Bancorp 34, Inc. (BCTF)
OTHER OTC:BCTF
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Bancorp 34
(OTC:BCTF)
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Rating:64Neutral
Price Target:
$16.00
▲(17.99% Upside)
Action:Reiterated
Date:05/26/26
The score is driven primarily by improved financial performance (earnings and capital position rebounding into 2024–2025), partially offset by uneven cash-flow conversion and prior volatility. Technical indicators are currently cautious, and valuation appears fair based on the provided P/E with no dividend yield data to add support.
Positive Factors
Improved Capital Position
Material 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.
Negative Factors
Inconsistent Cash Conversion
Operating 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Capital Position
Material 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.
Read all positive factors
Bancorp 34 (BCTF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$109.55M
Dividend YieldN/A
Average Volume (3M)1.82K
Price to Earnings (P/E)15.2
Beta (1Y)0.20
Revenue Growth-6.93%
EPS Growth30.25%
CountryUS
Employees103
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.14
Enterprise Value/Revenue2.39
Enterprise Value/Gross Profit3.40
Enterprise Value/Ebitda12.83
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
Bancorp 34 Business Overview & Revenue Model
Company Description
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 varie...
How the Company Makes Money
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Bancorp 34 Financial Statement Overview
Summary
Income Statement
73
Positive
Balance Sheet
71
Positive
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 52.30M | 54.14M | 51.33M | 28.85M | 24.33M | 22.19M |
| Gross Profit | 36.69M | 36.27M | 26.01M | 11.68M | 16.60M | 19.53M |
| EBITDA | 9.72M | 11.07M | 3.01M | -3.27M | 1.88M | 4.84M |
| Net Income | 6.36M | 7.86M | 1.69M | -3.40M | 1.33M | 4.60M |
Balance Sheet | ||||||
| Total Assets | 931.27M | 900.26M | 918.10M | 581.26M | 574.34M | 527.65M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 34.76M | 190.17M | 83.87M | 74.69M | 75.15M |
| Total Debt | 27.24M | 30.39M | 31.97M | 55.61M | 31.68M | 43.91M |
| Total Liabilities | 839.02M | 803.44M | 831.58M | 520.54M | 525.10M | 486.91M |
| Stockholders Equity | 92.24M | 96.82M | 86.52M | 60.72M | 49.24M | 40.74M |
Cash Flow | ||||||
| Free Cash Flow | 2.78M | 4.17M | 2.47M | 684.00K | 9.08M | 6.98M |
| Operating Cash Flow | 2.90M | 4.48M | 2.97M | 910.00K | 9.76M | 7.19M |
| Investing Cash Flow | 38.01M | -50.47M | 160.13M | 463.00K | -56.84M | -86.01M |
| Financing Cash Flow | -6.00M | -32.85M | -78.41M | 10.58M | 48.52M | 82.34M |
Bancorp 34 Technical Analysis
Positive
13.56
Price Trends
14.94
Negative
14.81
Positive
14.04
Positive
Market Momentum
-0.02
Negative
50.63
Neutral
41.27
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCTF, the sentiment is Positive. The current price of 13.56 is below the 20-day moving average (MA) of 14.88, below the 50-day MA of 14.94, and below the 200-day MA of 14.04, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 50.63 is Neutral, neither overbought nor oversold. The STOCH value of 41.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCTF.
Bancorp 34 Risk Analysis
Bancorp 34 disclosed 57 risk factors in its most recent earnings report. Bancorp 34 reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
The suspension of our obligation to file current, quarterly and annual reports with the SEC under Section 15(d) of the Exchange Act will result in less information about our financial condition and results of operations being readily available to the public and have other potentially adverse consequences to holders of our common stock. Q4, 2024
Bancorp 34 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $111.48M | 9.56 | 9.18% | 1.81% | 8.55% | 25.00% | |
73 Outperform | $125.00M | 14.67 | 6.30% | 2.12% | 6.16% | 68.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $106.69M | 17.82 | 4.77% | 3.50% | -1.84% | -3.36% | |
64 Neutral | $109.55M | 15.20 | 8.54% | ― | -6.93% | 30.25% | |
60 Neutral | $119.09M | -27.38 | -2.73% | 1.51% | -11.57% | -191.02% | |
59 Neutral | $108.34M | 9.34 | 14.94% | 6.08% | 11.40% | 29.64% |
* Financial Sector Average
BCTF
Bancorp 34
14.90
2.89
24.06%
LSBK
Lake Shore Bancorp
16.14
4.79
42.22%
MGYR
Magyar Bancorp
17.25
1.68
10.77%
PROV
Provident Financial Holdings
17.06
2.24
15.11%
RVSB
Riverview Bancorp
5.75
0.41
7.68%
UNB
Union Bankshares
23.48
-3.36
-12.51%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.