What is Bancorp's earnings per share (EPS)?

Bancorp (BCTF) reported diluted earnings per share of $0.25 for fiscal year 2024. This represents a 128.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Bancorp Financials

BCTF

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2024 Currency USD FYE December

This page shows Bancorp (BCTF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 62/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

Bancorp's revenue surged 80.6% year-over-year to $50.8M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

Bancorp carries a low D/E ratio of 0.33, meaning only $0.33 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 95/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Bancorp has a free cash flow margin of 4.9%, earning a moderate score of 37/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Bancorp generates a 1.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 15/100. This is up from -5.6% the prior year.

Piotroski F-Score Neutral

6/9

Bancorp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.76x

For every $1 of reported earnings, Bancorp generates $1.76 in operating cash flow ($3.0M OCF vs $1.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$50.8M

YoY+80.6%

5Y CAGR+26.0%

Bancorp generated $50.8M in revenue in fiscal year 2024. This represents an increase of 80.6% from the prior year.

EBITDA

N/A

Net Income

$1.7M

YoY+149.6%

5Y CAGR+36.2%

Bancorp reported $1.7M in net income in fiscal year 2024. This represents an increase of 149.6% from the prior year.

EPS (Diluted)

$0.25

YoY+128.4%

5Y CAGR+17.8%

Bancorp earned $0.25 per diluted share (EPS) in fiscal year 2024. This represents an increase of 128.4% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$2.5M

YoY+261.7%

5Y CAGR-30.0%

Bancorp generated $2.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 261.7% from the prior year.

Cash & Debt

$113.6M

YoY+293.1%

5Y CAGR+63.0%

Bancorp held $113.6M in cash against $28.5M in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

3.3%

YoY+15.4pp

5Y CAGR+1.1pp

Bancorp's net profit margin was 3.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 15.4 percentage points from the prior year.

Return on Equity

1.9%

YoY+7.5pp

5Y CAGR+1.2pp

Bancorp's ROE was 1.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 7.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$500K

YoY+121.2%

5Y CAGR-6.1%

Bancorp invested $500K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 121.2% from the prior year.

BCTF Income Statement

Metric	FY24	FY23	FY22	FY19	FY18	FY17
Revenue	$50.8M+80.6%	$28.1M+18.4%	$23.8M+25.4%	$18.9M+12.4%	$16.9M+5.6%	$16.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$21.5M+65.9%	$12.9M+143.7%	$5.3M+10.2%	$4.8M+51.9%	$3.2M+39.7%	$2.3M
Income Tax	-$1.1M-137.1%	-$453K-881.0%	$58K-91.3%	$666K-1.3%	$675K-65.7%	$2.0M
Net Income	$1.7M+149.6%	-$3.4M-355.8%	$1.3M+87.3%	$710K-33.8%	$1.1M+197.7%	$361K
EPS (Diluted)	$0.25+128.4%	$-0.88-257.1%	$0.56+143.5%	$0.23-30.3%	$0.33+200.0%	$0.11

Metric	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23
Revenue	$14.1M-0.7%	$14.2M-3.2%	$14.6M+84.7%	$7.9M+7.0%	$7.4M+3.2%	$7.2M+4.2%	$6.9M+3.3%	$6.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5.8M+0.3%	$5.8M+2.3%	$5.7M+32.9%	$4.3M+11.4%	$3.8M+10.1%	$3.5M+13.1%	$3.1M+18.1%	$2.6M
Income Tax	$101K-78.8%	$477K+35.9%	$351K+117.5%	-$2.0M-7318.5%	-$27K+95.5%	-$603K-3273.7%	$19K-88.0%	$158K
Net Income	$148K-90.6%	$1.6M+4.7%	$1.5M+197.8%	-$1.5M+8.1%	-$1.7M+26.4%	-$2.3M-2287.5%	$104K-76.6%	$444K
EPS (Diluted)	N/A	$0.22+4.8%	$0.21+167.7%	$-0.31	N/A	$-0.52-5300.0%	$0.01-90.9%	$0.11

