arrow_back Back Filing freshness 10-K FY 2024 SEC EDGAR

download Export Data

Bancorp 34, Inc.

BCTF

— Price unavailable

8 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

auto_awesome

Analytical Summary

Bancorp 34, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap —

Dividend Yield —

Revenue Growth 119.2% ↗

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 0.33

info Valuation on last close.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$34.86M

↑ +119.2% —

Net Income Profit after all expenses

$1.69M

↑ +149.6% —

Operating Margin Operating profit as % of sales

17.4%

↑ +240.9% —

Long-Term Debt Long-term obligations

$28.50M

↓ -47.2% —

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.14 Latest / share

-6.7% YoY

-66.5% 3-yr CAGR

FY 2017

FY 2018

FY 2019

FY 2020

$1.25

FY 2021

$0.15

FY 2022

$0.14

FY 2023

FY 2024

Financial view

Statement lens

Choose the reporting cadence, isolate a period range, or search directly for a metric.

Cadence

Annual Quarterly

Range

→

📈 Is growth accelerating? 7 metrics

Metric	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2016 10-K ↗	FY 2018 Dec 31, 2015 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗
Revenue Growth YoY (%)	119.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1886%)	5.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-17%)	-48.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-902%)	14.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+135%)	11.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	46.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+679%)	—	—
EPS Growth YoY (%)	N/M	N/M	-30.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	200.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-93.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	1644.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	N/M	-33.8% Weak ↓ Weak Declining Year-over-year change in net income	197.7% Excellent ↓ Excellent Declining Year-over-year change in net income	-93.2% Weak Weak Year-over-year change in net income	1551.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-14.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-13.0% Weak Weak Compound annual revenue growth over 3 years	23.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.6% Good Good Compound annual revenue growth over 5 years	0.3% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-8.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	-47.3% Weak Weak Compound annual EPS growth over 3 years	54.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2016 10-K ↗	FY 2018 Dec 31, 2015 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗
Operating Margin (%) (%)	—	—	17.4% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	5.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	9.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	4.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	2.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	—
Effective Tax Rate (%) (%)	—	—	25.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	84.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-371.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	4.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	-21.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-197%)	4.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-79%)	3.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	23.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	2.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2016 10-K ↗	FY 2018 Dec 31, 2015 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	2.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	-5.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	1.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	10.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	1.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2016 10-K ↗	FY 2018 Dec 31, 2015 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗
Debt to Equity (x)	0.33x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.89x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-26%)	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2016 10-K ↗	FY 2018 Dec 31, 2015 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗
Revenue per Share (USD)	—	—	$4.91	$9.23	$7.86	$6.84	$4.62	—
Basic EPS, GAAP (USD)	$0.25	$-0.88	$0.23	$0.33	$0.11	$1.57	$0.09	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	$0.14	$0.15	$1.25	—	—	—	—
Book Value per Share (USD)	—	—	$14.05	$13.76	$14.60	$14.77	$8.62	—
Tangible Book Value per Share (USD)	—	—	$14.05	$13.76	$14.60	$14.77	$8.62	—
Basic Weighted Avg Shares (shares)	—	—	3.09M	3.16M	3.26M	3.37M	3.40M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2016 10-K ↗	FY 2018 Dec 31, 2015 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$28.50M	$54.00M	—	—	—	—	—	—
Total Equity (USD)	$86.52M	$60.72M	$45.08M	$46.42M	$50.97M	$50.78M	$29.64M	$29.34M

📋 What is driving earnings? 4 metrics

Metric	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2016 10-K ↗	FY 2018 Dec 31, 2015 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗
Sales/Revenue/Turnover (USD)	$34.86M	$15.90M	$15.15M	$29.21M	$25.60M	$23.03M	$15.69M	—
Depreciation Expense (USD)	$1.05M	$583.00K	$611.20K	$703.00K	$678.00K	$607.00K	$565.00K	—
Net Income, GAAP (USD)	$1.69M	$-3.40M	$710.18K	$1.07M	$360.59K	$5.30M	$320.61K	—
Operating Cash Flow (USD)	$2.97M	$910.00K	$31.99M	$-7.24M	$15.43M	$6.92M	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2019 10-K ↗	FY 2021 Dec 31, 2018 10-K ↗	FY 2020 Dec 31, 2017 10-K ↗	FY 2019 Dec 31, 2016 10-K ↗	FY 2018 Dec 31, 2015 10-K ↗	FY 2017 Dec 31, 2014 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.6%	3.6%	3.7%	4.1%	3.6%	4.0%	—
Efficiency Ratio (%) (%)	87.3%	97.7%	82.5%	93.8%	88.7%	90.7%	93.4%	—

⌨️ Keyboard Shortcuts

/ Search

Esc Clear

A Annual

Q Quarterly

1-7 Jump to category

R Reset

bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 29 quarters

Bancorp 34, Inc.

Analytical Summary

8-Year Financial Trajectory

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Percentile Rankings

Peer Comparison

Compare BCTF with peers