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Bancorp 34, Inc. (BCTF)
OTHER OTC:BCTF
US Market
BCTF
Bancorp 34
RESEARCH TOOLSreports
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Bancorp 34 (BCTF) Ratios

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Bancorp 34 Ratios

BCTF's free cash flow for Q2 2025 was $1.00. For the 2025 fiscal year, BCTF's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 40.44 0.25 0.20 0.17
Quick Ratio
 0.00 40.44 0.25 0.20 0.17
Cash Ratio
 0.00 36.36 0.14 0.06 0.03
Solvency Ratio
 <0.01 0.01 <0.01 >-0.01 <0.01
Operating Cash Flow Ratio
 0.00 4.83 <0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 4.83 2.75 0.03 1.88
Net Current Asset Value
$ -814.71M$ -765.95M$ -634.57M$ -430.81M$ -443.95M
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.03 0.03 0.10 0.06
Debt-to-Equity Ratio
 0.28 0.31 0.37 0.92 0.64
Debt-to-Capital Ratio
 0.22 0.24 0.27 0.48 0.39
Long-Term Debt-to-Capital Ratio
 0.22 0.22 0.24 0.29 0.33
Financial Leverage Ratio
 9.36 9.30 10.61 9.57 11.66
Debt Service Coverage Ratio
 0.35 0.40 0.18 -0.07 0.17
Interest Coverage Ratio
 0.56 0.46 0.03 -0.30 0.26
Debt to Market Cap
 0.26 0.28 0.36 1.53 0.93
Interest Debt Per Share
 6.53 7.04 7.95 18.76 15.69
Net Debt to EBITDA
 2.64 -0.30 -26.46 -8.69 8.30
Profitability Margins
Gross Profit Margin
70.69%67.00%50.68%40.49%68.21%
EBIT Margin
18.26%18.38%1.20%-13.36%5.70%
EBITDA Margin
18.26%20.45%5.86%-11.34%7.71%
Operating Profit Margin
23.49%18.38%1.20%-13.36%5.70%
Pretax Profit Margin
18.26%18.38%1.20%-13.36%5.70%
Net Profit Margin
14.59%14.52%3.29%-11.79%5.47%
Continuous Operations Profit Margin
14.59%14.52%3.29%-11.79%5.47%
Net Income Per EBT
79.87%79.01%274.63%88.25%95.82%
EBT Per EBIT
77.74%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.78%0.87%0.18%-0.59%0.23%
Return on Equity (ROE)
7.54%8.12%1.95%-5.60%2.70%
Return on Capital Employed (ROCE)
1.26%1.11%0.49%-3.18%1.60%
Return on Invested Capital (ROIC)
1.01%0.87%0.49%-2.26%1.45%
Return on Tangible Assets
0.79%0.88%0.19%-0.59%0.23%
Earnings Yield
6.57%7.83%2.13%-9.65%4.15%
Efficiency Ratios
Receivables Turnover
 18.68 19.85 19.64 18.07 16.17
Payables Turnover
 0.00 0.00 0.00 0.00 1.43
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.47 5.05 4.11 3.15 2.40
Asset Turnover
 0.05 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 2.37 -0.19 -0.11 -0.07 -0.06
Cash Conversion Cycle
 19.54 18.38 18.58 20.20 -233.17
Days of Sales Outstanding
 19.54 18.38 18.58 20.20 22.58
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 255.75
Operating Cycle
 19.54 18.38 18.58 20.20 22.58
Cash Flow Ratios
Operating Cash Flow Per Share
 0.09 0.61 0.44 0.25 4.14
Free Cash Flow Per Share
 0.05 0.57 0.37 0.19 3.85
CapEx Per Share
 0.04 0.04 0.07 0.06 0.29
Free Cash Flow to Operating Cash Flow
 0.59 0.93 0.83 0.75 0.93
Dividend Paid and CapEx Coverage Ratio
 2.43 14.50 3.58 1.03 7.05
Capital Expenditure Coverage Ratio
 2.43 14.50 5.95 4.03 14.27
Operating Cash Flow Coverage Ratio
 0.02 0.15 0.09 0.02 0.31
Operating Cash Flow to Sales Ratio
 0.01 0.08 0.06 0.03 0.40
Free Cash Flow Yield
0.36%4.16%3.11%1.94%28.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.54 12.74 47.28 -10.36 24.12
Price-to-Sales (P/S) Ratio
 2.12 1.85 1.55 1.22 1.32
Price-to-Book (P/B) Ratio
 1.15 1.04 0.92 0.58 0.65
Price-to-Free Cash Flow (P/FCF) Ratio
 285.21 24.06 32.12 51.55 3.53
Price-to-Operating Cash Flow Ratio
 180.69 22.40 26.72 38.75 3.29
Price-to-Earnings Growth (PEG) Ratio
 0.51 0.04 -0.37 0.04 -0.36
Price-to-Fair Value
 1.15 1.04 0.92 0.58 0.65
Enterprise Value Multiple
 14.27 8.77 -0.03 -19.46 25.39
Enterprise Value
 125.52M 97.04M -84.96K 63.69M 47.65M
EV to EBITDA
 13.91 8.77 -0.03 -19.46 25.39
EV to Sales
 2.54 1.79 >-0.01 2.21 1.96
EV to Free Cash Flow
 341.09 23.26 -0.03 93.11 5.25
EV to Operating Cash Flow
 200.51 21.66 -0.03 69.98 4.88
Tangible Book Value Per Share
 12.58 12.33 11.74 16.62 20.88
Shareholders’ Equity Per Share
 13.35 13.15 12.87 16.62 20.88
Tax and Other Ratios
Effective Tax Rate
 0.20 0.21 -1.75 0.12 0.04
Revenue Per Share
 6.72 7.35 7.64 7.90 10.32
Net Income Per Share
 0.98 1.07 0.25 -0.93 0.56
Tax Burden
 0.80 0.79 2.75 0.88 0.96
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.33 0.28 0.27 0.22 0.39
Stock-Based Compensation to Revenue
 0.01 0.00 0.02 <0.01 0.01
Income Quality
 0.13 0.57 1.76 -0.27 7.34
Currency in USD