Reviewing Bancorp 34 (BCTF) and Its Rivals

Profitability

This table compares Bancorp 34 and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bancorp 34	-0.27%	-0.17%	-0.02%
Bancorp 34 Competitors	8.86%	5.19%	0.53%

Insider & Institutional Ownership

6.5% of Bancorp 34 shares are owned by institutional investors. Comparatively, 41.7% of shares of all “Federal savings institutions” companies are owned by institutional investors. 7.4% of Bancorp 34 shares are owned by company insiders. Comparatively, 9.6% of shares of all “Federal savings institutions” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Volatility & Risk

Bancorp 34 has a beta of 0.31, meaning that its share price is 69% less volatile than the S&P 500. Comparatively, Bancorp 34’s rivals have a beta of 0.28, meaning that their average share price is 72% less volatile than the S&P 500.

Valuation and Earnings

This table compares Bancorp 34 and its rivals top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Bancorp 34	$28.85 million	-$3.40 million	-41.75
Bancorp 34 Competitors	$1.68 billion	$303.01 million	3.11

Bancorp 34’s rivals have higher revenue and earnings than Bancorp 34. Bancorp 34 is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Summary

Bancorp 34 rivals beat Bancorp 34 on 8 of the 9 factors compared.

Bancorp 34 Company Profile

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking products and services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand and time deposits, NOW accounts, and individual retirement accounts, as well as certificates of deposit. The company also provides term, working capital, construction, USDA, small business administration, equipment, assisted living and skilled nursing, renewable energy and solar equipment, and commercial real estate loans; and small to medium size business and business acquisitions financing; lines of credit; multi-family finance; and employee stock ownership plans, HOA lending, and investor pools of single family rentals. In addition, it offers credit and debit cards; safe deposit boxes; treasury management products; and merchant card processing, cash management, e-banking, mobile and online banking, bill payment, and merchant capture services. The company operates through its network of full-service branches in Scottsdale and Arizona, as well as Alamogordo and Las Cruces, New Mexico. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.