Bancorp 34, Inc. (BCTF)
OTHER OTC:BCTF
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Bancorp 34
(OTC:BCTF)
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Rating:66Neutral
Price Target:
$15.00
▲(10.62% Upside)
Action:ReiteratedDate:10/28/25
BCTF's overall stock score of 66 reflects a balanced outlook driven primarily by solid financial performance, with strong revenue growth and a stable balance sheet, though tempered by moderate profitability and cash flow inconsistencies. Positive technical momentum further supports the score, while a fair but unremarkable valuation slightly limits upside potential.
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.
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.
Read all positive and negative factors
Positive Factors
Negative Factors
Community Focus
Bancorp 34's emphasis on community involvement and partnerships can drive customer loyalty and sustainable growth by strengthening local market ties.
Read all positive factors
Bancorp 34 (BCTF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$109.92M
Dividend YieldN/A
Average Volume (3M)1.82K
Price to Earnings (P/E)13.9
Beta (1Y)0.20
Revenue Growth11.70%
EPS GrowthN/A
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 Ratio-0.37
Price to Book (P/B)0.92
Price to Sales (P/S)1.55
P/FCF Ratio32.12
Enterprise Value/Market Cap1.11
Enterprise Value/Revenue2.33
Enterprise Value/Gross Profit3.32
Enterprise Value/Ebitda12.52
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. 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, mo...
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 s...
Bancorp 34 Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| 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
Positive
13.56
Price Trends
15.01
Negative
14.26
Positive
13.56
Positive
Market Momentum
0.02
Positive
52.09
Neutral
39.39
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 14.99, below the 50-day MA of 15.01, and below the 200-day MA of 13.56, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 52.09 is Neutral, neither overbought nor oversold. The STOCH value of 39.39 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $112.85M | 8.83 | 9.18% | 1.81% | 8.55% | 25.21% | |
76 Outperform | $123.03M | 14.60 | 6.26% | 2.12% | 6.16% | 67.77% | |
68 Neutral | $109.01M | 18.95 | 4.77% | 3.50% | -1.95% | -3.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $109.92M | 13.88 | 7.16% | ― | 11.70% | ― | |
60 Neutral | $106.45M | -3.53 | 2.98% | 1.51% | -11.57% | -191.02% | |
60 Neutral | $109.77M | 9.35 | 15.47% | 6.08% | 11.37% | 29.58% |
* Financial Sector Average
BCTF
Bancorp 34
14.95
3.12
26.37%
LSBK
Lake Shore Bancorp
15.89
5.07
46.95%
MGYR
Magyar Bancorp
17.42
3.59
25.93%
PROV
Provident Financial Holdings
17.10
2.23
15.03%
RVSB
Riverview Bancorp
5.14
-1.14
-18.10%
UNB
Union Bankshares
23.79
-8.63
-26.63%
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.