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Bancorp 34 Inc (BCTF) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bancorp 34 Inc stock $5.97, price $16.40, that is 63.6% below the price, quality 34 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

B3 Bancorp 34 Inc logo Some data Nov 4, 2026

Bancorp 34 Inc

BCTF · US
Very expensive, weak quality

Our calculation puts a fair price 64% below what the stock costs today.

Solidly profitable · 19.8% net margin (TTM)
Mixed Growth (revenue 5y +14.5 %/yr in USD)
Moderate moat 50/100 · thin data
Some data
Revenue last quarter 8% below a year ago.
Fair value $5.97 · Strongly overvalued
Quality 34/100
Trails peers (1/12)
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$16.40 $8.25 Fair Value $5.97 Sep 2020 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $8.25 – $16.40 · fair‑value band $4.47 – $7.45 · the $16.40 price screens above the $5.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 4, 2026.

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Company profile

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.

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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.

Stock analysis

Bancorp 34 Inc (BCTF) currently trades at $16.40, while our model-based Fair Value estimate is $5.97, 64% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $7.75 per share, and 0 of the 4 models we run sit above the $16.40 price.

Bear case: the Multiples group reads lowest at $7.02, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $4.47 (bear) to $7.45 (bull), the price of $16.40 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 34/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bancorp 34 Inc reported revenue of $29.8M in FY2024 versus $17.0M in FY2020, a compound +15.1%/yr. Reported net income was $1.7M in FY2024, compounding −1.5%/yr from FY2020.

Key figures

Market cap $109M Micro · P/E ratio 21.0 · P/S ratio 3.20 · EPS (TTM) $0.7800 · Net margin 19.8% · Return on equity 7.0% · Return on assets (EBIT) 0.6% (5-year average) · Operating margin 26.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 25% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −64%, BCTF screens richer than that median.

Fair Value models

Bear $4.47 Fair Value $5.97 Bull $7.45
Price $16.40 · Downside -63.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then ($0.7800 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $7.41 $7.66 $8.31 76
P/E Multiple $2.41 $3.22 $4.02 63
P/B Multiple $8.11 $10.82 $13.52 55
All 4 models by family
Multiples
P/E Multiple $2.41 $3.22 $4.02 63
P/B Multiple $8.11 $10.82 $13.52 55
Asset-Based
NCAV (Graham) $5.78 $7.75 $11.57 54
Economic Profit
Residual Income $7.41 $7.66 $8.31 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 34/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 15
How much profit the company makes from its sales and capital
Quality Growth 53
Are margins and returns getting better?
Cashflow 63
Do the profits arrive as real cash?
Financial strength 41
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 53
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 78
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+87.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.5%
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+29.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−4.4% vs 8.9%, slowing
⚠ Revenue per share shrinking 1.4%/yr over ~8Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.

BCTF screens overvalued: fair value 64% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 1/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 34 · Bottom 25%
Fair Value upside −63.6% · Bottom 25%
Profitability
Return on equity (12 months) 7.0% · Bottom 25%
Return on assets 0.2% · Bottom 25%
Net margin (12 months) 19.8% · Bottom 25%
Operating margin (12 months) 26.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −8.2% · Bottom 25%
Balance sheet
Debt / equity 0.32× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 21.0× · Priciest 25%
P/B 1.26× · Pricier than median
P/S (12 months) 3.20× · Cheaper than median
Price / free cash flow (fiscal year) 44.2× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)28 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BCTF
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BCTF
BNP Paribas SA BNP €91.93 €106.01 +15% vs BCTF
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BCTF
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BCTF
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BCTF
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BCTF
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BCTF
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BCTF
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BCTF

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Bancorp 34 Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bancorp 34 Inc Fair Value". https://www.fairvalue-calculator.com/stock/BCTF

