Bancorp 34 (BCTF) AI Stock Analysis

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Bancorp 34

(OTC:BCTF)

Rating:41Neutral

Price Target:―

Bancorp 34's overall score is primarily impacted by its unstable financial performance, as highlighted by inconsistent profitability and a volatile balance sheet. Technical indicators suggest caution due to the potential overbought conditions and weak momentum. The high P/E ratio further points to significant overvaluation, lowering the attractiveness of the stock.

Bancorp 34 (BCTF) vs. SPDR S&P 500 ETF (SPY)

Market Cap

$90.99M

Dividend YieldN/A

Average Volume (3M)3.60K

Price to Earnings (P/E)16.2

Beta (1Y)0.30

Revenue Growth65.13%

EPS GrowthN/A

CountryUS

Employees103

SectorFinancial

Sector Strength81

IndustryBanks - Regional

Share Statistics

EPS (TTM)0.31

Shares Outstanding6,665,415

10 Day Avg. Volume2,189

30 Day Avg. Volume3,600

Financial Highlights & Ratios

PEG Ratio0.22

Price to Book (P/B)0.63

Price to Sales (P/S)0.00

P/FCF Ratio3.53

Enterprise Value/Market Cap0.52

Enterprise Value/Revenue0.62

Enterprise Value/Gross Profit1.79

Enterprise Value/Ebitda-4.23

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

Bancorp 34 Business Overview & Revenue Model

Company DescriptionBancorp 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 MoneyBancorp 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

Bancorp 34's financials indicate significant instability and volatility across all statements. While there is growth in revenue, profitability is inconsistent, and the balance sheet poses concerns with its fluctuating equity and leverage positions. Cash flow challenges further add to the company's financial risk, suggesting a need for stronger financial management and strategic improvements.

Income Statement

Neutral

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

Negative

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

Negative

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	29.84M	15.90M	19.02M	20.03M	16.98M
Gross Profit	8.89M	15.90M	19.18M	20.03M	16.98M
EBITDA	0.00	-3.27M	0.00	6.50M	2.85M
Net Income	1.69M	-3.40M	1.33M	3.40M	1.80M
Balance Sheet
Total Assets	921.50M	581.26M	574.34M	527.65M	441.92M
Cash, Cash Equivalents and Short-Term Investments	190.17M	28.90M	74.69M	83.42M	66.33M
Total Debt	31.97M	55.61M	31.68M	43.91M	20.03M
Total Liabilities	834.99M	520.54M	525.10M	486.91M	395.89M
Stockholders Equity	86.52M	60.72M	49.24M	40.74M	46.03M
Cash Flow
Free Cash Flow	2.47M	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

Neutral

Last Price12.16

Price Trends

50DMA

12.10

Positive

100DMA

12.37

Negative

200DMA

12.22

Negative

Market Momentum

MACD

0.04

Negative

RSI

51.41

Neutral

STOCH

68.93

Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCTF, the sentiment is Neutral. The current price of 12.16 is above the 20-day moving average (MA) of 12.07, above the 50-day MA of 12.10, and below the 200-day MA of 12.22, indicating a neutral trend. The MACD of 0.04 indicates Negative momentum. The RSI at 51.41 is Neutral, neither overbought nor oversold. The STOCH value of 68.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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

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

Overall Rating

UnderperformOutperform

Sector (67)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	70 Outperform	$108.58M	11.79	8.11%	1.44%	20.91%	20.30%
MGYR	70 Outperform	$108.58M	11.79	8.11%	1.44%	20.91%	20.30%
Sector *	67 Neutral	$16.89B	11.79	9.73%	3.75%	11.97%	-8.33%
LSBK	66 Neutral	$91.86M	18.64	5.61%	4.52%	1.62%	21.82%
LSBK	66 Neutral	$91.86M	18.64	5.61%	4.52%	1.62%	21.82%
UBCP	62 Neutral	$85.81M	12.01	11.29%	5.19%	5.81%	-22.37%
UBCP	62 Neutral	$85.81M	12.01	11.29%	5.19%	5.81%	-22.37%
IROQ	56 Neutral	$81.78M	23.88	4.35%	1.65%	11.65%	67.39%
IROQ	56 Neutral	$81.78M	23.88	4.35%	1.65%	11.65%	67.39%
BSBK	48 Neutral	$103.29M	―	-0.73%	―	-9.96%	-23.54%
BSBK	48 Neutral	$103.29M	―	-0.73%	―	-9.96%	-23.54%
BCTF	41 Neutral	$90.99M	16.16	6.43%	―	65.13%	―

* Financial Sector Average

Performance Comparison

BCTF

Bancorp 34

12.16

2.71

28.68%

IROQ

IF Bancorp

24.40

8.18

50.43%

IROQ

IF Bancorp

24.40

8.18

50.43%

LSBK

Lake Shore Bancorp

16.20

4.82

42.36%

LSBK

Lake Shore Bancorp

16.20

4.82

42.36%

MGYR

Magyar Bancorp

16.78

5.73

51.86%

MGYR

Magyar Bancorp

16.78

5.73

51.86%

UBCP

United Bancorp

14.81

3.52

31.18%

UBCP

United Bancorp

14.81

3.52

31.18%

BSBK

Bogota Financial

8.01

1.26

18.67%

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.Date of analysis: May 02, 2025