BCTF

Bancorp 34, Inc.

Price Chart

Latest Quote

$14.85

+0.00 (+0.00%)

Current Price

Previous Close	$14.85
Open	$14.90
Day High	$14.90
Day Low	$14.90
Volume	1,000

Fetched: 2026-06-05T02:46:16

Stock Information

Shares Outstanding	6.82M
Total Debt	$27.30M
Cash Equivalents	$65.94M
Revenue	$34.97M
Net Income	$7.21M
Sector	Financial Services
Industry	Banks - Regional
Market Cap	$101.31M
P/E Ratio	17.07
EPS (TTM)	$0.87
Exchange	OID

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📊 Comprehensive Analysis

Company Data

Enterprise Value	$73.01M
Sales	$34.97M
Income	$7.21M
Book/sh	$13.05
Cash/sh	$9.67

Financial Ratios

EPS Growth TTM

-28.30%

Returns & Margins

ROA	0.77%
ROE	7.66%
Operating Margin	24.50%
Profit Margin	20.61%

Ownership

Institutional Ownership	3.14%
Insider & Institutional transactions data not available

Valuation Ratios

P/S	2.90
P/B	1.14

Analyst Data

Recommendation

none

Technical Indicators

SMA20	$14.88
SMA50	$14.94
SMA200	$14.00
RSI	40.00
ATR	0.0442

Shares Float	6.70M
Short Ratio	0.04
Volatility	0.16
Rel Volume	1.72

Performance History

Week	+0.34%
Month	-0.67%
Quarter	-2.30%
6 Months	+12.50%
YTD	+8.79%
Year	+19.23%
3 Years	+58.40%
5 Years	+23.02%
10 Years	+57.89%

Stock Score: ⭐ Premium

Based on debt, profitability, growth, and cash flow metrics

⭐ Premium Feature

Recent Price History

Date	Close	Volume
2026-06-03	$14.85	3,000
2026-06-02	$14.85	3,500
2026-06-01	$14.84	2,500
2026-05-29	$14.80	0
2026-05-28	$14.80	0
2026-05-27	$14.80	300
2026-05-26	$14.80	0
2026-05-22	$14.80	700
2026-05-21	$14.95	0
2026-05-20	$14.95	1,800
2026-05-19	$14.80	1,600
2026-05-18	$14.85	100
2026-05-15	$14.85	4,000
2026-05-14	$14.95	0
2026-05-13	$14.95	9,300
2026-05-12	$15.00	5,000
2026-05-11	$14.95	400
2026-05-08	$14.95	2,500
2026-05-07	$14.95	200
2026-05-06	$14.95	0
2026-05-05	$14.95	2,100

About Bancorp 34, Inc.

Bancorp 34, Inc. operates as the holding company for Southwest Heritage Bank that offers various banking products and services to individuals and businesses in the United States. The company accepts various deposit products comprising noninterest bearing accounts, interest-bearing demand products, savings accounts, NOW and time deposits, money market accounts, and certificates of deposit. It also provides variable and fixed rate commercial loans to small-and medium-sized manufacturing, wholesale, retail and service businesses for working capital needs and business expansion; commercial real estate loans; multifamily loans; construction and land development loans comprising residential and commercial construction, and land acquisition, and development loans, as well as residential real estate loans; consumer loans, such as direct personal and automobile; and lines of credit and loans. In addition, the company offers online banking and bill payment services, online cash management, safe deposit box rentals, credit and debit cards, ATM cards, and treasury management services. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.

📰 Latest News

Bancorp 34 (BCTF) Swings to Profitability, Challenging Years of Bearish Sentiment

Simply Wall St. • 2025-11-05T12:19:19Z

Period:

Income Statement (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Revenue
Total Revenue	$29,838,000	$15,905,000	$19,017,000	$20,028,000
Operating Revenue	$29,838,000	$15,905,000	$19,017,000	$20,028,000
Expenses
Interest Expense	$21,487,000	$12,949,000	$5,314,000	$2,162,000
Selling And Marketing Expense	$302,000	$46,000	$89,000	$112,000
General And Administrative Expense	$13,525,000	$6,472,000	$9,519,000	$9,776,000
Professional Expense And Contract Services Expense	$1,861,000	$742,000	$525,000	$499,000
Other Non Interest Expense	$7,104,000	$4,119,000	$3,759,000	$3,533,000
Income & Earnings
Net Income From Continuing Operation Net Minority Interest	$1,689,000	$-3,402,000	$1,330,000	$3,400,000
Net Interest Income	$29,298,000	$15,175,000	$18,447,000	$18,718,000
Interest Income	$50,785,000	$28,124,000	$23,761,000	$20,880,000
Normalized Income	$1,038,830	$-745,675	$1,353,955	$3,411,949
Net Income From Continuing And Discontinued Operation	$1,689,000	$-3,402,000	$1,330,000	$3,400,000
Net Income Common Stockholders	$1,687,000	$-3,506,000	$1,319,000	$3,373,000
Net Income	$1,689,000	$-3,402,000	$1,330,000	$3,400,000
Net Income Including Noncontrolling Interests	$1,689,000	$-3,402,000	$1,330,000	$3,400,000
Net Income Continuous Operations	$1,689,000	$-3,402,000	$1,330,000	$3,400,000
Pretax Income	$615,000	$-3,855,000	$1,388,000	$4,268,000
Special Income Charges	$1,255,000	$-3,010,000	$-25,000	$-15,000
Depreciation Amortization Depletion Income Statement	$1,341,000	$0	-	-
Depreciation And Amortization In Income Statement	$1,341,000	$0	-	-
Amortization Of Intangibles Income Statement	$1,341,000	$0	-	-
Per Share
Diluted EPS	$0.25	$-0.88	$0.56	$1.24
Basic EPS	$0.25	$-0.88	$0.56	$1.24
Other
Tax Effect Of Unusual Items	$172,830	$-353,675	$-1,045	$-3,051
Tax Rate For Calcs	$0	$0	$0	$0
Total Unusual Items	$823,000	$-3,010,000	$-25,000	$-15,000
Total Unusual Items Excluding Goodwill	$823,000	$-3,010,000	$-25,000	$-15,000
Reconciled Depreciation	$2,391,000	$583,000	$489,000	$570,000
Diluted Average Shares	$5,903,000	$3,656,000	$2,371,000	$2,715,533
Basic Average Shares	$5,902,000	$3,654,000	$2,359,000	$2,715,533
Diluted NI Availto Com Stockholders	$1,687,000	$-3,506,000	$1,319,000	$3,373,000
Otherunder Preferred Stock Dividend	$2,000	$-11,000	$11,000	$27,000
Tax Provision	$-1,074,000	$-453,000	$58,000	$868,000
Restructuring And Mergern Acquisition	$-1,255,000	$3,010,000	$0	-
Amortization	$1,341,000	$0	-	-
Selling General And Administration	$13,827,000	$6,518,000	$9,608,000	$9,888,000
Insurance And Claims	$586,000	$348,000	$427,000	$231,000
Salaries And Wages	$12,939,000	$6,124,000	$9,092,000	$9,545,000
Occupancy And Equipment	$2,520,000	$1,148,000	$1,292,000	$1,325,000
Preferred Stock Dividends	-	$115,000	-	-
Other Special Charges	-	$-74,000	$25,000	$15,000
Gain On Sale Of Security	-	-	$0	$202,000
Other Gand A	-	-	-	$1,966,814

