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Bancorp 34

Nasdaq:BCTF
Snowflake Description

Excellent balance sheet with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BCTF
Nasdaq
$49M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking services to individuals and businesses in the United States. The last earnings update was 86 days ago. More info.


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BCTF Share Price and Events
7 Day Returns
0%
NasdaqCM:BCTF
-1.8%
US Mortgage
-1.2%
US Market
1 Year Returns
-2.2%
NasdaqCM:BCTF
0.3%
US Mortgage
3.4%
US Market
BCTF Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bancorp 34 (BCTF) 0% -1.8% -0.8% -2.2% -27.4% -3.8%
US Mortgage -1.8% 0.5% 1.1% 0.3% 32% 43.3%
US Market -1.2% 1.2% 1.7% 3.4% 35.5% 41.6%
1 Year Return vs Industry and Market
  • BCTF underperformed the Mortgage industry which returned 0.3% over the past year.
  • BCTF underperformed the Market in United States of America which returned 3.4% over the past year.
Price Volatility
BCTF
Industry
5yr Volatility vs Market

Value

 Is Bancorp 34 undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Bancorp 34. This is due to cash flow or dividend data being unavailable. The share price is $15.4.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Bancorp 34's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bancorp 34's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqCM:BCTF PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $0.23
NasdaqCM:BCTF Share Price ** NasdaqCM (2019-07-17) in USD $15.4
United States of America Mortgage Industry PE Ratio Median Figure of 129 Publicly-Listed Mortgage Companies 14.44x
United States of America Market PE Ratio Median Figure of 3,080 Publicly-Listed Companies 17.88x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Bancorp 34.

NasdaqCM:BCTF PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqCM:BCTF Share Price ÷ EPS (both in USD)

= 15.4 ÷ 0.23

66.71x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bancorp 34 is overvalued based on earnings compared to the US Mortgage industry average.
  • Bancorp 34 is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Bancorp 34's expected growth come at a high price?
Raw Data
NasdaqCM:BCTF PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 66.71x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
28.7%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 50 Publicly-Listed Mortgage Companies 1.3x
United States of America Market PEG Ratio Median Figure of 2,119 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Bancorp 34, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Bancorp 34's assets?
Raw Data
NasdaqCM:BCTF PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $14.82
NasdaqCM:BCTF Share Price * NasdaqCM (2019-07-17) in USD $15.4
United States of America Mortgage Industry PB Ratio Median Figure of 145 Publicly-Listed Mortgage Companies 1.13x
United States of America Market PB Ratio Median Figure of 5,245 Publicly-Listed Companies 1.79x
NasdaqCM:BCTF PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqCM:BCTF Share Price ÷ Book Value per Share (both in USD)

= 15.4 ÷ 14.82

1.04x

* Primary Listing of Bancorp 34.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Bancorp 34 is good value based on assets compared to the US Mortgage industry average.
X
Value checks
We assess Bancorp 34's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Bancorp 34 has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Bancorp 34 expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Bancorp 34, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
28.7%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Bancorp 34 expected to grow at an attractive rate?
  • Bancorp 34's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Bancorp 34's earnings growth is expected to exceed the United States of America market average.
  • Unable to compare Bancorp 34's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqCM:BCTF Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqCM:BCTF Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 28.7%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 10.9%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqCM:BCTF Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqCM:BCTF Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 28 9 1
2018-12-31 29 -7 1
2018-09-30 29 4 0
2018-06-30 29 6 1
2018-03-31 27 10 1
2017-12-31 25 15 0
2017-09-30 24 28 5
2017-06-30 23 24 5
2017-03-31 22 20 5
2016-12-31 22 7 5
2016-09-30 21 -6 1
2016-06-30 18 -3 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Bancorp 34's earnings are expected to grow significantly at over 20% yearly.
  • Unable to determine if Bancorp 34 is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqCM:BCTF Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Bancorp 34 Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:BCTF Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 0.23
2018-12-31 0.33
2018-09-30 0.09
2018-06-30 0.30
2018-03-31 0.28
2017-12-31 0.11
2017-09-30 1.59
2017-06-30 1.50
2017-03-31 1.53
2016-12-31 1.57
2016-09-30 0.25
2016-06-30 0.17

