Bancorp 34 Inc(BCTF)
USD --+0.00%
Reward42Moderate
Risk35Moderate
📊75%Data
Strong 21% profit margin · Revenue down 14% YoY
BCTF
+0.0 · +0.00%
USD · OTCQB
Bancorp 34 Inc | Financial Services
Earnings Deterioration
Market Cap:99.85M
ℹ️
Reward Rating
42
Moderate
Bottom 10% (model universe)
75% data coverage
ℹ️
Risk Rating
35
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on BCTF to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
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Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is 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.

BCTF · Verdict

Moderate reward · moderate risk

BCTF's standout is volatility; growth and profitability weigh on the picture.

Based on 88% data coverage

BCTF · Verdict

What’s working & what to watch

Strengths 1

  • Volatility95/100

    Top decile vs peers

Watchouts 3

  • Growth35/100

    Rev +14.2% CAGR · earnings -20.8%

  • Profitability43/100

    6% net margin · 8% ROE

  • Valuation43/100

    Below average

Model-based scoring. For information only — not financial advice.

What is 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. The company is listed on the OTCQB in USA, operating in the Financial Services sector, with a market capitalisation of 99.85M, and a P/E ratio of 17.2x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue growth is subdued, limiting near-term earnings expansion.
💰 Profitability
Profitability metrics are mixed — margins may be under pressure.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Discount reflects uncertainty around future performance.

OpenBook Logo Analysis

Reward: Moderate (42)

The scoring profile indicates limited reward potential at this time, with momentum and size offering the most support. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap99.85M
P/E Ratio17.2184
Dividend YieldN/A
52 Week High15.98
52 Week Low11.75
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding7M
No. of Employees103
IndustryBanks - Regional
ExchangeOTCQB
Beta0.184
CurrencyUSD