_id

690db609ccc777a4e85d0dfe

Ticker

BCTF

Name

Bancorp 34 Inc

Exchange

OTCQB

Address

8777 East Hartford Drive, Scottsdale, AZ, United States, 85255

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.swhbank.com

Description

Bancorp 34, Inc. operates as the holding company for Southwest Heritage Bank that offers various banking products and services to individuals and businesses in the United States. The company accepts various deposit products comprising noninterest bearing accounts, interest-bearing demand products, savings accounts, NOW and time deposits, money market accounts, and certificates of deposit. It also provides variable and fixed rate commercial loans to small-and medium-sized manufacturing, wholesale, retail and service businesses for working capital needs and business expansion; commercial real estate loans; multifamily loans; construction and land development loans comprising residential and commercial construction, and land acquisition, and development loans, as well as residential real estate loans; consumer loans, such as direct personal and automobile; and lines of credit and loans. In addition, the company offers online banking and bill payment services, online cash management, safe deposit box rentals, credit and debit cards, ATM cards, and treasury management services. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.

Last Close

13.48

Volume

500

Current Price

13.46

Change

-0.14836795252225204

Last Updated

2025-11-28T12:46:38.482Z

Image

-

Ipo Date

-

Market Cap

87983488

Next Dividend Date

-

Dividend Frequency

-

Dividend Rate

-

Dividend Yield

0

Sentiment

-

Sentiment Sources

0

Current Quarter

2025-03-31

Revenue

8285000

Cost Of Revenue

-

Gross Profit

-

Operating Expenses

-

Operating Income

-

Interest Expense

5575000

Pretax Income

2993000

Net Income

2308000

Eps

0.3462650112558633

Dividends Per Share

-

Shares Outstanding

6665415

Income Tax Expense

-

EBITDA

-

Operating Margin

-

Total Other Income Expense Net

-

Cash

122373000

Short Term Investments

-

Receivables

2572000

Inventories

-

Total Current Assets

-

Property Plant Equipment

11984000

Total Assets

943639000

Payables

-

Short Term Debt

-

Long Term Debt

27722000

Total Liabilities

853582000

Equity

90057000

Depreciation

-

Change In Working Capital

-

Cash From Operations

-

Capital Expenditures

0

Cash From Investing

-

Cash From Financing

-

Net Change In Cash

-

PE

15.1724

PB

0.9784557147140145

ROE

2.5628213242724054

ROA

0.2445850584810505

FCF

-

Fcf Percent

-

Piotroski FScore

2

Health Score

40

Deep Value Investing Score

5.5

Defensive Investing Score

3.5

Dividend Investing Score

1.5

Economic Moat Investing Score

6.8

Garp Investing Score

3.5

Growth Investing Score

3.5

Momentum Investing Score

7

Net Net Investing Score

3.5

Quality Investing Score

3.5

Value Investing Score

5.5

Quarters > 0 > quarter

2025-03-31

Quarters > 0 > income Statement > revenue

8285000

Quarters > 0 > income Statement > cost Of Revenue

-

Quarters > 0 > income Statement > gross Profit

-

Quarters > 0 > income Statement > operating Expenses

-

Quarters > 0 > income Statement > operating Income

-

Quarters > 0 > income Statement > interest Expense

5575000

Quarters > 0 > income Statement > pretax Income

2993000

Quarters > 0 > income Statement > net Income

2308000

Quarters > 0 > income Statement > eps

0.3462650112558633

Quarters > 0 > income Statement > dividends Per Share

-

Quarters > 0 > income Statement > shares Outstanding

6665415

Quarters > 0 > income Statement > income Tax Expense

-

Quarters > 0 > income Statement > EBITDA

-

Quarters > 0 > income Statement > operating Margin

-

Quarters > 0 > income Statement > total Other Income Expense Net

-

Quarters > 0 > balance Sheet > cash

122373000

Quarters > 0 > balance Sheet > short Term Investments

-

Quarters > 0 > balance Sheet > receivables

2572000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

-

Quarters > 0 > balance Sheet > property Plant Equipment

11984000

Quarters > 0 > balance Sheet > total Assets

943639000

Quarters > 0 > balance Sheet > payables

-

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

27722000

