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Bancorp 34, Inc.

BCTF

— Price unavailable

29 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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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 None

Op. Margin None

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity 0.33

info Valuation on last close.

29-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$8.65M

↑ +123.7% —

Net Income Profit after all expenses

$148.00K

↓ -90.6% —

Operating Margin Operating profit as % of sales

16.0%

↓ -7.0% —

Long-Term Debt Long-term obligations

$28.50M

↓ -50.1% —

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

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📈 Is growth accelerating? 7 metrics

Metric	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2019 10-Q ↗	Q2 FY2022 Jun 30, 2019 10-Q ↗	Q1 FY2022 Mar 31, 2019 10-Q ↗	Q4 FY2021 Dec 31, 2018 10-K ↗	Q3 FY2021 Sep 30, 2018 10-Q ↗	Q2 FY2021 Jun 30, 2018 10-Q ↗	Q1 FY2021 Mar 31, 2018 10-Q ↗	Q4 FY2020 Dec 31, 2017 10-K ↗	Q3 FY2020 Sep 30, 2017 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2017 10-Q ↗	Q4 FY2019 Dec 31, 2016 10-K ↗	Q3 FY2019 Sep 30, 2016 10-Q ↗	Q2 FY2019 Jun 30, 2016 10-Q ↗	Q1 FY2019 Dec 31, 2016 10-Q ↗	Q4 FY2018 Dec 31, 2015 10-K ↗	Q3 FY2018 Sep 30, 2015 10-Q ↗	Q1 FY2018 Dec 31, 2015 10-Q ↗	Q4 FY2017 Dec 31, 2014 10-K ↗	Q1 FY2017 Dec 31, 2014 10-Q ↗
Revenue Growth YoY (%)	—	123.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1962%)	124.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1982%)	101.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1597%)	—	-2.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	5.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	-33.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-664%)	—	-44.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-846%)	8.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	-8.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-246%)	—	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-111%)	-6.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-201%)	33.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+459%)	—	12.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+115%)	-33.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-653%)	14.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+146%)	—	68.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1039%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	N/M	N/M	2000.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	51.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	1000.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	275.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	-90.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-84.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-29.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	47.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	21.4% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	N/M	112.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	N/M	N/M	1347.1% Excellent Excellent Year-over-year change in net income	N/M	13.7% Fair ↓ Fair Declining Year-over-year change in net income	N/M	152.4% Excellent ↓ Excellent Declining Year-over-year change in net income	977.5% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-71.0% Weak ↑ Weak Improving Year-over-year change in net income	-88.9% Weak → Weak Stable Year-over-year change in net income	-88.9% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-82.5% Weak Weak Year-over-year change in net income	33.3% Excellent Excellent Year-over-year change in net income	N/M	N/M	39.1% Excellent ↓ Excellent Declining Year-over-year change in net income	-42.7% Weak ↓ Weak Declining Year-over-year change in net income	N/M	4354.8% Excellent Excellent Year-over-year change in net income	354.5% 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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	—	6.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	37.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	—	-18.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-6.9% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	—	-14.