BCTF Balance Sheet

Metric	FY24	FY23	FY22	FY19	FY18	FY17
Total Assets	$918.1M+57.9%	$581.3M+1.2%	$574.3M+45.9%	$393.7M+2.7%	$383.3M+14.0%	$336.2M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$113.6M+293.1%	$28.9M+70.5%	$16.9M-42.5%	$29.5M+150.4%	$11.8M+19.3%	$9.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$831.6M+59.8%	$520.5M-0.9%	$525.1M+50.6%	$348.7M+3.5%	$336.9M+18.1%	$285.2M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$28.5M-47.2%	$54.0M	N/A	N/A	N/A	N/A
Total Equity	$86.5M+42.5%	$60.7M+25.0%	$48.6M+7.8%	$45.1M-2.9%	$46.4M-8.9%	$51.0M
Retained Earnings	$26.0M+7.0%	$24.3M-16.2%	$29.0M+25.3%	$23.2M+1.0%	$22.9M-12.0%	$26.1M

Metric	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23
Total Assets	$918.1M-2.3%	$939.4M+1.9%	$922.3M-5.9%	$980.2M+68.6%	$581.3M+0.1%	$580.9M	N/A	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$113.6M-11.1%	$127.8M+62.4%	$78.7M+8.2%	$72.7M+151.7%	$28.9M+98.8%	$14.5M+28.7%	$11.3M+15.6%	$9.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$831.6M-2.4%	$852.3M+1.7%	$838.2M-6.7%	$898.0M+72.5%	$520.5M0.0%	$520.5M	N/A	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$28.5M-50.1%	$57.2M0.0%	$57.2M-26.2%	$77.5M+43.5%	$54.0M+25.6%	$43.0M	N/A	N/A
Total Equity	$86.5M-0.7%	$87.1M+3.6%	$84.1M+2.3%	$82.2M+35.4%	$60.7M+0.5%	$60.4M-5.2%	$63.7M-1.2%	$64.5M
Retained Earnings	$26.0M+0.6%	$25.8M+6.5%	$24.3M+6.6%	$22.8M-6.3%	$24.3M-6.4%	$26.0M	N/A	N/A

BCTF Cash Flow Statement

Metric	FY24	FY23	FY22	FY19	FY18	FY17
Operating Cash Flow	$3.0M+226.8%	$910K-90.7%	$9.8M-69.5%	$32.0M+542.0%	-$7.2M-146.9%	$15.4M
Capital Expenditures	$500K+121.2%	$226K-67.0%	$684K+3312.5%	$20K-89.9%	$198K-71.1%	$685K
Free Cash Flow	$2.5M+261.7%	$684K-92.5%	$9.1M-71.6%	$32.0M+530.0%	-$7.4M-150.4%	$14.7M
Investing Cash Flow	$160.1M+34485.3%	$463K+100.8%	-$56.8M-150.8%	-$22.7M+38.2%	-$36.7M-32.8%	-$27.6M
Financing Cash Flow	-$78.4M-841.3%	$10.6M-78.2%	$48.5M+478.4%	$8.4M-81.7%	$45.8M+709.3%	$5.7M
Dividends Paid	N/A	$656K-6.3%	$700K+45.3%	$482K-88.4%	$4.2M	N/A
Share Buybacks	N/A	$210K+169.2%	$78K-97.1%	$2.7M+41.8%	$1.9M+364.9%	$414K

Metric	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23
Operating Cash Flow	$626K-72.5%	$2.3M+73.2%	$1.3M+205.7%	-$1.2M+63.3%	-$3.4M-265.9%	$2.0M+36.5%	$1.5M+97.5%	$759K
Capital Expenditures	$258K+136.7%	$109K+230.3%	$33K-67.0%	$100K-20.6%	$126K+2420.0%	$5K-91.2%	$57K+50.0%	$38K
Free Cash Flow	$368K-83.0%	$2.2M+69.1%	$1.3M+195.4%	-$1.3M+61.8%	-$3.5M-272.5%	$2.0M+41.5%	$1.4M+100.0%	$721K
Investing Cash Flow	$4.9M-85.2%	$33.1M-46.3%	$61.7M+2.0%	$60.4M+297.5%	$15.2M+2275.9%	$640K+108.3%	-$7.7M-0.5%	-$7.7M
Financing Cash Flow	-$19.7M-243.7%	$13.7M+124.1%	-$57.1M-271.6%	-$15.4M-702.7%	$2.5M+361.4%	$552K-92.9%	$7.7M+3087.3%	-$259K
Dividends Paid	N/A	N/A	N/A	N/A	$0+100.0%	-$1K-100.3%	$329K+0.3%	$328K
Share Buybacks	N/A	N/A	N/A	N/A	$0	$0	$0-100.0%	$210K

