Stocktoria

Bancorp 34, Inc. BCTF

OTC · stock · Savings Institution, Federally Chartered · website · IPO 2000-05-22

Bancorp 34, Inc. statistics & valuation

Market cap$112.4M
P / E66.6×
P / B1.3×
P / FCF45.4×
Return on equity2.0%
Net debt$28.5M
Enterprise value USD$140.9M

Market cap as of 2026-07-01. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Gross margin (%)
20152016201720182019202220232024
Operating margin (%)
20152016201720182019202220232024
Return on equity (%)
1.10% 10.40% 0.70% 2.30% 1.60% 2.70% -5.60% 2.00% 20152016201720182019202220232024
Shares outstanding
3.4M 3.4M 3.5M 3.4M 3.2M 20152016201720182019202220232024
Net debt ($)
$54.0M $28.5M 20152016201720182019202220232024
Share buybacks ($)
20152016201720182019202220232024
Return on assets (%)
0.10% 1.60% 0.10% 0.30% 0.20% 0.20% -0.60% 0.20% 20152016201720182019202220232024
Free cash flow margin (%)
20152016201720182019202220232024
Debt / equity (×)
0.89× 0.33× 20152016201720182019202220232024
EPS ($)
$0.09 $1.57 $0.11 $0.33 $0.23 $0.56 -$0.88 $0.25 20152016201720182019202220232024

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Bancorp 34, Inc. trades at about 62× earnings — near its 10-year norm (10-year range 8.2×–136.8×, median 57.8×).

8.2× 136.8×

Shaded band = 10-year range (8.2×–136.8×); dot = today's 62×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2024FY2023FY2022FY2019FY2018FY2017FY2016FY2015
Return on assets0.2%-0.6%0.2%0.2%0.3%0.1%1.6%0.1%
Return on equity2.0%-5.6%2.7%1.6%2.3%0.7%10.4%1.1%
Debt / equity0.33×0.89×——————

Computed from company filings · US · as of 2024-12-31. Facts plus Stocktoria's own computed scores — not investment advice.