Return On Equity
7.6%
Third-party reference; reporting period not verified
Bancorp 34, Inc. financial metrics
Period Q1 2025 · Filed 06 Mar 2025
Key metrics snapshot
Return On Assets
0.84%
Third-party reference; reporting period not verified
Operating Margin
32%
Third-party reference; reporting period not verified
Debt-to-equity
10.06x
Period-end balance · Through 31 Dec 2024
Profitability
| Metric | Latest value | YoY relative change |
|---|---|---|
| Return On Equity |
7.6%
Third-party reference; reporting period not verified
|
|
| Return On Assets |
0.84%
Third-party reference; reporting period not verified
|
|
| Operating Margin |
32%
Third-party reference; reporting period not verified
|
Financial Health
| Metric | Latest value | YoY relative change |
|---|---|---|
| Debt-to-equity |
10.06x
Period-end balance · 31 Dec 2024
|
Share Metrics
| Metric | Latest value | YoY relative change |
|---|---|---|
| Entity Common Stock, Shares Outstanding |
6,665,415
Period-end balance · 06 Mar 2025
|
+72% |
Comparisons, sources and research notes
Sources and sharing
BCTF - Bancorp 34, Inc. Financial Facts
- Context
- Latest metrics period: Q1 2025
- Latest reported value
- Return On Equity 7.6%
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.
Tracking and update notes
Why revisit this company facts page
Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.
- Latest source-backed update
- Latest metrics period Q1 2025
- Why come back
- Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
- Current latest metrics period: Q1 2025.
- Most recent SEC facts end date on this page: 06 Mar 2025.
- Save this filer to return when the next filing-backed metric period changes the picture.
Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.
Latest update
Latest update for BCTF - Bancorp 34, Inc.
Latest financial period: Q4 2024. Reopen this facts page to verify the newest reported period against the prior baseline.
Update date
06 Mar 2025
Page type
Company facts
Latest period
Q1 2025
SEC-backed company facts were refreshed from filings filed on 06 Mar 2025.
Benchmark Context
How Return On Equity compares
Return On Equity does not yet have enough prior-period data for a historical comparison on this page.
Compared with
Compared with Bancorp 34, Inc.'s recent history first. Same-industry peer context appears only when enough SEC-backed benchmark coverage exists.
Why this is notable
Return On Equity already has a self-history signal here, but same-industry benchmark context waits until the benchmark sample is strong enough.
- Latest comparable period on this page: Q1 2025.
- Peer context will appear when enough companies report a comparable value for this metric.
- Open the metric history first if you want to verify the exact period-to-period change.
Industry benchmark context uses SEC-reported values from the same methodology version. Latest periods may differ across companies.
Filing notes and source
Key facts
- BCTF - Bancorp 34, Inc. financial facts use SEC filings; any third-party reference is labeled separately.
- Latest metrics period on this page: Q1 2025.
- Headline metric: Return On Equity 7.6%.
Change
- Comparable YoY change is unavailable for this metric.
- Most recent SEC facts end date: 06 Mar 2025.
Research use
- This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
- Metric cards link to SEC history; a third-party reference may use a different or unverified reporting period.
Evidence
Based on latest 10-Q/10-K
View source filing
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.
Latest financial snapshot (2025-03-06) highlights Return On Equity 7.6%, Return On Assets 0.8%, and Operating Margin 32.2%.
Valuation Snapshot
SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.
No market comparison
No market comparison
Medium confidence
USD inputs only. Cash and complete debt must share the latest balance date. Missing balances are unknown, never zero; equity value and market EV remain unavailable until both are verified.
Fair value per share
n/a
Market price
$15.50
BCTF - Local security
PEG ratio
0.6x
P/E 7.5x / growth 13%
Net Income CAGR (2Y)
Enterprise value
$59.39M
Equity value
n/a
DCF fair value scenarios
Bear
n/a
- Growth
- 1%
- Discount
- 11%
- Terminal
- 2%
Base
n/a
- Growth
- 4%
- Discount
- 10%
- Terminal
- 2.5%
Bull
n/a
- Growth
- 7%
- Discount
- 9%
- Terminal
- 3%
Base growth: DCF Growth Assumption.
Key valuation metrics
EV/Revenue
n/a
Local security market EV / SEC revenue
Market enterprise value is unavailable
EV/EBITDA
n/a
Local security market EV / SEC EBITDA
Market enterprise value is unavailable
P/E
7.5x
Local security market price / SEC EPS
P/S
n/a
Local security market cap / SEC revenue
Revenue is unavailable or not positive
P/B
0.1x
Local security market cap / SEC equity
PEG
0.6x
P/E / Net Income CAGR
Core assumptions
- Projection
- 5 years
- FCF growth
- 4%
- Discount rate
- 10%
- Terminal growth
- 2.5%
SEC fact inputs
- DCF base FCF
- $4.08M
- Normalized SEC FCF average
- Reported FCF
- $2.47M
- Net income
- $1.69M
- EBITDA
- n/a
- Cash
- n/a
- Debt
- n/a
- Equity
- $86.52M
- Shares
- 820,000
Input periods, units and SEC sources
Equity value = DCF enterprise value + cash − debt. Cash flow uses matching annual or trailing-12-month periods.
- Operating cash flow: 2,974,000.0 USD · through 2024-12-31 · reported annual SEC source
- Capital expenditures: 500,000.0 USD · through 2024-12-31 · reported annual SEC source
- Cash and equivalents: unavailable on a verified comparable basis
- Debt: unavailable on a verified comparable basis
Data confidence notes
- Cash and equivalents unavailable: no usd cash balance at the latest balance date
- Debt unavailable: no complete usd debt balance at the latest balance date
- Dcf base free cash flow: trailing free cash flow is below recent annual free cash flow, so dcf uses a normalized sec average
- Cash and equivalents missing: equity value and market ev unavailable
- Debt missing: equity value and market ev unavailable
- Dcf uses fallback growth assumption because historical free cash flow growth is not positive
Financial Quality Score
Transparent 0-100 scoring model based on profitability, financial health, and growth factors.
12.5/100
Weak Confidence low
Return On Equity
7.6%
Metric score 0.0/100
Return On Assets
0.84%
Metric score 0.0/100
Financial Health
- Debt to Equity
- 10.06x
Strengths
Operating Margin
Watchpoints
Return On Equity, Return On Assets, and Debt-to-equity
Calculation methodology and other links
How we score
This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.
| Metric | Weight | V1 threshold |
|---|---|---|
| ROIC | 20 | 5% to 20% |
| ROE | 15 | 8% to 25% |
| ROA | 10 | 2% to 10% |
| Operating Margin | 5 | 5% to 25% |
| Current Ratio | 12 | 1.0x to 2.0x |
| Quick Ratio | 8 | 0.8x to 1.5x |
| Debt to Equity | 10 | 0.3x to 2.0x (lower is better) |
| Revenue YoY | 10 | -10% to +20% |
| Net Income YoY | 10 | -10% to +20% |
How Calculated (standard_v1)
Metrics are computed with a market-consensus convention designed for cross-portal comparability.
- Operating Income / Revenues using matching TTM or quarter periods; basis shown per metric
- Current Assets / Current Liabilities (latest instant quarter)
- (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
- Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
- TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
- TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
- TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
- Revenues YoY using available TTM or quarter comparison; basis shown per metric
- Net Income YoY using available TTM or quarter comparison; basis shown per metric
CIK / security context first