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-12.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	11.8% Good Good Compound annual revenue growth over 3 years	—	23.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	—	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	13.3% Excellent Excellent Compound annual revenue growth over 5 years	—	0.3% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	-41.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	76.5% Excellent Excellent Compound annual EPS growth over 3 years	20.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	-61.1% Weak Weak Compound annual EPS growth over 3 years	—	—	-4.1% Weak Weak Compound annual EPS growth over 3 years	—	—	—	-20.6% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2019 10-Q ↗	Q2 FY2022 Jun 30, 2019 10-Q ↗	Q1 FY2022 Mar 31, 2019 10-Q ↗	Q4 FY2021 Dec 31, 2018 10-K ↗	Q3 FY2021 Sep 30, 2018 10-Q ↗	Q2 FY2021 Jun 30, 2018 10-Q ↗	Q1 FY2021 Mar 31, 2018 10-Q ↗	Q4 FY2020 Dec 31, 2017 10-K ↗	Q3 FY2020 Sep 30, 2017 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2017 10-Q ↗	Q4 FY2019 Dec 31, 2016 10-K ↗	Q3 FY2019 Sep 30, 2016 10-Q ↗	Q2 FY2019 Jun 30, 2016 10-Q ↗	Q1 FY2019 Dec 31, 2016 10-Q ↗	Q4 FY2018 Dec 31, 2015 10-K ↗	Q3 FY2018 Sep 30, 2015 10-Q ↗	Q1 FY2018 Dec 31, 2015 10-Q ↗	Q4 FY2017 Dec 31, 2014 10-K ↗	Q1 FY2017 Dec 31, 2014 10-Q ↗
Operating Margin (%) (%)	—	—	—	—	—	—	—	—	—	16.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	17.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	0.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	—	2.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	18.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	6.7% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	—	17.9% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	16.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	-6.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-126%)	—	9.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	8.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	0.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	—	3.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	—	—	—
Effective Tax Rate (%) (%)	—	—	—	—	—	—	—	—	—	29.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	41.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	166.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.0% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	42.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-65847.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	71.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	—	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	16.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	-18.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-182%)	—	-58.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-367%)	2.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	10.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	—	1.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	1.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	0.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	—	2.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	10.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	5.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	—	11.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	7.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-3.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-117%)	—	9.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	8.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	0.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-99%)	—	3.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2019 10-Q ↗	Q2 FY2022 Jun 30, 2019 10-Q ↗	Q1 FY2022 Mar 31, 2019 10-Q ↗	Q4 FY2021 Dec 31, 2018 10-K ↗	Q3 FY2021 Sep 30, 2018 10-Q ↗	Q2 FY2021 Jun 30, 2018 10-Q ↗	Q1 FY2021 Mar 31, 2018 10-Q ↗	Q4 FY2020 Dec 31, 2017 10-K ↗	Q3 FY2020 Sep 30, 2017 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2017 10-Q ↗	Q4 FY2019 Dec 31, 2016 10-K ↗	Q3 FY2019 Sep 30, 2016 10-Q ↗	Q2 FY2019 Jun 30, 2016 10-Q ↗	Q1 FY2019 Dec 31, 2016 10-Q ↗	Q4 FY2018 Dec 31, 2015 10-K ↗	Q3 FY2018 Sep 30, 2015 10-Q ↗	Q1 FY2018 Dec 31, 2015 10-Q ↗	Q4 FY2017 Dec 31, 2014 10-K ↗	Q1 FY2017 Dec 31, 2014 10-Q ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	-1.