BCTF

Bancorp 34, Inc.

Financial Services · USD

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Price alert · BCTF

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16.05 USD +0.05 +0.31%
As of Oct 30, 2026
16.00 Day range 16.05
13.11 52-week range 16.15
YTD
+17.75%
1 year
+16.05%
Open
16.00
Prev close
16.00
Mkt cap
109.49M
Vol
2.83K
Avg vol
3.07K
EPS
0.77
P/E
20.84
Div yield
1.96%
More statistics
Low
16.00
High
16.05
Forward P/E
0.00
Beta
0.88
Short ratio
0.13
Inst. own
15.85%
Dividend
0.20
Ex-div date
Jun 10, 2020
50-d avg
10.78
200-d avg
11.48
1y target
0.00

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Financial health

Altman Z-Score

0.24 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 2
  • P/B 3

Valuation

P/E 12.7×
FY 2016: 8.2×FY 2017: 148×FY 2018: 46.2×FY 2019: 23.9×FY 2020: 19.6×FY 2021: 8.2×FY 2022: 24.3×FY 2023: -11.0×FY 2024: 47.3×FY 2025: 12.7×
FY 2016 5y median 12.7× FY 2025
P/S 1.9×
FY 2016: 1.7×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 0.9×FY 2020: 1.7×FY 2021: 1.7×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 1.5×FY 2025: 1.9×
FY 2016 5y median 1.5× FY 2025
P/B 1.0×
FY 2016: 0.8×FY 2017: 0.9×FY 2018: 0.6×FY 2019: 0.4×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025
P/FCF 24.1×
FY 2016: 7.1×FY 2017: 3.3×FY 2018: -3.7×FY 2019: 0.5×FY 2020: 11.7×FY 2021: 5.4×FY 2022: 3.5×FY 2023: 51.6×FY 2024: 32.1×FY 2025: 24.1×
FY 2016 5y median 24.1× FY 2025
EV/EBITDA 8.8×
FY 2016: 42.0×FY 2017: 27.1×FY 2018: 24.9×FY 2019: 8.4×FY 2020: 15.0×FY 2021: 15.3×FY 2022: 25.4×FY 2023: -19.5×FY 2024: -0.0×FY 2025: 8.8×
FY 2016 5y median 8.8× FY 2025
EV/Sales 1.8×
FY 2016: 3.1×FY 2017: 3.0×FY 2018: 4.6×FY 2019: 1.4×FY 2020: 2.1×FY 2021: 3.3×FY 2022: 2.0×FY 2023: 2.2×FY 2024: -0.0×FY 2025: 1.8×
FY 2016 5y median 2.0× FY 2025
FCF Yield 4.2%
FY 2016: 14.1%FY 2017: 30.6%FY 2018: -27.4%FY 2019: 186.8%FY 2020: 8.5%FY 2021: 18.7%FY 2022: 28.3%FY 2023: 1.9%FY 2024: 3.1%FY 2025: 4.2%
FY 2016 5y median 4.2% FY 2025

