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Bancorp 34, Inc (BCTF) Fair Value & Analysis

Financial Services · US · Market cap $102M

Price$15.01
Fair Value$3.22
Upside-78.5%
Quality92/100
Evidence: High Range $2.41 – $4.02

Fair value as of: Jun 26, 2026

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Analysis

Bancorp 34, Inc (BCTF) currently trades at $15.01, while our model-based Fair Value estimate is $3.22 — implying the stock looks roughly 78.5% overvalued today. We read business quality at 92/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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, sa…

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Frequently asked questions

Is Bancorp 34, Inc (BCTF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $3.22 versus a price of $15.01 — about −79% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BCTF?
Our 21-model fair value for Bancorp 34, Inc is $3.22 (as of Jun 26, 2026), built from audited fundamentals. The current price is $15.01.
What is the quality score of BCTF?
Bancorp 34, Inc has a Quality Score of 92/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.