Fetched: 2026-02-02

Balance Sheet (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Assets
Net Tangible Assets	$78,926,000	$60,721,000	$49,238,000	$40,742,000
Total Assets	$918,095,000	$581,265,000	$574,340,000	$527,652,000
Goodwill And Other Intangible Assets	$7,589,000	$0	-	$0
Other Intangible Assets	$7,589,000	-	-	-
Prepaid Assets	$4,223,000	$4,267,000	$4,949,000	$2,940,000
Receivables	$2,613,000	$1,597,000	$1,505,000	$1,353,000
Accounts Receivable	$2,613,000	$1,597,000	$1,505,000	$1,353,000
Cash And Cash Equivalents	$111,510,000	$27,182,000	$16,112,000	$7,231,000
Cash Financial	$111,510,000	$27,182,000	$16,112,000	$7,231,000
Cash Cash Equivalents And Federal Funds Sold	$113,595,000	$28,897,000	$16,947,000	$17,287,000
Debt
Total Debt	$31,971,000	$55,606,000	$31,684,000	$43,915,000
Long Term Debt And Capital Lease Obligation	$31,971,000	$55,606,000	$31,684,000	$43,915,000
Long Term Debt	$27,352,000	$53,595,000	$29,531,000	$43,447,000
Net Debt	-	$26,413,000	$13,419,000	$36,216,000
Liabilities
Total Liabilities Net Minority Interest	$831,580,000	$520,544,000	$525,102,000	$486,910,000
Payables And Accrued Expenses	-	-	$5,419,000	$5,012,000
Payables	-	-	$5,419,000	$5,012,000
Accounts Payable	-	-	$5,419,000	$5,012,000
Equity
Common Stock Equity	$86,515,000	$60,721,000	$49,233,000	$40,742,000
Total Equity Gross Minority Interest	$86,515,000	$60,721,000	$49,238,000	$40,742,000
Stockholders Equity	$86,515,000	$60,721,000	$49,238,000	$40,742,000
Other Equity Interest	$-1,287,000	$-1,346,000	$-1,406,000	$-1,465,000
Gains Losses Not Affecting Retained Earnings	$-5,578,000	$-5,560,000	$-6,773,000	$388,000
Retained Earnings	$25,990,000	$24,301,000	$29,013,000	$27,147,000
Preferred Stock Equity	-	-	$5,000	-
Other
Ordinary Shares Number	$6,665,415	$4,694,010	$3,032,606	$2,523,398
Share Issued	$6,665,415	$4,694,010	$3,032,606	$2,523,398
Tangible Book Value	$78,926,000	$60,721,000	$49,233,000	$40,742,000
Invested Capital	$113,867,000	$114,316,000	$78,764,000	$84,189,000
Capital Lease Obligations	$4,619,000	$2,011,000	$2,153,000	$468,000
Total Capitalization	$113,867,000	$114,316,000	$78,769,000	$84,189,000
Additional Paid In Capital	$67,315,000	$43,279,000	$28,369,000	$14,647,000
Capital Stock	$75,000	$47,000	$35,000	$25,000
Common Stock	$75,000	$47,000	$30,000	$25,000
Long Term Capital Lease Obligation	$4,619,000	$2,011,000	$2,153,000	$468,000
Investments And Advances	$90,570,000	$66,437,000	$65,691,000	$73,281,000
Held To Maturity Securities	$5,665,000	$5,684,000	$5,832,000	$5,365,000
Available For Sale Securities	$6,244,000	$4,063,000	$1,277,000	-
Net PPE	$12,483,000	$9,169,000	$10,144,000	$8,392,000
Accumulated Depreciation	$-11,499,000	$-8,891,000	$-8,308,000	$-8,415,000
Gross PPE	$23,982,000	$18,060,000	$18,452,000	$16,807,000
Other Properties	$4,069,000	$1,819,000	$2,067,000	$426,000
Machinery Furniture Equipment	$3,690,000	$1,953,000	$1,776,000	$1,994,000
Buildings And Improvements	$14,645,000	$12,710,000	$12,439,000	$12,146,000
Land And Improvements	$1,578,000	$1,578,000	$2,170,000	$2,241,000
Other Short Term Investments	$78,661,000	$56,690,000	$58,582,000	$67,916,000
Treasury Shares Number	-	$0	-	-
Preferred Stock	-	$0	$5,000	$0

Fetched: 2026-02-02

Cash Flow Statement (Annual)