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Bancorp 34 will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Bancorp 34's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Bancorp 34 has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Bancorp 34 performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Bancorp 34's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Bancorp 34 has delivered over 20% year on year earnings growth in the past 5 years.
  • Bancorp 34's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Bancorp 34's 1-year earnings growth is negative, it can't be compared to the US Mortgage industry average.
Earnings and Revenue History
Bancorp 34's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Bancorp 34 Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqCM:BCTF Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 28.21 0.73 24.86
2018-12-31 28.89 1.05 25.04
2018-09-30 28.70 0.28 24.42
2018-06-30 28.60 0.95 23.23
2018-03-31 27.01 0.92 21.70
2017-12-31 25.02 0.36 20.58
2017-09-30 23.80 5.17 20.20
2017-06-30 22.96 4.94 20.03
2017-03-31 22.49 5.09 19.71
2016-12-31 22.01 5.30 18.71
2016-09-30 20.60 1.17 17.19
2016-06-30 18.02 0.71 15.27
2016-03-31 16.33 0.59 13.59
2015-12-31 15.00 0.32 12.68
2015-09-30 13.63 -1.55 12.19
2015-06-30 12.69 1.05 11.25
2015-03-31 11.31 0.50 10.26
2014-12-31 10.27 0.33 9.28
2014-09-30 9.38 1.72 8.05
2014-06-30 8.66 -1.23 7.72
2014-03-31 8.71 -1.29 7.68
2013-12-31 8.89 -0.81 7.73
2013-09-30 9.10 -0.47 7.86
2013-06-30 9.39 -0.13 7.86

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Bancorp 34 has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Bancorp 34 used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if Bancorp 34 improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Bancorp 34's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Bancorp 34 has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Bancorp 34's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Bancorp 34's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Bancorp 34 Company Filings, last reported 3 months ago.

NasdaqCM:BCTF Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 46.55 50.00 11.57
2018-12-31 46.42 67.15 10.90
2018-09-30 46.16 70.00 15.40
2018-06-30 45.99 80.00 21.22
2018-03-31 49.62 45.00 12.34
2017-12-31 50.97 45.02 9.42
2017-09-30 51.92 67.00 34.90
2017-06-30 51.00 55.00 12.10
2017-03-31 50.61 50.00 14.04
2016-12-31 50.78 50.00 15.11
2016-09-30 30.99 49.00 22.35
2016-06-30 30.47 27.00 6.62
2016-03-31 29.89 11.00 15.92
2015-12-31 29.64 13.00 19.34
2015-09-30 29.68 23.50 11.11
2015-06-30 29.41 27.50 19.70
2015-03-31 29.06 20.00 6.51
2014-12-31 29.34 12.50 14.52
2014-09-30 30.57 16.22 8.90
2014-06-30 22.18 8.81 9.65
2014-03-31 22.14 8.90 5.74
2013-12-31 22.42 11.97 7.01
2013-09-30 21.73 13.95 4.78
2013-06-30 23.60 13.33 3.86
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Bancorp 34 has an acceptable proportion of non-loan assets held.
  • Bancorp 34's liabilities are made up of primarily low risk sources of funding.
  • Loans at Bancorp 34 are broadly funded by customer deposits.
  • Bancorp 34's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Bancorp 34 has a low allowance for bad loans.
  • Bancorp 34 has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Bancorp 34's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Bancorp 34 has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Bancorp 34's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.3%
Current annual income from Bancorp 34 dividends.
If you bought $2,000 of Bancorp 34 shares you are expected to receive $26 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Bancorp 34's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
  • Bancorp 34's dividend is below the markets top 25% of dividend payers in United States of America (3.76%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqCM:BCTF Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 95 Stocks 3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2016 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqCM:BCTF Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-05-22 0.200 1.294
2011-08-10 1.200 8.129
2011-05-20 1.120 6.119
2011-01-19 1.400 6.250
2010-12-10 1.400 6.799
2010-09-23 1.400 6.967
2010-05-04 1.400 7.173
2010-02-01 1.400 7.551
2009-11-03 1.000 5.581
2009-02-18 1.000 5.926
2008-11-17 1.000 4.444

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been volatile in the past 10 years (annual drop of over 20%).
  • Dividends per share have fallen over the past 10 years.
Current Payout to shareholders
What portion of Bancorp 34's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Bancorp 34 has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Bancorp 34's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Bancorp 34 afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Bancorp 34 has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Bancorp 34's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Jill Gutierrez
COMPENSATION $312,639
AGE 68
TENURE AS CEO 8 years
CEO Bio