Quarters > 0 > balance Sheet > total Liabilities

853582000

Quarters > 0 > balance Sheet > equity

90057000

Quarters > 0 > cash Flow > net Income

2308000

Quarters > 0 > cash Flow > depreciation

-

Quarters > 0 > cash Flow > change In Working Capital

-

Quarters > 0 > cash Flow > cash From Operations

-

Quarters > 0 > cash Flow > capital Expenditures

0

Quarters > 0 > cash Flow > cash From Investing

-

Quarters > 0 > cash Flow > cash From Financing

-

Quarters > 0 > cash Flow > net Change In Cash

-

Quarters > 0 > ratios > PE

0.3462650112558633

Quarters > 0 > ratios > PB

0.9784557147140145

Quarters > 0 > ratios > ROE

2.5628213242724054

Quarters > 0 > ratios > ROA

0.2445850584810505

Quarters > 0 > ratios > FCF

-

Quarters > 0 > ratios > Piotroski FScore

2

Quarters > 0 > ratios > fcf Percent

-

Quarters > 0 > health Score

40

Quarters > 1 > quarter

2024-12-31

Quarters > 1 > income Statement > revenue

8572000

Quarters > 1 > income Statement > cost Of Revenue

-

Quarters > 1 > income Statement > gross Profit

-

Quarters > 1 > income Statement > operating Expenses

-

Quarters > 1 > income Statement > operating Income

-

Quarters > 1 > income Statement > interest Expense

5797000

Quarters > 1 > income Statement > pretax Income

249000

Quarters > 1 > income Statement > net Income

148000

Quarters > 1 > income Statement > eps

0.02220416883269834

Quarters > 1 > income Statement > dividends Per Share

0

Quarters > 1 > income Statement > shares Outstanding

6665415

Quarters > 1 > income Statement > income Tax Expense

-

Quarters > 1 > income Statement > EBITDA

-

Quarters > 1 > income Statement > operating Margin

-

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > balance Sheet > cash

111510000

Quarters > 1 > balance Sheet > short Term Investments

78661000

Quarters > 1 > balance Sheet > receivables

2613000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

-

Quarters > 1 > balance Sheet > property Plant Equipment

12483000

Quarters > 1 > balance Sheet > total Assets

918095000

Quarters > 1 > balance Sheet > payables

-

Quarters > 1 > balance Sheet > short Term Debt

-

Quarters > 1 > balance Sheet > long Term Debt

27352000

Quarters > 1 > balance Sheet > total Liabilities

831580000

Quarters > 1 > balance Sheet > equity

86515000

Quarters > 1 > cash Flow > net Income

148000

Quarters > 1 > cash Flow > depreciation

711000

Quarters > 1 > cash Flow > change In Working Capital

609000

Quarters > 1 > cash Flow > cash From Operations

626000

Quarters > 1 > cash Flow > capital Expenditures

258000

Quarters > 1 > cash Flow > cash From Investing

-

Quarters > 1 > cash Flow > cash From Financing

-19725000

Quarters > 1 > cash Flow > net Change In Cash

-14205000

Quarters > 1 > ratios > PE

0.02220416883269834

Quarters > 1 > ratios > PB

1.0185145500780213

Quarters > 1 > ratios > ROE

0.17106860082066694

Quarters > 1 > ratios > ROA

0.016120336130792563

Quarters > 1 > ratios > FCF

368000

Quarters > 1 > ratios > Piotroski FScore

4

Quarters > 1 > ratios > fcf Percent

0.04293047130191321

Quarters > 1 > health Score

36

Quarters > 2 > quarter

2024-09-30

Quarters > 2 > income Statement > revenue

8653000

Quarters > 2 > income Statement > cost Of Revenue

-

Quarters > 2 > income Statement > gross Profit

-

Quarters > 2 > income Statement > operating Expenses

-

Quarters > 2 > income Statement > operating Income

-

Quarters > 2 > income Statement > interest Expense

5782000

Quarters > 2 > income Statement > pretax Income

2052000

Quarters > 2 > income Statement > net Income

1575000

Quarters > 2 > income Statement > eps

0.23811989601341937

Quarters > 2 > income Statement > dividends Per Share

0

Quarters > 2 > income Statement > shares Outstanding

6614315

Quarters > 2 > income Statement > income Tax Expense

-

Quarters > 2 > income Statement > EBITDA

-

Quarters > 2 > income Statement > operating Margin

-

Quarters > 2 > income Statement > total Other Income Expense Net

-

Quarters > 2 > balance Sheet > cash

66940000

Quarters > 2 > balance Sheet > short Term Investments

58191000

Quarters > 2 > balance Sheet > receivables

2619000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

-

Quarters > 2 > balance Sheet > property Plant Equipment