Profitability

Gross Margin 67.0%
FY 2016: 89.1%FY 2017: 89.8%FY 2018: 80.3%FY 2019: 75.6%FY 2020: 72.7%FY 2021: 88.0%FY 2022: 68.2%FY 2023: 40.5%FY 2024: 50.7%FY 2025: 67.0%
FY 2016 5y median 67.0% FY 2025
Operating Margin 18.4%
FY 2016: 4.5%FY 2017: 8.4%FY 2018: 14.4%FY 2019: 13.3%FY 2020: 11.1%FY 2021: 26.8%FY 2022: 5.7%FY 2023: -13.4%FY 2024: 1.2%FY 2025: 18.4%
FY 2016 5y median 5.7% FY 2025
Net Margin 14.5%
FY 2016: 21.3%FY 2017: 1.3%FY 2018: 6.0%FY 2019: 3.6%FY 2020: 8.7%FY 2021: 20.7%FY 2022: 5.5%FY 2023: -11.8%FY 2024: 3.3%FY 2025: 14.5%
FY 2016 5y median 5.5% FY 2025
ROE 8.1%
FY 2016: 10.4%FY 2017: 0.7%FY 2018: 2.3%FY 2019: 1.6%FY 2020: 3.9%FY 2021: 11.3%FY 2022: 2.7%FY 2023: -5.6%FY 2024: 2.0%FY 2025: 8.1%
FY 2016 5y median 2.7% FY 2025
ROIC 0.9%
FY 2016: 1.1%FY 2017: 0.4%FY 2018: 1.6%FY 2019: 2.3%FY 2020: 2.4%FY 2021: 4.7%FY 2022: 1.4%FY 2023: -2.3%FY 2024: 0.5%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025
ROA 0.9%
FY 2016: 1.6%FY 2017: 0.1%FY 2018: 0.3%FY 2019: 0.2%FY 2020: 0.4%FY 2021: 0.9%FY 2022: 0.2%FY 2023: -0.6%FY 2024: 0.2%FY 2025: 0.9%
FY 2016 5y median 0.2% FY 2025

Growth (YoY)

Revenue 5.5%
FY 2016: 40.6%FY 2017: 12.4%FY 2018: -36.3%FY 2019: 11.5%FY 2020: 4.4%FY 2021: 7.3%FY 2022: 9.6%FY 2023: 18.6%FY 2024: 77.9%FY 2025: 5.5%
FY 2016 FY 2025
Operating Income 1517.7%
FY 2016: 229.9%FY 2017: 107.3%FY 2018: 9.5%FY 2019: 3.2%FY 2020: -12.9%FY 2021: 159.2%FY 2022: -76.6%FY 2023: -377.7%FY 2024: 116.0%FY 2025: 1517.7%
FY 2016 FY 2025
EPS (diluted) 328.0%
FY 2016: 1552.4%FY 2017: -93.5%FY 2018: 220.0%FY 2019: 100.0%FY 2020: -7.8%FY 2021: 186.4%FY 2022: -66.9%FY 2023: -257.1%FY 2024: 128.4%FY 2025: 328.0%
FY 2016 FY 2025
Free Cash Flow 68.6%
FY 2016: 28.6%FY 2017: 145.6%FY 2018: -150.4%FY 2019: 530.0%FY 2020: -90.8%FY 2021: 136.1%FY 2022: 30.1%FY 2023: -92.5%FY 2024: 261.7%FY 2025: 68.6%
FY 2016 FY 2025

Financial Health

Current Ratio 40.4×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 40.4×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 40.4×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 40.4×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.3×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 1.4×FY 2019: 0.9×FY 2020: 0.4×FY 2021: 1.1×FY 2022: 0.6×FY 2023: 0.9×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA -0.3×
FY 2016: 18.6×FY 2017: 11.4×FY 2018: 16.7×FY 2019: 3.2×FY 2020: 2.8×FY 2021: 7.6×FY 2022: 8.3×FY 2023: -8.7×FY 2024: -26.5×FY 2025: -0.3×
FY 2016 5y median -0.3× FY 2025
Interest Coverage 0.5×
FY 2016: 0.7×FY 2017: 1.0×FY 2018: 0.8×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 2.7×FY 2022: 0.3×FY 2023: -0.3×FY 2024: 0.0×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 15.3%FY 2019: 2.8%FY 2020: 1.8%FY 2021: 1.5%FY 2022: 2.2%FY 2023: 1.9%FY 2024: 0.4%FY 2025: 0.0%
FY 2016 5y median 1.5% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 387.6%FY 2019: 67.8%FY 2020: 35.0%FY 2021: 12.5%FY 2022: 52.6%FY 2023: -19.3%FY 2024: 19.6%FY 2025: 0.0%
FY 2016 5y median 12.5% FY 2025

Annual · latest fiscal year ends 2025-12-31