Frequently asked questions

Is Bancorp 34 Inc (BCTF) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $5.97 versus a price of $16.40, about 64% lower (overvalued).
What is the fair value of BCTF?
Our model-based fair value for Bancorp 34 Inc is $5.97 (as of Nov 4, 2026), built from audited fundamentals. The current price: $16.40.
What is the quality score of BCTF?
Bancorp 34 Inc has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bancorp 34 Inc (BCTF)?
Our model-based price target is the fair value of $5.97 (as of Nov 4, 2026) from 4 valuation models. Cautious scenario $4.47, optimistic scenario $7.45. It is a calculation from audited fundamentals, not an analyst target.
What is the Bancorp 34 Inc stock forecast for 2026?
Our models put fair value at $5.97, about 64% lower versus a price of $16.40 (overvalued). Cautious scenario $4.47, optimistic scenario $7.45. The calculation is refreshed regularly with new filings.
What is the revenue of Bancorp 34 Inc (BCTF)?
Bancorp 34 Inc reported trailing-twelve-month revenue of about $34.1M (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of Bancorp 34 Inc (BCTF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bancorp 34 Inc it is $5.97 per share (as of Nov 4, 2026), against a price of $16.40. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Bancorp 34 Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, BCTF trades above its calculated fair value: price $16.40, fair value $5.97, a gap of about −64% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BCTF?
No. The price is what the market pays today ($16.40); the fair value is what the company's own numbers justify ($5.97). For Bancorp 34 Inc the two are $10.43 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bancorp 34 Inc worth?
The market values Bancorp 34 Inc at about $109M (market capitalisation, as of Nov 4, 2026). Per share that is $16.40; our models calculate a fair value of $5.97 per share.
What do the bullish and bearish scenarios say about BCTF?
Our models span a range for Bancorp 34 Inc: cautious scenario $4.47, base $5.97, optimistic $7.45 per share (as of Nov 4, 2026, price $16.40). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BCTF?
Bancorp 34 Inc trades at a price-to-earnings ratio of 21.0 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.97 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2016 to 2024), reported earnings: 33.4. Other multiples: P/B 1.3, P/S 3.2.
How solid is the balance sheet of Bancorp 34 Inc (BCTF)?
Balance-sheet figures for Bancorp 34 Inc (as of Nov 4, 2026): return on equity 7.0%, debt of 0.32 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is BCTF from its 52-week high?
Bancorp 34 Inc trades at $16.40, at its 52-week high of $16.40 and 25% above the low of $13.11 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $5.97 is for.
Which stocks are comparable to Bancorp 34 Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bancorp 34 Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $16.40, calculated fair value $5.97 (−64%), Quality Score 34/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BCTF calculated?
We run Bancorp 34 Inc through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $5.97 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Bancorp 34 Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bancorp 34 Inc (BCTF)?
The closing price on Nov 6, 2026 was $16.40. Our model-based fair value is $5.97, about 64% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bancorp 34 Inc right now?
The price sits above even our optimistic bull case ($7.45). The favourable scenario is already priced in. Weak quality (34/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Bancorp 34 Inc

How large is the market capitalisation of Bancorp 34 Inc (BCTF)?
The market capitalisation of Bancorp 34 Inc is $109M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bancorp 34 Inc (BCTF)?
The price-to-sales ratio of Bancorp 34 Inc is 3.20 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bancorp 34 Inc (BCTF)?
Earnings per share at Bancorp 34 Inc are $0.7800 (price ÷ EPS = P/E 21.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bancorp 34 Inc (BCTF)?
The net margin of Bancorp 34 Inc is 19.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bancorp 34 Inc (BCTF)?
The return on equity (ROE) of Bancorp 34 Inc is 7.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bancorp 34 Inc (BCTF)?
On an EBIT basis the return on assets of Bancorp 34 Inc is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bancorp 34 Inc (BCTF)?
The operating margin of Bancorp 34 Inc is 26.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bancorp 34 Inc (BCTF)?
Revenue at Bancorp 34 Inc is growing −8.2% versus a year earlier (3y avg +14.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bancorp 34 Inc (BCTF)?
Earnings per share at Bancorp 34 Inc are growing −25.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bancorp 34 Inc (BCTF) generate?
The free cash flow of Bancorp 34 Inc is $2.5M (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bancorp 34 Inc (BCTF) carry?
The net debt of Bancorp 34 Inc is $26.4M (fiscal year 2023, ≈ 10.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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