12742000

Quarters > 2 > balance Sheet > total Assets

939414000

Quarters > 2 > balance Sheet > payables

-

Quarters > 2 > balance Sheet > short Term Debt

-

Quarters > 2 > balance Sheet > long Term Debt

54318000

Quarters > 2 > balance Sheet > total Liabilities

852292000

Quarters > 2 > balance Sheet > equity

87122000

Quarters > 2 > cash Flow > net Income

1575000

Quarters > 2 > cash Flow > depreciation

713000

Quarters > 2 > cash Flow > change In Working Capital

742000

Quarters > 2 > cash Flow > cash From Operations

2277000

Quarters > 2 > cash Flow > capital Expenditures

109000

Quarters > 2 > cash Flow > cash From Investing

-

Quarters > 2 > cash Flow > cash From Financing

13722000

Quarters > 2 > cash Flow > net Change In Cash

49110000

Quarters > 2 > ratios > PE

0.23811989601341937

Quarters > 2 > ratios > PB

1.0036643362181767

Quarters > 2 > ratios > ROE

1.807809738068456

Quarters > 2 > ratios > ROA

0.16765771001922475

Quarters > 2 > ratios > FCF

2168000

Quarters > 2 > ratios > Piotroski FScore

4

Quarters > 2 > ratios > fcf Percent

0.25054894256327287

Quarters > 2 > health Score

53

Quarters > 3 > quarter

2024-06-30

Quarters > 3 > income Statement > revenue

9213000

Quarters > 3 > income Statement > cost Of Revenue

-

Quarters > 3 > income Statement > gross Profit

-

Quarters > 3 > income Statement > operating Expenses

-

Quarters > 3 > income Statement > operating Income

-

Quarters > 3 > income Statement > interest Expense

5653000

Quarters > 3 > income Statement > pretax Income

1856000

Quarters > 3 > income Statement > net Income

1505000

Quarters > 3 > income Statement > eps

0.22753678952393408

Quarters > 3 > income Statement > dividends Per Share

0

Quarters > 3 > income Statement > shares Outstanding

6614315

Quarters > 3 > income Statement > income Tax Expense

-

Quarters > 3 > income Statement > EBITDA

-

Quarters > 3 > income Statement > operating Margin

-

Quarters > 3 > income Statement > total Other Income Expense Net

-

Quarters > 3 > balance Sheet > cash

52515000

Quarters > 3 > balance Sheet > short Term Investments

56257000

Quarters > 3 > balance Sheet > receivables

2787000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

-

Quarters > 3 > balance Sheet > property Plant Equipment

12999000

Quarters > 3 > balance Sheet > total Assets

922271000

Quarters > 3 > balance Sheet > payables

-

Quarters > 3 > balance Sheet > short Term Debt

-

Quarters > 3 > balance Sheet > long Term Debt

54286000

Quarters > 3 > balance Sheet > total Liabilities

838172000

Quarters > 3 > balance Sheet > equity

84099000

Quarters > 3 > cash Flow > net Income

1505000

Quarters > 3 > cash Flow > depreciation

716000

Quarters > 3 > cash Flow > change In Working Capital

-485000

Quarters > 3 > cash Flow > cash From Operations

1315000

Quarters > 3 > cash Flow > capital Expenditures

33000

Quarters > 3 > cash Flow > cash From Investing

-

Quarters > 3 > cash Flow > cash From Financing

-57051000

Quarters > 3 > cash Flow > net Change In Cash

5946000

Quarters > 3 > ratios > PE

0.22753678952393408

Quarters > 3 > ratios > PB

1.0397417840878014

Quarters > 3 > ratios > ROE

1.7895575452740224

Quarters > 3 > ratios > ROA

0.1631841400195821

Quarters > 3 > ratios > FCF

1282000

Quarters > 3 > ratios > Piotroski FScore

3

Quarters > 3 > ratios > fcf Percent

0.13915119939216325

Quarters > 3 > health Score

46

Valuation > metrics > PE

15.1724

Valuation > metrics > PB

0.9784557147140145

Valuation > final Score

100

Valuation > verdict

1.1% Undervalued

Profitability > metrics > ROE

2.5628213242724054

Profitability > metrics > Net Margin

0.27857573928786966

Profitability > final Score

50

Profitability > verdict

Weak

Risk > metrics > Debt Equity

9.4782415581243

Risk > metrics > Interest Coverage

0

Risk > final Score

6

Risk > verdict

High

Liquidity > final Score

50

Liquidity > verdict

Weak

Prev Valuations > 0

100

Prev Valuations > 1

100

Prev Valuations > 2

100

Prev Profitabilities > 0

18

Prev Profitabilities > 1

46

Prev Profitabilities > 2

43

Prev Risks > 0

6

Prev Risks > 1

6

Prev Risks > 2

6

Prev Liquidities > 0

50

Prev Liquidities > 1

50

Prev Liquidities > 2

50

Updated At

2025-12-16T12:13:58.891Z