-5.12%
BCTF	44 Neutral	$81.74M	155.11	2.30%	―	95.63%	―
BSBK	41 Neutral	$90.17M	―	-1.58%	―	-11.26%	-460.04%