Bancorp 34 (BCTF) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 4, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the filing for FY2024, filed Mar 6, 2025. Each column of the statement tables below links to the filing it was taken from.
Bancorp 34 Inc (BCTF) reported $34.9M in revenue for fiscal year 2024, up 119.2% from the prior fiscal year. This page shows its 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.
The business expanded its balance sheet sharply, but interest costs absorbed much of the growth and left profitability thin.
FY2024 revenue grew119.2% , while assets grew57.9% . That faster expansion still produced only$1.7M of net income as interest expense reached$21.5M , indicating funding cost absorbed much of the growth.
Liabilities were
Operating cash flow of
Financial Health Signals
We do not publish a peer-relative financial health score for Bancorp 34 Inc, because the score only covers companies whose filings and listing give us what it needs to compare them with their peers. The signals and metrics below are current.
Bancorp 34 Inc passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
Bancorp 34 Inc generated $8.6M in revenue in Q4 2024. This represents an increase of 127.7% from the same quarter a year earlier. Against the prior quarter it is down 0.9%.
Bancorp 34 Inc reported $148K in net income in Q4 2024. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. Against the prior quarter it is down 90.6%.
Not reported for Q4 2024.
Cash & Balance Sheet
Bancorp 34 Inc generated $368K in free cash flow in Q4 2024, representing cash available after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. Against the prior quarter it is down 83.0%.
Bancorp 34 Inc held $113.6M in cash against $28.5M in long-term debt as of Q4 2024.
Not reported for Q4 2024.
Margins & Returns
Bancorp 34 Inc's net profit margin was 1.7% in Q4 2024, showing the share of revenue converted to profit. This is up 46.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 16.5 percentage points.
Bancorp 34 Inc's quarterly ROE was 0.2% in Q4 2024: one quarter's net income over shareholder equity, not annualized. This is up 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.6 percentage points.
Not reported for Q4 2024.
Not reported for Q4 2024.
Capital Allocation
Bancorp 34 Inc invested $258K in capex in Q4 2024, funding long-term assets and infrastructure. This represents an increase of 104.8% from the same quarter a year earlier. Against the prior quarter it is up 136.7%.
Not reported for Q4 2024.
Not reported for Q4 2024.
BCTF Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'24Filing | Q3'24Filing | Q2'24Filing | Q1'24Filing | Q4'23Filing | Q3'23Filing | Q2'23Filing | Q1'23Filing |
|---|---|---|---|---|---|---|---|---|
| Revenue | $8.6M+127.7% | $8.7M+123.7% | $9.1M+124.9% | $8.5M+101.8% | $3.8M | $3.9M-17.8% | $4.0M | $4.2M |
| Interest Expense | $5.8M+51.8% | $5.8M+66.7% | $5.7M+84.4% | $4.3M+63.9% | $3.8M | $3.5M+131.5% | $3.1M | $2.6M |
| Income Tax | $101Kn/m | $477Kn/m | $351K+1747.4% | -$2.0M-1367.7% | -$27K | -$603K-287.9% | $19K | $158K |
| Net Income | $148Kn/m | $1.6Mn/m | $1.5M+1347.1% | -$1.5M-446.6% | -$1.7M | -$2.3M-326.6% | $104K | $444K-55.8% |
| EPS (Basic) | $0.01 | $0.22 | $0.21+2000.0% | -$0.31-381.8% | -$0.40n/m | -$0.52 | $0.01 | $0.11 |
| EPS (Diluted) | $0.01 | $0.22 | $0.21+2000.0% | -$0.31-381.8% | -$0.40n/m | -$0.52 | $0.01 | $0.11 |
| Diluted Shares (Avg) | N/A | 820,000 | 820,000 | N/A | N/A | 4M | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
BCTF Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'24Filing | Q3'24Filing | Q2'24Filing | Q1'24Filing | Q4'23Filing | Q3'23Filing | Q2'23Filing | Q1'23Filing |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $918.1M+57.9% | $939.4M+61.7% | $922.3M | $980.2M | $581.3M+1.2% | $580.9M | N/A | N/A |
| Cash & Equivalents | $113.6M+293.1% | $127.8M+779.1% | $78.7M+596.4% | $72.7M+644.3% | $28.9M+70.5% | $14.5M+27.1% | $11.3M | $9.8M |
| Short-Term Investments | $5.7M-0.3% | $5.6M-2.2% | $5.6M | $5.6M | $5.7M-2.5% | $5.8M | N/A | N/A |
| Total Liabilities | $831.6M+59.8% | $852.3M+63.8% | $838.2M | $898.0M | $520.5M-0.9% | $520.5M | N/A | N/A |
| Long-Term Debt | $28.5M-47.2% | $57.2M+32.9% | $57.2M | $77.5M | $54.0M | $43.0M | N/A | N/A |
| Total Equity | $86.5M+42.5% | $87.1M+44.2% | $84.1M+31.9% | $82.2M+27.5% | $60.7M+25.0% | $60.4M+66.4% | $63.7M | $64.5M |
| Retained Earnings | $26.0M+7.0% | $25.8M-0.5% | $24.3M | $22.8M | $24.3M-16.2% | $26.0M | N/A | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.
