Bancorp 34 (BCTF) AI Stock Analysis

• Market Cap: $101.80M
• Dividend Yield: N/A
• Average Volume (3M): 5.52K
• Price to Earnings (P/E): 18.1
• Beta (1Y): 0.19
• Revenue Growth: 65.13%
• EPS Growth: N/A
• Country: US
• Employees: 103
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 6,665,415
• 10 Day Avg. Volume: 6,949
• 30 Day Avg. Volume: 5,520
• PEG Ratio: -0.37
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 1.55
• P/FCF Ratio: 32.12
• Enterprise Value/Market Cap: 0.73
• Enterprise Value/Revenue: 1.41
• Enterprise Value/Gross Profit: 2.01
• Enterprise Value/Ebitda: 10.99
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 56 Neutral
• Price Target: $14.50 ▲(6.62% Upside)

Bancorp 34's overall stock score is primarily impacted by its financial instability and volatility, which pose significant risks. However, positive technical indicators and a fair valuation provide some support, suggesting potential for price appreciation if financial management improves.

Bancorp 34 Business Overview & Revenue Model

Company Description

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking products and services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand deposits, NOW accounts, and individual retirement accounts, as well as certificates of deposit. The company also provides small business financing services; small business administration loans; owner-occupied real estate financing and long term financing services; working capital, equipment, and manufacturing loans; commercial real estate, multi-family, office, industrial, and construction loans, as well as financing for mobile home parks; personal and mortgage loans; lines of credit; United States Department of Agriculture loans; and investor pools of single family rentals. In addition, it offers credit and debit cards; safe deposit boxes; and merchant card processing and e-banking services. The company operates through its network of four full-service branches in Alamogordo and Las Cruces, southern New Mexico; and Scottsdale and Peoria, Arizona. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.

How the Company Makes Money

Bancorp 34 generates revenue primarily through interest income from loans and mortgages, which constitutes a significant portion of its earnings. The company issues loans to consumers and businesses, charging interest on these loans, which contributes to its overall profitability. Additionally, Bancorp 34 earns fee income from various banking services, such as account maintenance fees, transaction fees, and service charges. The bank's revenue model is heavily reliant on the interest rate spread—the difference between the interest earned on loans and the interest paid on deposits. Strategic partnerships with local businesses and community organizations also enhance Bancorp 34's visibility and customer base, potentially leading to increased deposits and loan origination.

Bancorp 34 Financial Statement Overview

Summary

Bancorp 34's financials indicate significant instability and volatility across all statements. Revenue growth is positive, but 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

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	52.30M	51.33M	28.85M	16.57M	22.19M	14.79M
Gross Profit	36.65M	8.89M	11.68M	16.60M	19.53M	14.79M
EBITDA	6.72M	4.38M	-3.27M	0.00	6.50M	2.85M
Net Income	6.36M	1.69M	-3.40M	1.33M	4.60M	1.80M
Balance Sheet
Total Assets	931.27M	921.50M	581.26M	574.34M	527.65M	441.92M
Cash, Cash Equivalents and Short-Term Investments	0.00	190.17M	28.90M	74.69M	83.42M	66.33M
Total Debt	27.24M	31.97M	55.61M	31.68M	43.91M	20.03M
Total Liabilities	839.02M	834.99M	520.54M	525.10M	486.91M	395.89M
Stockholders Equity	92.24M	86.52M	60.72M	49.24M	40.74M	46.03M
Cash Flow
Free Cash Flow	2.78M	2.47M	684.00K	9.08M	6.98M	2.96M
Operating Cash Flow	2.90M	2.97M	910.00K	9.76M	7.19M	3.03M
Investing Cash Flow	38.01M	160.13M	463.00K	-56.84M	-86.01M	-65.06M
Financing Cash Flow	-6.00M	-78.41M	10.58M	48.52M	82.34M	44.53M

Bancorp 34 Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 13.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 13.6 is below the 20-day moving average (MA) of 13.76, above the 50-day MA of 13.12, and above the 200-day MA of 12.63, indicating a neutral trend. The MACD of 0.15 indicates Positive momentum. The RSI at 49.79 is Neutral, neither overbought nor oversold. The STOCH value of 62.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BCTF.

Bancorp 34 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PROV	―	$103.13M	17.45	4.68%	3.53%	0.99%	-16.23%
MGYR	―	$109.73M	10.96	8.68%	1.70%	18.82%	35.00%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LSBK	―	$106.51M	15.41	5.94%	2.66%	2.48%	66.28%
RVSB	―	$108.51M	23.38	2.90%	1.55%	8.77%	369.81%
BCTF	―	$101.80M	18.08	6.43%	―	65.13%	―
UNB	―	$103.86M	10.91	―	6.31%	14.58%	7.73%