Bancorp 34 (BCTF) AI Stock Analysis

Bancorp 34

(Other OTC:BCTF)

Select Model

Rating:56Neutral

Price Target:$16.00▼(-0.03% Downside)

Action:reiterated

Date:08/26/26

BCTF earns a below-average overall score, driven primarily by mixed fundamentals: while the balance sheet has strengthened notably through deleveraging and equity growth, and 2025 earnings rebounded to ~$7.9M, cash flow generation remains weak and consistently lags reported net income, and margins are still below 2021-2022 levels following the 2023 loss. Supporting the score is a solidly bullish technical picture, with the price trading above all major moving averages on positive MACD momentum and non-extreme RSI/Stochastic readings, alongside low volatility (beta 0.17). Valuation is a mild headwind, with a ~17x P/E that is full for a small regional bank and no dividend to cushion returns. The trajectory is improving, but volatility in earnings and cash flow warrants a cautious stance.

Positive Factors

Earnings TurnaroundThe return to profitability and stronger 2025 earnings indicate improved earnings power. If maintained, this recovery can strengthen retained capital and support lending capacity, although the historical volatility means durability still depends on credit and operating conditions.

Negative Factors

Earnings VolatilityThe sharp movement from strong profitability to a loss shows that earnings are sensitive to the operating environment. Such volatility makes future results less predictable and may reflect exposure to changing funding costs, credit performance, and net interest margins.

Bancorp 34 (BCTF) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $109.49M
Dividend Yield: ―
Average Volume (3M): 3,995
Price to Earnings (P/E): 17.4
Beta (1Y): 0.15
Revenue Growth: -5.19%
EPS Growth: 6.18%
Country: US
Employees: 103
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Bancorp 34 Business Overview & Revenue Model

Company Description

Bancorp 34, Inc. serves as the holding company for Bank 34, a financial institution that provides a broad spectrum of banking products and services to individuals and businesses throughout the United States. Its deposit offerings encompass a variety...

How the Company Makes Money

Bancorp 34 primarily makes money through its banking subsidiary by (1) earning interest income on loans and other interest-earning assets and (2) generating fee-based, noninterest income from banking services. The largest driver is typically net inte...

Bancorp 34 Financial Statement Overview

Summary

Bancorp 34 shows an improving but still uneven financial profile. Revenue has expanded strongly from ~$20.7M in 2020 to ~$54.1M in 2025, and 2025 net income of ~$7.9M marks a solid rebound from the -$3.4M loss in 2023 and thin 2024 margins (income statement score 48). The balance sheet is the strongest pillar (58), with assets near $900M, equity more than doubling to ~$96.8M, debt cut to ~$30.4M and debt-to-equity improving to ~0.31, lifting implied ROE to ~8.1%. Cash flow remains the weak point (42): operating cash flow of just $4.5M on $900M of assets, with cash generation persistently below net income. Rapid asset growth also raises asset-quality and margin-sustainability questions.

Income Statement

48Neutral

Balance Sheet

58Neutral

Cash Flow

42Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	53.52M	54.14M	51.33M	28.85M	24.33M	22.19M
Gross Profit	34.14M	36.27M	26.01M	11.68M	16.60M	19.53M
EBITDA	8.37M	11.07M	3.01M	-3.27M	1.88M	4.84M
Net Income	6.74M	7.86M	1.69M	-3.40M	1.33M	4.60M
Balance Sheet
Total Assets	895.99M	900.26M	918.10M	581.26M	574.34M	527.65M
Cash, Cash Equivalents and Short-Term Investments	3.24M	34.76M	190.17M	83.87M	74.69M	75.15M
Total Debt	27.32M	30.39M	31.97M	55.61M	31.68M	43.91M
Total Liabilities	795.82M	803.44M	831.58M	520.54M	525.10M	486.91M
Stockholders Equity	100.17M	96.82M	86.52M	60.72M	49.24M	40.74M
Cash Flow
Free Cash Flow	0	4.17M	2.47M	684.00K	9.08M	6.98M
Operating Cash Flow	0	4.48M	2.97M	910.00K	9.76M	7.19M
Investing Cash Flow	0	-50.47M	160.13M	463.00K	-56.84M	-86.01M
Financing Cash Flow	0	-32.85M	-78.41M	10.58M	48.52M	82.34M

Bancorp 34 Technical Analysis

Technical Analysis SentimentPositive

Last Price16.01

Price Trends

50DMA15.72Positive

100DMA15.49Positive

200DMA15.15Positive

Market Momentum

MACD0.12Negative

RSI58.24Neutral

STOCH68.20Neutral

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 16.01 is above the 20-day moving average (MA) of 15.82, above the 50-day MA of 15.72, and above the 200-day MA of 15.15, indicating a bullish trend. The MACD of 0.12 indicates Negative momentum. The RSI at 58.24 is Neutral, neither overbought nor oversold. The STOCH value of 68.20 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 Risk

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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

BCTF against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	78Outperform	$143.96M	11.04	10.23%	1.70%	8.91%	30.08%
LSBK	75Outperform	$145.41M	16.69	7.78%	1.93%	4.31%	24.16%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UNB	63Neutral	$112.91M	8.68	15.07%	6.31%	3.17%	5.55%
PROV	60Neutral	$113.27M	17.81	5.18%	3.08%	0.19%	13.84%
BCTF	56Neutral	$113.52M	17.45	6.91%	―	-5.19%	6.18%
RVSB	49Neutral	$119.92M	-41.56	-2.02%	1.33%	-10.03%	-162.70%

* Financial Sector Average

Performance Comparison

BCTF and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BCTF	Bancorp 34, Inc.	16.05	2.45	18.01%
LSBK	Lake Shore Bancorp	18.69	4.78	34.33%
MGYR	Magyar Bancorp	22.30	5.84	35.45%
PROV	Provident Financial Holdings	18.17	3.29	22.13%
RVSB	Riverview	6.01	0.79	15.09%
UNB	Union Bankshares, Inc.	22.83	1.17	5.40%

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.

Date of analysis: Aug 26, 2026

Bancorp 34 AI Stock Analysis