Ms. Jill Gutierrez has been the Chief Executive Officer of Bancorp 34, Inc. since July 2011 and its president since October 02, 2018. Ms. Gutierrez has been the Chief Executive Officer of Bank 34, a subsidiary of Bancorp 34, Inc. since July 2011 and its President since October 02, 2018. She has been employed by Bank 34 since 2007. She has been employed in the banking industry since 1972. She has direct experience in managing operations and employees. Ms. Gutierrez served as the President of Bancorp 34, Inc. from July 2011 to January 2015. She served as the Chief Executive Officer of Alamogordo Financial Corp. since July 2011. She served as the President of Bank 34 since July 2011. She joined Bank 34 in September 2007 as Las Cruces Division President. She served as Senior Vice President and Chief Credit Officer of Bank 34. Prior to joining of Bank 34, Ms. Gutierrez served as Senior Vice President and Senior Lending Officer at Western Bank in Alamogordo, New Mexico and at First National Bank in Alamogordo, New Mexico. From 2001 to 2007, she served as Senior Vice President and Market President at First Federal Bank in Las Cruces, New Mexico. She has been a Director of Bancorp 34, Inc. and Bank 34 since July 2011. She served as a Director of Alamogordo Financial Corp. since July 2011.

CEO Compensation
  • Jill's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Jill's remuneration is lower than average for companies of similar size in United States of America.
Management Team

Jill Gutierrez

TITLE
President
COMPENSATION
$313K
AGE
68
TENURE
8 yrs

Jan Thiry

TITLE
Executive VP
COMPENSATION
$212K
AGE
67
TENURE
5.4 yrs

Kim Yacuel

TITLE
Senior VP & COO

Dorothy Valdez

TITLE
Corporate Secretary
Board of Directors Tenure

Average tenure and age of the Bancorp 34 board of directors in years:

6.7
Average Tenure
68
Average Age
  • The tenure for the Bancorp 34 board of directors is about average.
Board of Directors

Randy Rabon

TITLE
Chairman of the Board
COMPENSATION
$44K
AGE
62
TENURE
6.7 yrs

Jill Gutierrez

TITLE
President
COMPENSATION
$313K
AGE
68
TENURE
8 yrs

Bill Burt

TITLE
Vice Chairman of the Board
COMPENSATION
$42K
AGE
68
TENURE
9.8 yrs

Elaine Ralls

TITLE
Director
COMPENSATION
$44K
AGE
70
TENURE
4.9 yrs

Don Van Winkle

TITLE
Director
COMPENSATION
$41K
AGE
63
TENURE
6.1 yrs

Jim Harris

TITLE
Director
COMPENSATION
$42K
AGE
73
TENURE
11.1 yrs

Pete Cook

TITLE
Director
COMPENSATION
$42K
AGE
70
TENURE
4.3 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Bancorp 34 individual insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
14. Jun 19 Buy Wortham Cook Individual 13. Jun 19 13. Jun 19 300 $15.70 $4,710
13. Dec 18 Buy Wortham Cook Individual 11. Dec 18 11. Dec 18 389 $15.41 $5,994
07. Nov 18 Buy Don Van Winkle Individual 06. Nov 18 06. Nov 18 406 $15.75 $6,395
17. Aug 18 Buy James Harris Individual 15. Aug 18 15. Aug 18 900 $15.92 $14,330
X
Management checks
We assess Bancorp 34's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Bancorp 34 has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

What Kind Of Shareholder Owns Most Bancorp 34, Inc. (NASDAQ:BCTF) Stock?

Our analysis of the ownership of the company, below, shows that institutions own shares in the company. … View our latest analysis for Bancorp 34 NasdaqCM:BCTF Ownership Summary, July 4th 2019 What Does The Institutional Ownership Tell Us About Bancorp 34? … Insider Ownership Of Bancorp 34 While the precise definition of an insider can be subjective, almost everyone considers board members to be insiders.

Simply Wall St -

Investors Who Bought Bancorp 34 (NASDAQ:BCTF) Shares Three Years Ago Are Now Down 30%

(NASDAQ:BCTF) shareholders have had that experience, with the share price dropping 30% in three years, versus a market return of about 49%. … One imperfect but simple way to consider how the market perception of a company has shifted is to compare the change in the earnings per share (EPS) with the share price movement. … During the unfortunate three years of share price decline, Bancorp 34 actually saw its earnings per share (EPS) improve by 52% per year.

Simply Wall St -

What Kind Of Shareholder Owns Most Bancorp 34, Inc. (NASDAQ:BCTF) Stock?

