Bancorp 34 (BCTF) AI Stock Analysis

• Market Cap: $113.96M
• Dividend Yield: N/A
• Average Volume (3M): 1.82K
• Price to Earnings (P/E): 16.8
• Beta (1Y): 0.17
• Revenue Growth: -5.19%
• EPS Growth: 6.18%
• Country: US
• Employees: 103
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.92
• Shares Outstanding: 6,665,415
• 10 Day Avg. Volume: 1,991
• 30 Day Avg. Volume: 1,825
• PEG Ratio: 0.04
• Price to Book (P/B): 1.04
• Price to Sales (P/S): 1.85
• P/FCF Ratio: 24.06
• Enterprise Value/Market Cap: <0.01
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $17.00 ▲(9.68% Upside)
• Action: Reiterated
• Date: 08/26/26

Positive Factors

Earnings Turnaround

The 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 Volatility

The 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 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 varie...

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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 varie...

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 i...

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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 i...

Bancorp 34 Financial Statement Overview

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	0.00	4.17M	2.47M	684.00K	9.08M	6.98M
Operating Cash Flow	0.00	4.48M	2.97M	910.00K	9.76M	7.19M
Investing Cash Flow	0.00	-50.47M	160.13M	463.00K	-56.84M	-86.01M
Financing Cash Flow	0.00	-32.85M	-78.41M	10.58M	48.52M	82.34M

Bancorp 34 Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 15.5 is below the 20-day moving average (MA) of 15.52, above the 50-day MA of 15.34, and above the 200-day MA of 14.63, indicating a bullish trend. The MACD of 0.10 indicates Positive momentum. The RSI at 54.75 is Neutral, neither overbought nor oversold. The STOCH value of 37.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCTF.

Bancorp 34 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	76 Outperform	$134.85M	15.34	6.50%	2.09%	5.96%	49.37%
MGYR	75 Outperform	$125.69M	10.26	9.59%	1.81%	7.51%	20.96%
BCTF	68 Neutral	$113.96M	16.85	7.54%	―	-5.19%	6.18%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PROV	66 Neutral	$114.57M	17.82	5.23%	3.25%	-0.79%	11.59%
UNB	56 Neutral	$115.98M	9.04	14.72%	5.81%	10.15%	28.62%
RVSB	54 Neutral	$103.36M	-26.99	-2.50%	1.52%	-11.21%	-176.24%