Bancorp 34 (BCTF) AI Stock Analysis

• Market Cap: $100.68M
• Dividend Yield: N/A
• Average Volume (3M): 1.82K
• Price to Earnings (P/E): 15.1
• Beta (1Y): 0.21
• Revenue Growth: 11.70%
• EPS Growth: N/A
• Country: US
• Employees: 103
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.32
• Shares Outstanding: 6,665,415
• 10 Day Avg. Volume: 1,991
• 30 Day Avg. Volume: 1,825
• 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: 1.06
• Enterprise Value/Revenue: 2.05
• Enterprise Value/Gross Profit: 2.92
• Enterprise Value/Ebitda: 11.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: $14.50 ▲(7.81% 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.

Positive Factors

Community Focus

Bancorp 34's emphasis on community involvement and partnerships can drive customer loyalty and sustainable growth by strengthening local market ties.

Stable Gross Profit Margin

A stable gross profit margin suggests effective cost management, which supports profitability and competitive positioning over time.

Revenue Growth

Bancorp 34's strong revenue growth indicates successful market penetration and product demand, which can enhance long-term financial stability.

Negative Factors

Cash Flow Challenges

Cash flow variability can hinder Bancorp 34's ability to invest in growth opportunities and meet financial obligations, affecting long-term viability.

Inconsistent Profitability

Inconsistent profitability undermines Bancorp 34's ability to generate reliable earnings, affecting investor confidence and strategic planning.

Financial Instability

Financial instability, reflected in fluctuating equity and leverage, poses long-term risks to Bancorp 34's operational and financial resilience.

Bancorp 34 Business Overview & Revenue Model

Company Description

Bancorp 34, Inc. (BCTF) is a financial services holding company based in the United States, primarily engaged in providing banking products and services through its wholly-owned subsidiary, 34 Bank. The company operates in the banking sector, offering a range of services including personal and business checking and savings accounts, loans, mortgages, and online banking solutions. Bancorp 34 aims to serve both individual consumers and small to medium-sized businesses, focusing on delivering quality customer service and financial solutions tailored to their clients' needs.

How the Company Makes Money

Bancorp 34 generates revenue primarily through interest income earned on loans, mortgages, and other financial products. The company lends money to consumers and businesses at a higher interest rate than the rates it pays on deposits, creating a spread that constitutes a major portion of its earnings. Additionally, Bancorp 34 earns fee income from various services, including account maintenance fees, transaction fees, and service charges associated with its banking products. The bank may also generate revenue from investment securities and other financial activities. Strong relationships with local businesses and community engagement further enhance its customer base, contributing positively to its overall revenue.

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.

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	24.33M	22.19M	20.69M
Gross Profit	36.69M	26.01M	11.68M	16.60M	19.53M	15.03M
EBITDA	9.72M	3.01M	-3.27M	1.88M	4.84M	2.85M
Net Income	6.36M	1.69M	-3.40M	1.33M	4.60M	1.80M
Balance Sheet
Total Assets	931.27M	918.10M	581.26M	574.34M	527.65M	441.92M
Cash, Cash Equivalents and Short-Term Investments	0.00	190.17M	83.87M	74.69M	75.15M	66.33M
Total Debt	27.24M	31.97M	55.61M	31.68M	43.91M	20.03M
Total Liabilities	839.02M	831.58M	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: Positive
• Last Price: 13.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 13.45 is above the 20-day moving average (MA) of 13.28, above the 50-day MA of 13.44, and above the 200-day MA of 12.60, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 56.90 is Neutral, neither overbought nor oversold. The STOCH value of 74.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCTF.

Bancorp 34 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNB	75 Outperform	$108.88M	9.58	15.11%	6.06%	14.52%	27.90%
MGYR	69 Neutral	$114.50M	11.35	8.51%	1.80%	12.08%	29.55%
LSBK	68 Neutral	$113.91M	16.50	5.94%	2.12%	2.27%	66.15%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PROV	63 Neutral	$103.39M	17.70	4.68%	3.51%	0.99%	-16.23%
RVSB	61 Neutral	$109.98M	23.65	2.90%	1.51%	8.77%	369.81%
BCTF	56 Neutral	$100.68M	15.11	7.15%	―	11.70%	―