Large companies usually have institutions as shareholders, and we usually see insiders owning shares in smaller companies. … As Nassim Nicholas Taleb said, 'Don’t tell me what you think, tell me what you have in your portfolio.'. … With a market capitalization of US$50m, Bancorp 34 is a small cap stock, so it might not be well known by many institutional investors.

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Is Bancorp 34, Inc.'s (NASDAQ:BCTF) CEO Pay Justified?

This report will, first, examine the CEO compensation levels in comparison to CEO compensation at companies of similar size. … How Does Jill Gutierrez's Compensation Compare With Similar Sized Companies. … We examined a group of similar sized companies, with market capitalizations of below US$200m

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How Should Investors React To Bancorp 34 Inc's (NASDAQ:BCTF) CEO Pay?

First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Jill Gutierrez's Compensation Compare With Similar Sized Companies. … We examined a group of similar sized companies, with market capitalizations of below US$200m

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Should You Be Holding Bancorp 34 Inc (NASDAQ:BCTF) Right Now?

Generally, an investor should consider two types of risk that impact the market value of BCTF. … The second risk is market-wide, which arises from investing in the stock market. … A widely-used metric to measure a stock's market risk is beta, and the broad market index represents a beta value of one.

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With A -81.93% Earnings Drop, Is Bancorp 34 Inc's (NASDAQ:BCTF) A Concern?

Assessing Bancorp 34 Inc's (NASDAQ:BCTF) past track record of performance is a valuable exercise for investors. … Today I will assess BCTF's recent performance announced on 31 March 2018 and evaluate these figures to its longer term trend and industry movements. … Did BCTF perform worse than its track record and industry.

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Before You Buy Bancorp 34 Inc's (NASDAQ:BCTF), Consider This

Generally, an investor should consider two types of risk that impact the market value of BCTF. … A widely-used metric to measure a stock's market risk is beta, and the broad market index represents a beta value of one. … Thus, we can expect BCTF to be more stable in the face of market movements, relative to its peers of similar size but with a higher portion of fixed assets on their books.

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Does Bancorp 34 Inc's (NASDAQ:BCTF) CEO Pay Matter?

Even though one size does not fit all, since compensation should be tailored to the specific company and market, we can estimate a high-level yardstick to see if BCTF deviates substantially from its peers. … Allowing for BCTF's size and performance, in terms of market cap and earnings, it appears that Gutierrez is compensated similar to the average US small-cap CEO This could mean Gutierrez is paid a suitable level. … Next Steps: Hopefully this article has given you insight on how shareholders should think about BCTF's governance policies such as CEO pay.

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Does Bancorp 34 Inc's (NASDAQ:BCTF) PE Ratio Signal A Selling Opportunity?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for BCTF Price per share = $16.5 Earnings per share = $0.111 ∴ Price-Earnings Ratio = $16.5 ÷ $0.111 = 149.3x The P/E ratio itself doesn’t tell you a lot; however, it becomes very insightful when you compare it with other similar companies. … For example, if you are inadvertently comparing riskier firms with BCTF, then BCTF’s P/E would naturally be higher than its peers since investors would reward its lower risk with a higher price. … If this assumption does not hold true, BCTF’s higher P/E ratio may be because firms in our peer group are being undervalued by the market.

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Company Info

Description

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand deposits, NOW accounts, and certificates of deposit, as well as commercial checking accounts and related services, including online cash management. The company also originates commercial real estate loans, multi-family real estate loans, commercial and industrial loans, construction and land development loans, one- to four-family residential real estate loans, and consumer and other loans. It operates 4 full-service banking centers, including 1 each in Otero and Dona Ana Counties, New Mexico; and 2 in Maricopa County, Arizona, as well as 10 residential mortgage and commercial loan production offices in Texas, Arizona, New Mexico, Oregon, and Washington. Bancorp 34, Inc. was founded in 1934 and is headquartered in Alamogordo, New Mexico.

Details
Name: Bancorp 34, Inc.
BCTF
Exchange: NasdaqCM
Founded: 1934
$48,707,720
3,162,839
Website: http://www.bank34.com
Address: Bancorp 34, Inc.
500 East 10th Street,
Alamogordo,
New Mexico, 88310,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqCM BCTF New Common Stock Nasdaq Capital Market US USD 17. May 2000
Number of employees
Current staff
Staff numbers
166
Bancorp 34 employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/21 01:21
End of day share price update: 2019/07/17 00:00
Last earnings filing: 2019/04/26
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.