Bancorp 34, Inc. (BCTF) stock analysis
BCTFOTCSavings Institution, Federally CharteredFiscal year ends December 31
Financials through Q4 FY2024, quarter ended Dec 31, 2024Last filing: 10-K on Mar 6, 2025
$15.74−0.31 (-1.95%)
Close on Oct 19, 2026Market cap –P/E 63.0Yield –
Margins
Share of revenue, fiscal years 2014 to 2024
Net margin
4.8%−2.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2024
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +119.2% | – | +18.1% | – | |
| Net income | – | – | +18.9% | – | |
| EPS, diluted | – | – | +1.7% | – | |
| Free cash flow | +261.7% | – | -40.1% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2014 | FY2018 | FY2024 | Trend |
|---|---|---|---|---|
| Return on equity | – | 2.2% | 2.3% | |
| Return on assets | – | 0.3% | 0.2% | |
| Capex to revenue | – | 1.4% | 1.4% | |
| Diluted shares | – | 3M | – |
Cash use needs five years of cash flow figures
Bancorp 34 does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin4.8%
×Asset turnover0.05×
×Equity multiplier10.18×
=Return on equity, FY20242.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2024 | 4.8% | 0.05× | 10.18× | 2.3% |
| FY2023 | -21.4% | 0.03× | 10.57× | -6.2% |
| FY2019 | 4.7% | 0.04× | 8.49× | 1.6% |
| FY2018 | 7.4% | 0.04× | 7.39× | 2.2% |
| FY2017 | 1.4% | 0.08× | 6.54× | 0.7% |
| FY2016 | 23.0% | 0.08× | 7.46× | 13.2% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2024 against fiscal 2023
5of 5 tests passed in fiscal 2024. Some tests lack the figures they need.
- ProfitableNet income above zero$1.69M
- Cash generatingOperating cash flow above zero$2.97M
- Return on assets improvedROA up on the prior year-0.6% → 0.3%
- Earnings backed by cashOperating cash flow above net income$2.97M vs $1.69M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise– → –
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.06
See a number that looks wrong?