BCTF Financial Ratios

Metric	FY24	FY23	FY22	FY19	FY18	FY17
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	3.3%+15.4pp	-12.1%-17.7pp	5.6%+1.9pp	3.8%-2.6pp	6.4%+4.1pp	2.3%
Return on Equity	1.9%+7.5pp	-5.6%-8.3pp	2.7%+1.2pp	1.6%-0.7pp	2.3%+1.6pp	0.7%
Return on Assets	0.2%+0.8pp	-0.6%-0.8pp	0.2%+0.1pp	0.2%-0.1pp	0.3%+0.2pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.33-0.6	0.89-9.9	10.81+3.1	7.73+0.5	7.26+1.7	5.60
FCF Margin	4.9%+2.4pp	2.4%-35.8pp	38.2%-130.5pp	168.7%+212.8pp	-44.1%-136.4pp	92.3%

Metric	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23	Q2'23	Q1'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	1.1%-10.1pp	11.1%+0.8pp	10.3%+29.7pp	-19.4%+3.2pp	-22.6%+9.1pp	-31.7%-33.2pp	1.5%-5.2pp	6.7%
Return on Equity	0.2%-1.6pp	1.8%+0.0pp	1.8%+3.7pp	-1.9%+0.9pp	-2.8%+1.0pp	-3.8%-3.9pp	0.2%-0.5pp	0.7%
Return on Assets	0.0%-0.1pp	0.2%0.0pp	0.2%+0.3pp	-0.2%+0.1pp	-0.3%+0.1pp	-0.4%	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.33-0.3	0.66-0.0	0.68-0.3	0.94+0.1	0.89+0.2	0.71	N/A	N/A
FCF Margin	2.6%-12.7pp	15.3%+6.5pp	8.8%+25.7pp	-17.0%+30.6pp	-47.5%-76.0pp	28.5%+7.5pp	20.9%+10.1pp	10.8%

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Frequently Asked Questions

What is Bancorp's annual revenue?

Bancorp (BCTF) reported $50.8M in total revenue for fiscal year 2024. This represents a 80.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Bancorp's revenue growing?

Bancorp (BCTF) revenue grew by 80.6% year-over-year, from $28.1M to $50.8M in fiscal year 2024.

Is Bancorp profitable?

Yes, Bancorp (BCTF) reported a net income of $1.7M in fiscal year 2024, with a net profit margin of 3.3%.

How much debt does Bancorp have?

As of fiscal year 2024, Bancorp (BCTF) had $113.6M in cash and equivalents against $28.5M in long-term debt.

What is Bancorp's net profit margin?

Bancorp (BCTF) had a net profit margin of 3.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Bancorp's return on equity (ROE)?

Bancorp (BCTF) has a return on equity of 1.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Bancorp's free cash flow?

Bancorp (BCTF) generated $2.5M in free cash flow during fiscal year 2024. This represents a 261.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Bancorp's operating cash flow?

Bancorp (BCTF) generated $3.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Bancorp's total assets?

Bancorp (BCTF) had $918.1M in total assets as of fiscal year 2024, including both current and long-term assets.

What are Bancorp's capital expenditures?

Bancorp (BCTF) invested $500K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

What is Bancorp's debt-to-equity ratio?

Bancorp (BCTF) had a debt-to-equity ratio of 0.33 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Bancorp's return on assets (ROA)?

Bancorp (BCTF) had a return on assets of 0.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Bancorp's Piotroski F-Score?

Bancorp (BCTF) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Bancorp's earnings high quality?

Bancorp (BCTF) has an earnings quality ratio of 1.76x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Bancorp?

Bancorp (BCTF) scores 62 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.