BCTF Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'24Filing | Q3'24Filing | Q2'24Filing | Q1'24Filing | Q4'23Filing | Q3'23Filing | Q2'23Filing | Q1'23Filing |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $626Kn/m | $2.3M+11.3% | $1.3M-12.3% | -$1.2M-263.9% | -$3.4M-152.4% | $2.0M | $1.5M | $759K |
| Depreciation & Amortization | $296K+80.5% | $284K+89.3% | $282K+107.4% | $189K+42.1% | $164K+27.1% | $150K | $136K | $133K |
| Stock-Based Compensation | N/A | N/A | N/A | $30K-3.2% | N/A | N/A | N/A | $31K |
| Capital Expenditures | $258K+104.8% | $109K+2080.0% | $33K-42.1% | $100K+163.2% | $126K-52.6% | $5K | $57K | $38K |
| Free Cash Flow | $368Kn/m | $2.2M+6.2% | $1.3M-11.1% | -$1.3M-286.4% | -$3.5M-156.7% | $2.0M | $1.4M | $721K |
| Investing Cash Flow | $4.9M-67.8% | $33.1M+5073.6% | $61.7Mn/m | $60.4Mn/m | $15.2Mn/m | $640K | -$7.7M | -$7.7M |
| Financing Cash Flow | -$19.7M-874.4% | $13.7M+2385.9% | -$57.1M-837.4% | -$15.4Mn/m | $2.5M+15.2% | $552K | $7.7M | -$259K |
| Dividends Paid | N/A | N/A | N/A | N/A | $0-100.0% | N/A | $329K | $328K |
| Share Buybacks | N/A | N/A | N/A | N/A | $0n/m | $0 | $0 | $210K |
BCTF Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'24Filing | Q3'24Filing | Q2'24Filing | Q1'24Filing | Q4'23Filing | Q3'23Filing | Q2'23Filing | Q1'23Filing |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 1.7%+46.2pp | 18.2%+77.0pp | 16.6%+14.0pp | -18.0%-28.5pp | -44.5% | -58.8%-80.1pp | 2.6% | 10.5% |
| Return on Equity | 0.2%+2.9pp | 1.8%+5.6pp | 1.8%+1.6pp | -1.9%-2.6pp | -2.8% | -3.8%-6.5pp | 0.2% | 0.7% |
| Return on Assets | 0.0%+0.3pp | 0.2%+0.6pp | 0.2% | -0.2% | -0.3% | -0.4% | N/A | N/A |
| Debt-to-Equity | 0.33-0.6x | 0.66-0.1x | 0.68 | 0.94 | 0.89 | 0.71 | N/A | N/A |
| Liabilities-to-Equity | 9.61+1.0x | 9.78+1.2x | 9.97 | 10.92 | 8.57-2.2x | 8.62 | N/A | N/A |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.01 | 0.01 | 0.01 | 0.01 | N/A | N/A |
| FCF Margin | 4.3%+97.8pp | 25.1%-27.7pp | 14.1%-21.6pp | -15.8%-32.8pp | -93.5% | 52.8% | 35.7% | 17.1% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Bancorp 34 Inc BCTF | FY2024 | $34.9M | $1.7M | 4.9% | $109.5M | — |
| Peoples Fincl Corp Miss PFBX | FY2025 | $27.5M | $3.9M | 14.2% | $109.5M | — |
Where Bancorp 34 Inc Ranks
Frequently Asked Questions
Bancorp 34 Inc (BCTF) reported $34.9M in total revenue for fiscal year 2024. This represents a 119.2% 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.
Bancorp 34 Inc (BCTF) revenue grew by 119.2% year-over-year, from $15.9M to $34.9M in fiscal year 2024.
Yes, Bancorp 34 Inc (BCTF) reported a net income of $1.7M in fiscal year 2024, with a net profit margin of 4.9%.
As of fiscal year 2024, Bancorp 34 Inc (BCTF) had $113.6M in cash and equivalents against $28.5M in long-term debt.
Bancorp 34 Inc (BCTF) had a net profit margin of 4.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Bancorp 34 Inc (BCTF) has a return on equity of 1.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
Bancorp 34 Inc (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.
Bancorp 34 Inc (BCTF) generated $3.0M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
Bancorp 34 Inc (BCTF) had $918.1M in total assets as of fiscal year 2024, including both current and long-term assets.
Bancorp 34 Inc (BCTF) invested $500K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Bancorp 34 Inc (BCTF) had a debt-to-equity ratio of 0.33 as of fiscal year 2024. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
Bancorp 34 Inc (BCTF) had a liabilities-to-equity ratio of 9.61 as of fiscal year 2024, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
Bancorp 34 Inc (BCTF) had a return on assets of 0.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
Bancorp 34 Inc (BCTF) trades at 64.8x earnings, its market capitalization divided by $1.7M net income, FY2024. The market capitalization is $109.5M as of Nov 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Bancorp 34 Inc (BCTF) trades at 3.1x sales, its market capitalization divided by $34.9M revenue, FY2024. The market capitalization is $109.5M as of Nov 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Bancorp 34 Inc (BCTF) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.