Bancorp 34, Inc.

BCTF

Bancorp 34, Inc.

BCTF

Insider Sentiment (TTM):

Last Purchase:2020-06-02Last Sale:-Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2024-12-31Institutional Shares Owned:269,999Shares Outstanding:820,000Institutional Ownership Pct.:32.93%

Earnings Market Reaction:

Filing Date:2025-03-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institution, Federally Chartered

FCAP FNWD PROV AX EBC TFSL

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	112	67	53	66	27	13
Federal Funds Sold	2	61	26	7	2	2
Cash Cash Equivalents And Federal Funds Sold	114	128	79	73	29	15
Available For Sale Securities Debt Securities	79	58	56	102	57	53
Debt Securities Held To Maturity Excluding Accrued…	6	6	6	6	6	6
Long Term Investments And Receivables Net	676	703	735	750	457	480
Loans And Leases Receivable Allowance	-10	-11	-11	-11	-6	-8
Loans And Leases Receivable Net Reported Amount	666	693	725	740	451	472
Other Real Estate	-	0	0	0	3	0
Assets
Assets	918	939	922	980	581	581
Property Plant And Equipment Net	8	8	9	9	7	8
Operating Lease Right Of Use Asset	4	4	4	5	2	2
Other Investments	6	6	6	6	4	3
Deferred Income Tax Assets Net	9	9	9	9	5	5
Bank Owned Life Insurance	12	12	12	12	12	12
Finite Lived Core Deposits Gross	8	8	8	9	-	-
Prepaid Expense And Other Assets	4	5	6	8	4	4
Liabilities And Stockhold…
Liabilities
Demand Deposit Accounts	219	204	214	220	88	92
Deposits
Deposits	793	785	770	806	460	468
Deposits Savings Deposits	333	343	341	371	244	247
Time Deposits	241	238	214	215	128	129
Advances From Federal Home Loan Banks	-	-	-	-	-	18
Federal Funds Purchased	-	-	2	-	-	-
Subordinated Long Term Debt	23	23	23	23	25	25
Operating Lease Liability	5	5	5	5	2	2
Accrued Liabilities And Other Liabilities	7	8	7	10	5	7
Liabilities	832	852	838	898	521	520
Additional Paid In Capital	67	67	67	67	43	43
Stockholders Equity
Stockholders Equity	87	87	84	82	61	60
Retained Earnings Accumulated Deficit	26	26	24	23	24	26
Accumulated Other Comprehensive Income Loss Net Of…	-6	-4	-6	-6	-6	-8
Unearned E S O P Shares	-1	-1	-1	-1	-1	-1
Liabilities And Stockholders Equity	918	939	922	980	581	581
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Par Or Stated Value Per Share	-	-	-	-	0.01	0.01
Common Stock Shares Authorized	100	100	100	100	100	100
Preferred Stock Shares Authorized	-	-	-	-	50	50
Preferred Stock Shares Issued	-	-	-	-	0	0
Preferred Stock Shares Outstanding	-	-	-	-	0	0

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Custom Table

10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2024	6.86%	5.71%	20.57%	7.32%	12.27%	13.25%	4.58%	4.45%	23.80%	-2.75%	-10.22%	-8.39%
2023	-	-	-	-	-	-	-10.67%	-8.72%	-8.21%	-6.11%	0.92%	4.44%
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Performance and Valuation Metrics

Metrics	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	1.03	0.98	0.76	0.63	0.81	0.84
Efficiency & Turnover
Days Sales Outstanding TTM	4,014.39	3,684.86	3,860.92	4,682.76	3,572.87	6,424.37
Receivables Turnover TTM	0.09	0.10	0.09	0.08	0.10	0.06
Per Share Metrics
Diluted EPS TTM	-	0.50	-4.19	-	-	-1.07
Free Cash Flow Per Share TTM	-	-1.72	0.76	-	-	8.47
Dividend Per Share TTM	-	0.00	0.80	-	-	1.29
Margin Metrics
Gross Profit Margin TTM	57.69%	56.35%	54.89%	55.32%	59.97%	68.19%
Operating Profit Margin TTM	1.21%	-1.06%	-10.93%	-16.59%	-7.49%	-4.74%
Net Profit Margin TTM	3.33%	0.72%	-6.78%	-10.86%	-6.91%	-4.28%
Growth Metrics
Net Revenue Growth (1Y)	33.83%	163.29%	159.89%	110.42%	100.28%	19.17%
Net Income Growth (1Y)	-164.42%	-144.12%	-292.07%	-568.72%	-469.18%	-380.22%
EPS Growth (1Y)	-	-147.07%	-240.49%	-	-	-295.52%
Valuation Metrics
P/E TTM	-	22.14	-2.17	-	-	-8.86
P/B TTM	-	0.11	0.09	-	-	0.14
P/S TTM	-	0.16	0.15	-	-	0.38
Market Cap	-	9.17M	7.46M	-	-	8.31M
Enterprise Value	-	-95.50M	-48.11M	-	-	18.35M
Calculated Values
Free Cash Flow TTM	2.47M	-1.41M	622.00K	-563.23K	1.51M	7.41M
Net Debt	-90.45M	-104.67M	-55.57M	-49.64M	-4.30M	10.04M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2020-06-02Purchase

Owner: Ralls, Elaine E.

Title: -

Shares: 900

Price/Share: $10.40

Value: $9,360.00

Shares Owned: 3,500

Relationship: Director

Ownership: Indirect

2020-05-29Purchase

Owner: Ralls, Elaine E.