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	-2.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-123%)	—	—	—	-3.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-133%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	0.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	-1.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-110%)	—	—	-0.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-103%)	8.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	—	—	0.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	0.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2019 10-Q ↗	Q2 FY2022 Jun 30, 2019 10-Q ↗	Q1 FY2022 Mar 31, 2019 10-Q ↗	Q4 FY2021 Dec 31, 2018 10-K ↗	Q3 FY2021 Sep 30, 2018 10-Q ↗	Q2 FY2021 Jun 30, 2018 10-Q ↗	Q1 FY2021 Mar 31, 2018 10-Q ↗	Q4 FY2020 Dec 31, 2017 10-K ↗	Q3 FY2020 Sep 30, 2017 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2017 10-Q ↗	Q4 FY2019 Dec 31, 2016 10-K ↗	Q3 FY2019 Sep 30, 2016 10-Q ↗	Q2 FY2019 Jun 30, 2016 10-Q ↗	Q1 FY2019 Dec 31, 2016 10-Q ↗	Q4 FY2018 Dec 31, 2015 10-K ↗	Q3 FY2018 Sep 30, 2015 10-Q ↗	Q1 FY2018 Dec 31, 2015 10-Q ↗	Q4 FY2017 Dec 31, 2014 10-K ↗	Q1 FY2017 Dec 31, 2014 10-Q ↗
Debt to Equity (x)	0.33x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.66x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	0.68x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-43%)	0.94x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-21%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	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	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2019 10-Q ↗	Q2 FY2022 Jun 30, 2019 10-Q ↗	Q1 FY2022 Mar 31, 2019 10-Q ↗	Q4 FY2021 Dec 31, 2018 10-K ↗	Q3 FY2021 Sep 30, 2018 10-Q ↗	Q2 FY2021 Jun 30, 2018 10-Q ↗	Q1 FY2021 Mar 31, 2018 10-Q ↗	Q4 FY2020 Dec 31, 2017 10-K ↗	Q3 FY2020 Sep 30, 2017 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2017 10-Q ↗	Q4 FY2019 Dec 31, 2016 10-K ↗	Q3 FY2019 Sep 30, 2016 10-Q ↗	Q2 FY2019 Jun 30, 2016 10-Q ↗	Q1 FY2019 Dec 31, 2016 10-Q ↗	Q4 FY2018 Dec 31, 2015 10-K ↗	Q3 FY2018 Sep 30, 2015 10-Q ↗	Q1 FY2018 Dec 31, 2015 10-Q ↗	Q4 FY2017 Dec 31, 2014 10-K ↗	Q1 FY2017 Dec 31, 2014 10-Q ↗
Revenue per Share (USD)	—	$10.55	$11.09	—	—	—	—	—	—	$1.30	$1.23	$2.03	—	$2.29	$1.12	$2.19	—	$2.23	$1.26	$1.61	—	$1.89	$1.66	$1.34	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.01	$0.22	$0.21	$-0.31	$-0.40	$-0.52	$0.01	$0.11	$-0.82	$0.15	$-0.11	$0.01	$0.05	$0.04	$0.12	$0.11	$-0.18	$0.25	$0.17	$-0.06	$1.25	$0.17	$0.14	$0.00	$-0.04	$0.08	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	—	—	—	—	—	$0.05	$0.05	—	—	—	$1.25	—	—	—	$0.05	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	—	$106.25	$102.56	—	—	—	—	—	—	$13.98	$14.77	$13.87	$13.76	$13.56	$14.59	$14.64	$14.60	—	—	$15.54	$14.77	—	—	$8.69	$8.62	—	$17.67	—	—
Tangible Book Value per Share (USD)	—	$106.25	$102.56	—	—	—	—	—	—	$13.98	$14.77	$13.87	$13.76	$13.56	$14.59	$14.64	$14.60	—	—	$15.54	$14.77	—	—	$8.69	$8.62	—	$17.67	—	—
Basic Weighted Avg Shares (shares)	—	820,000	820,000	—	—	—	—	—	—	3.05M	3.14M	3.14M	—	3.15M	3.15M	3.19M	—	3.26M	3.00M	3.26M	—	3.40M	3.40M	3.40M	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2019 10-Q ↗	Q2 FY2022 Jun 30, 2019 10-Q ↗	Q1 FY2022 Mar 31, 2019 10-Q ↗	Q4 FY2021 Dec 31, 2018 10-K ↗	Q3 FY2021 Sep 30, 2018 10-Q ↗	Q2 FY2021 Jun 30, 2018 10-Q ↗	Q1 FY2021 Mar 31, 2018 10-Q ↗	Q4 FY2020 Dec 31, 2017 10-K ↗	Q3 FY2020 Sep 30, 2017 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2017 10-Q ↗	Q4 FY2019 Dec 31, 2016 10-K ↗	Q3 FY2019 Sep 30, 2016 10-Q ↗	Q2 FY2019 Jun 30, 2016 10-Q ↗	Q1 FY2019 Dec 31, 2016 10-Q ↗	Q4 FY2018 Dec 31, 2015 10-K ↗	Q3 FY2018 Sep 30, 2015 10-Q ↗	Q1 FY2018 Dec 31, 2015 10-Q ↗	Q4 FY2017 Dec 31, 2014 10-K ↗	Q1 FY2017 Dec 31, 2014 10-Q ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$28.50M	$57.16M	$57.16M	$77.50M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$86.52M	$87.12M	$84.10M	$82.20M	$60.72M	—	—	—	$49.24M	$44.81M	$46.33M	$46.55M	$46.42M	$46.16M	$45.99M	$49.62M	$50.97M	—	—	$50.61M	$50.78M	—	—	$29.89M	$29.64M	—	$29.68M	$29.34M	$29.34M