Metric	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Free Cash Flow
Free Cash Flow	$2,474,000	$684,000	$9,077,000	$6,979,000
Operating Activities
Operating Cash Flow	$2,974,000	$910,000	$9,761,000	$7,186,000
Cash Flow From Continuing Operating Activities	$3,032,000	$984,000	$9,811,000	$7,186,000
Operating Gains Losses	$-359,000	$-103,000	$-22,000	$-449,000
Investing Activities
Capital Expenditure	$-500,000	$-226,000	$-684,000	$-207,000
Investing Cash Flow	$160,130,000	$463,000	$-56,838,000	$-86,007,000
Cash Flow From Continuing Investing Activities	$160,130,000	$463,000	$-56,838,000	$-86,007,000
Net Other Investing Changes	$2,722,000	-	$555,000	$-454,000
Financing Activities
Repurchase Of Capital Stock	$0	$-210,000	$-78,000	$-8,499,000
Issuance Of Capital Stock	$0	$15,042,000	$6,212,000	$0
Financing Cash Flow	$-78,406,000	$10,577,000	$48,523,000	$82,336,000
Cash Flow From Continuing Financing Activities	$-78,406,000	$-18,423,000	$48,523,000	$82,336,000
Cash Dividends Paid	$0	$-656,000	$-700,000	$-577,000
Net Preferred Stock Issuance	$0	$4,175,000	$7,306,000	$0
Preferred Stock Issuance	$0	$4,175,000	-	-
Net Common Stock Issuance	$0	$10,657,000	$6,134,000	$-8,499,000
Common Stock Issuance	$0	$10,867,000	$6,212,000	$0
Net Other Financing Charges	-	$29,000,000	$-22,000	$-67,000
Other
Repayment Of Debt	$-123,663,000	$-325,398,000	$-726,500,000	$-76,001,000
Issuance Of Debt	$59,663,000	$320,398,000	$712,500,000	$100,448,000
Interest Paid Supplemental Data	$20,430,000	$8,867,000	$5,181,000	$2,229,000
End Cash Position	$113,595,000	$28,897,000	$16,947,000	$15,501,000
Beginning Cash Position	$28,897,000	$16,947,000	$15,501,000	$11,986,000
Changes In Cash	$84,698,000	$11,950,000	$1,446,000	$3,515,000
Common Stock Payments	$0	$-210,000	$-78,000	$-8,499,000
Net Issuance Payments Of Debt	$-64,000,000	$-5,000,000	$-14,000,000	$24,447,000
Net Long Term Debt Issuance	$-64,000,000	$-5,000,000	$-14,000,000	$24,447,000
Long Term Debt Payments	$-123,663,000	$-325,398,000	$-726,500,000	$-76,001,000
Long Term Debt Issuance	$59,663,000	$320,398,000	$712,500,000	$100,448,000
Net Investment Purchase And Sale	$31,943,000	$628,000	$-529,000	$-20,929,000
Sale Of Investment	$63,634,000	$5,348,000	$8,031,000	$17,236,000
Purchase Of Investment	$-31,691,000	$-4,720,000	$-8,560,000	$-38,165,000
Net Business Purchase And Sale	$30,927,000	$0	-	-
Sale Of Business	$30,927,000	$0	-	-
Net PPE Purchase And Sale	$-500,000	$217,000	$-600,000	$-174,000
Sale Of PPE	$0	$443,000	$84,000	$33,000
Purchase Of PPE	$-500,000	$-226,000	$-684,000	$-207,000
Change In Working Capital	$2,810,000	$-257,000	$-61,000	$597,000
Change In Payables And Accrued Expense	$671,000	$-1,016,000	$213,000	$133,000
Change In Payable	$671,000	$-1,016,000	$213,000	$133,000
Change In Account Payable	$671,000	$-1,016,000	$213,000	$133,000
Change In Prepaid Assets	$1,577,000	$851,000	$-123,000	$160,000
Change In Receivables	$562,000	$-92,000	$-151,000	$304,000
Changes In Account Receivables	$562,000	$-92,000	$-151,000	$304,000
Other Non Cash Items	$-3,791,000	$-271,000	$4,714,000	$2,390,000
Stock Based Compensation	$813,000	$150,000	$351,000	$386,000
Deferred Tax	$-1,075,000	$-278,000	$191,000	$-625,000
Deferred Income Tax	$-1,075,000	$-278,000	$191,000	$-625,000
Depreciation Amortization Depletion	$2,391,000	$583,000	$489,000	$570,000
Depreciation And Amortization	$2,391,000	$583,000	$489,000	$570,000
Amortization Cash Flow	$1,341,000	$0	$0	$98,000
Amortization Of Intangibles	$1,341,000	$0	$0	$98,000
Depreciation	$1,050,000	$583,000	$489,000	$472,000
Net Income From Continuing Operations	$1,689,000	$-3,402,000	$1,330,000	$3,400,000
Income Tax Paid Supplemental Data	-	$124,000	$998,000	$1,986,000
Gain Loss On Sale Of PPE	-	$-74,000	$25,000	-
Asset Impairment Charge	-	-	$0	$40,000
Gain Loss On Investment Securities	-	-	$0	$-202,000

Fetched: 2026-02-02