Title: -

Shares: 600

Price/Share: $10.33

Value: $6,198.00

Shares Owned: 2,600

Relationship: Director

Ownership: Indirect

2020-05-21Purchase

Owner: Van, Winkle Don P.

Title: -

Shares: 89

Price/Share: $10.95

Value: $974.55

Shares Owned: 6,519

Relationship: Director

Ownership: Direct

2019-06-13Purchase

Owner: Cook, Wortham A.

Title: -

Shares: 300

Price/Share: $15.70

Value: $4,710.00

Shares Owned: 7,683

Relationship: Director

Ownership: Indirect

2018-12-11Purchase

Owner: Cook, Wortham A.

Title: -

Shares: 389

Price/Share: $15.41

Value: $5,994.49

Shares Owned: 7,383

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2020-06-02	Ralls, Elaine E.	Director	-	Indirect	Purchase	900	10.40	$9,360.00	3,500	4
2020-05-29	Ralls, Elaine E.	Director	-	Indirect	Purchase	600	10.33	$6,198.00	2,600	4
2020-05-21	Van, Winkle Don P.	Director	-	Direct	Purchase	89	10.95	$974.55	6,519	4
2019-06-13	Cook, Wortham A.	Director	-	Indirect	Purchase	300	15.70	$4,710.00	7,683	4
2018-12-11	Cook, Wortham A.	Director	-	Indirect	Purchase	389	15.41	$5,994.49	7,383	4
2018-11-06	Van, Winkle Don P.	Director	-	Indirect	Purchase	406	15.75	$6,394.50	1,886	4
2018-08-15	Harris, James D.	Director	-	Direct	Purchase	900	15.92	$14,328.00	21,318	4
2018-05-31	Cook, Wortham A.	Director	-	Indirect	Purchase	499	14.80	$7,385.20	6,994	4
2018-05-17	Cook, Wortham A.	Director	-	Direct	Purchase	1,000	15.20	$15,200.00	4,763	4
2018-05-16	Rabon, Randal L.	Director	-	Indirect	Purchase	3,171	15.28	$48,452.88	636	4
2018-05-10	Cook, Wortham A.	Director	-	Direct	Purchase	13	15.80	$205.40	3,763	4
2017-12-11	Van, Winkle Don P.	Director	-	Direct	Purchase	665	14.90	$9,908.50	6,024	4
2017-09-08	Van, Winkle Don P.	Director	-	Direct	Purchase	445	14.30	$6,363.50	1,609	4
2017-08-31	Ralls, Elaine E.	Director	-	Indirect	Purchase	1,000	14.10	$14,100.00	2,000	4
2017-08-15	Cook, Wortham A.	Director	-	Indirect	Purchase	341	14.04	$4,787.64	6,495	4
2017-06-08	Kauper, William P.	Officer	President/Dir. of Corp Develop	Indirect	Purchase	97	13.60	$1,319.20	23,050	4
2017-06-07	Kauper, William P.	Officer	President/Dir. of Corp Develop	Indirect	Purchase	1,400	13.60	$19,040.00	22,953	4
2017-06-05	Kauper, William P.	Officer	President/Dir of Corp Dev	Indirect	Purchase	1,553	13.60	$21,120.80	21,553	4
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Institutional Ownership

No data available for chart

2024-12-31

32.93%

Inst. Shares: 269,999

Shares Outstanding: 820,000

2024-09-30

32.93%

Inst. Shares: 269,999

Shares Outstanding: 820,000

2024-06-30

32.93%

Inst. Shares: 269,999

Shares Outstanding: 820,000

2024-03-31

13.08%

Inst. Shares: 107,288

Shares Outstanding: 820,000

2023-12-31

12.26%

Inst. Shares: 107,296

Shares Outstanding: 874,849

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2024-12-31	269,999	820,000	32.93%
2024-09-30	269,999	820,000	32.93%
2024-06-30	269,999	820,000	32.93%
2024-03-31	107,288	820,000	13.08%
2023-12-31	107,296	874,849	12.26%
2023-09-30	107,278	874,849	12.26%
2023-06-30	107,299	874,849	12.26%
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Bancorp 34, Inc. (BCTF) — SEC Financial Statements & Analysis

Bancorp 34, Inc. (BCTF) is a savings institution, federally chartered company, incorporated in MD. Bancorp 34, Inc. trades on OTC as: BCTF. Based on its latest SEC filing (Form 10-Q, period ending 2024-12-31), Bancorp 34, Inc. reported a 33.83% year-over-year revenue growth, a Gross Profit Margin of 57.69% (TTM), a Price-to-Sales (P/S) ratio of 0.16x (TTM), a Price-to-Book (P/B) ratio of 0.11 (TTM), at a market cap of $9.17M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 33.83%
Gross Profit Margin TTM: 57.69%
P/S TTM: 0.16x
P/B TTM: 0.11
Market Cap: $9.17M

Data as of 2024-12-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Bancorp 34, Inc. in?

Bancorp 34, Inc. (BCTF) operates in the Savings Institution, Federally Chartered industry.

What is BCTF's market cap?

Bancorp 34, Inc. (BCTF) has a market capitalization of $9.17M as of 2024-09-30.

What is BCTF's P/E ratio?

Bancorp 34, Inc. (BCTF)'s trailing twelve month P/E ratio is 22.14x as of 2024-09-30.

What exchange does BCTF trade on?

Bancorp 34, Inc. (BCTF) trades on the OTC.

Where is Bancorp 34, Inc. incorporated?

Bancorp 34, Inc. is incorporated in MD.

Bancorp 34, Inc. (BCTF) — SEC Financial Statements & Analysis

Frequently Asked Questions

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