Bancorp 34, Inc.

Bancorp 34, Inc.

BCTF
Bancorp 34, Inc.US flagOther OTC
14.85
USD
- -
- -
101.31MMarket Cap
2013 Y
2014 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
TTM
Revenue per Share
3.09
3.2
- -
4.71
6.72
7.33
4.32
4.67
5.68
7.38
8.06
4.35
5.06
5.11
Basic EPS, GAAP
-0.04
-0.46
- -
0.09
1.54
0.1
0.32
0.22
0.6
1.25
0.56
-0.96
0.29
0.81
Free Cash Flow per Basic Share
1.12
-1.36
- -
1.36
1.75
4.22
-2.2
9.96
0.99
2.57
3.85
0.19
0.42
0.56
Dividend per Share
- -
- -
- -
- -
- -
- -
1.23
0.15
0.21
0.21
0.3
0.18
- -
- -
Book Value per Share
6.83
7.14
- -
5.98
7.48
7.48
6.8
7.23
8.15
10.01
12.31
6.66
4.42
4.18
Tangible Book Value per Share
7.86
8.22
- -
8.52
14.69
14.54
13.71
14.01
15.38
15
20.87
16.62
13.37
12.2
Basic Weighted Avg Shares
3
3
1
3
3
3
3
3
3
3
2
4
6
7
Sales/Revenue/Turnover
9
9
- -
16
23
26
15
15
17
20
19
16
30
35
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
- -
1
1
1
1
1
1
1
- -
1
2
2
Net Income, GAAP
- -
-1
- -
- -
5
- -
1
1
2
3
1
-3
2
6
Effective Tax Rate (%)
- -
- -
- -
5.87
- -
84.52
26.46
25.3
21.68
20.34
4.18
- -
- -
22.57
Profit Margin (%)
-1.43
-14.3
- -
1.98
22.9
1.41
7.36
4.74
10.57
16.98
6.99
-21.39
5.66
15.94
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
13
9
- -
13
50
45
67
40
20
44
32
56
32
28
Total Equity
24
22
- -
30
51
51
46
45
46
41
49
61
87
90
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
-0.57
-6.21
- -
3.12
22.87
1.39
4.38
3.08
7.55
13.2
4.73
-13.17
6.7
20.39

Capital Structure

FRC

in mil. unless spec.
Sep'24
Dec'24
Mar'25
ST Debt
- -
- -
- -
LT Borrowings
54
27
28
LT Finance Leases
5
5
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7
7
7
Market Capitalization
64
67
87

Working Capital

FRC

in mil. unless spec.
Sep'24
Dec'24
Mar'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
125
190
122
Accounts Receivable, Net
3
3
3
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
15.45%
42.48%
Free Cash Flow
- -
48.92%
261.7%
Net Income, GAAP
- -
-64.83%
-149.65%
Sales/Revenue/Turnover
- -
19.49%
87.6%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
4
4
4
4
16
2024
3
9
9
9
30
2025
8
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.11
0.01
-0.48
- -
-0.96
2024
-0.37
0.23
0.24
- -
0.29
2025
0.31
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.09
0.09
- -
- -
0.18
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Ciaran H. McMullan
Full Time Employees
103
Sector
Financial Services
Industry
Banks - Regional
Address
14850 N. Scottsdale Road Scottsdale AZ United States of America 85254
IPO Date
May 22, 2000
Website
bank34.com
Business
Bancorp 34, Inc. (OTCQB: BCTF) operates as the holding company for Bank 34, a full-service community bank offering deposit products including checking accounts, savings accounts and certificates of deposit; loan products such as commercial real estate loans, commercial and industrial loans, agricultural loans, residential real estate loans and consumer loans; and other services encompassing online banking, mobile banking, merchant payment processing, bill pay, remote deposit capture, ICS and CDARS for extended FDIC coverage, and cash management solutions to individuals, businesses and agricultural customers primarily in Arizona and New Mexico. Headquartered in Scottsdale, Arizona, the company conducts its banking operations through seven full-service branches and maintains a focus on regional community banking in the southwestern United States. In recent developments, Bancorp 34 completed the acquisition of CBOA Financial, Inc., parent of an Alamogordo, New Mexico-based bank, following a definitive merger agreement announced in April 2023 for $28.3 million, which expanded its footprint and branch network; the company also closed a second round of private placement raising an additional $15.7 million in common stock and non-voting shares to bolster capital; and reported third quarter 2025 net income of $1.7 million with total loans growing amid a return to profitability after prior challenges.

Company News

APIChat
  • Bancorp 34, Inc. Announces Executive Transition

  • Bancorp 34, Inc. Reports 1st Quarter Performance

  • BANCORP 34 (OTCMKTS:BCTF) Trading 0.5% Higher – What’s Next?

  • Bancorp 34, Inc. Reports 4th Quarter Performance

  • Bancorp 34, Inc Reports 3rd Quarter Performance

  • First Northwest Bancorp (NASDAQ:FNWB) vs. NB Bancorp (NASDAQ:NBBK) Financial Comparison

  • Bancorp 34, Inc. Announces Resignation of Chief Executive Officer and Appointment of Chairman and Chief Executive Officer

  • Bancorp 34, Inc. Announces Completion of the Merger Between Bank 34 and Commerce Bank of Arizona

  • Bancorp 34, Inc. Reports 4th Quarter Performance, Provides Merger Update and Announces Proposed New Brand

  • Bancorp 34, Inc. Reports Revised 3rd Quarter Performance, Amends Merger Agreement with CBOA Financial, Inc.

  • Bancorp 34, Inc. Reports 3rd Quarter Performance

  • Bancorp 34, Inc. Reports Record Operating Earnings for the Year Ended December 31, 2022