📋 What is driving earnings? 4 metrics

Metric	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2019 10-Q ↗	Q2 FY2022 Jun 30, 2019 10-Q ↗	Q1 FY2022 Mar 31, 2019 10-Q ↗	Q4 FY2021 Dec 31, 2018 10-K ↗	Q3 FY2021 Sep 30, 2018 10-Q ↗	Q2 FY2021 Jun 30, 2018 10-Q ↗	Q1 FY2021 Mar 31, 2018 10-Q ↗	Q4 FY2020 Dec 31, 2017 10-K ↗	Q3 FY2020 Sep 30, 2017 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2017 10-Q ↗	Q4 FY2019 Dec 31, 2016 10-K ↗	Q3 FY2019 Sep 30, 2016 10-Q ↗	Q2 FY2019 Jun 30, 2016 10-Q ↗	Q1 FY2019 Dec 31, 2016 10-Q ↗	Q4 FY2018 Dec 31, 2015 10-K ↗	Q3 FY2018 Sep 30, 2015 10-Q ↗	Q1 FY2018 Dec 31, 2015 10-Q ↗	Q4 FY2017 Dec 31, 2014 10-K ↗	Q1 FY2017 Dec 31, 2014 10-Q ↗
Sales/Revenue/Turnover (USD)	—	$8.65M	$9.10M	$8.53M	—	$3.87M	$4.04M	$4.23M	—	$3.98M	$3.84M	$6.39M	—	$7.21M	$3.54M	$7.00M	—	$7.26M	$3.77M	$5.24M	—	$6.43M	$5.64M	$4.57M	—	$3.82M	—	—	—
Depreciation Expense (USD)	$296.00K	$284.00K	$282.00K	$189.00K	$164.00K	$150.00K	$136.00K	$133.00K	$129.00K	—	$161.24K	—	$169.31K	—	—	—	—	—	$136.36K	—	—	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$148.00K	$1.57M	$1.50M	$-1.54M	$-1.68M	$-2.27M	$104.00K	$444.00K	$-1.94M	$41.21K	$41.21K	$41.21K	$181.08K	$142.24K	$370.63K	$370.63K	$-591.49K	$811.73K	$278.06K	$-197.75K	$4.22M	$583.63K	$485.65K	$5.86K	$94.73K	$128.41K	—	—	—
Operating Cash Flow (USD)	$626.00K	$2.28M	$1.31M	$-1.24M	$-3.39M	$2.05M	$1.50M	$759.00K	$6.48M	—	$7.46M	$17.82M	$-5.88M	—	$-4.80M	$1.69M	$5.41M	$9.15M	$141.00K	$7.13M	$18.34M	—	—	—	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2019 10-Q ↗	Q2 FY2022 Jun 30, 2019 10-Q ↗	Q1 FY2022 Mar 31, 2019 10-Q ↗	Q4 FY2021 Dec 31, 2018 10-K ↗	Q3 FY2021 Sep 30, 2018 10-Q ↗	Q2 FY2021 Jun 30, 2018 10-Q ↗	Q1 FY2021 Mar 31, 2018 10-Q ↗	Q4 FY2020 Dec 31, 2017 10-K ↗	Q3 FY2020 Sep 30, 2017 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2017 10-Q ↗	Q4 FY2019 Dec 31, 2016 10-K ↗	Q3 FY2019 Sep 30, 2016 10-Q ↗	Q2 FY2019 Jun 30, 2016 10-Q ↗	Q1 FY2019 Dec 31, 2016 10-Q ↗	Q4 FY2018 Dec 31, 2015 10-K ↗	Q3 FY2018 Sep 30, 2015 10-Q ↗	Q1 FY2018 Dec 31, 2015 10-Q ↗	Q4 FY2017 Dec 31, 2014 10-K ↗	Q1 FY2017 Dec 31, 2014 10-Q ↗
Net Interest Margin (approx.) (%)	3.6%	3.6%	3.9%	1.5%	2.5%	—	—	—	2.8%	3.7%	—	3.7%	3.6%	3.9%	—	4.0%	4.2%	—	—	—	3.8%	—	—	3.3%	4.4%	—	—	—	—
Efficiency Ratio (%) (%)	—	76.3%	80.1%	95.6%	—	93.1%	93.6%	85.8%	—	84.0%	80.6%	97.9%	—	97.7%	79.1%	93.0%	—	80.0%	68.4%	101.8%	—	88.1%	89.6%	98.4%	—	93.4%	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 2 days ago 8 years · 29 quarters

Bancorp 34, Inc.

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