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Bancorp 34, Inc. (BCTF)
USD15.13
-0.14 (-0.92%)
US OTC Financial Services Banks - Regional
Address
14850 N. Scottsdale Road 85254
Scottsdale, AZ, US
Scottsdale, AZ, US
CEO
Ciaran H. McMullan
Website
bank34.com
IPO
2000-05-22
CIK 1668340 ISIN US05970V1061
Description
Bancorp 34, Inc. serves as the holding company for Bank 34, a financial institution that provides a broad spectrum of banking products and services to individuals and businesses throughout the United States. Its deposit offerings encompass a variety of account types, including savings, checking, money market, demand, and NOW accounts, in addition to individual retirement accounts (IRAs) and certificates of deposit. The company also extends a wide array of lending and financing options. These include funding for small businesses, notably Small Business Administration (SBA) loans, alongside working capital, equipment, and manufacturing loans. For real estate, it finances owner-occupied properties, offers long-term financing, and provides loans for commercial real estate, multi-family units, office buildings, industrial facilities, and construction projects, including mobile home parks. Further credit solutions feature personal and mortgage loans, flexible lines of credit, United States Department of Agriculture (USDA) loans, and capital for investor pools of single-family rental properties. Beyond these core services, customers can access credit and debit cards, secure safe deposit boxes, merchant card processing, and convenient e-banking services. The bank conducts its operations through a network of four full-service branches. These are situated in Alamogordo and Las Cruces in southern New Mexico, and in Scottsdale and Peoria, Arizona. Established in 1934, Bancorp 34, Inc. maintains its corporate headquarters in Scottsdale, Arizona.
Market Cap & Enterprise Value
Merger & Acquisition History
| Target company | Ticker | Date | Filing |
|---|---|---|---|
| CBOA Financial, Inc. | CBOF | 2023-08-10 | View |
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD15.13
-0.14 (-0.92%)
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Volume Profile
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Liquidity & share structure
Average Volume
1.8K
Beta
0.15
Float Shares
5.37M
Free Float %
78.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | -1.20% | -7.21% | +12.12% | +8.58% | +18.78% | +64.44% | +21.31% | +478.13% | -100.00% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
15.13
DCF (Unlevered)
10.28
-32.0%
DCF (Levered)
20.73
+37.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.22
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
-
Revenue growth+5.5% Q1'26: -4.3% (vs Q1'25)
-
EPS growth+328.0% Q1'26: -25.8% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
-
EBIT margin— Q1'26: +15.6% (vs Q1'25)
-
ROIC— Q1'26: +5.4% (vs Q1'25)
-
Share dilution+9.7% Q1'26: -1.2% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.30× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | B | 3/5 | 4/5 | 3/5 | 3/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-22 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-19 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-18 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-15 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
8.21M
OE per share TTM
1.20
Owner's Yield
7.54%
Maintenance CapEx ratio
70.10%
Maint CapEx / Avg PPE
31.2%
Ownership Overview
Ownership breakdown
At a glance
Institutional holders
2
Total invested
3.67M
Insider transactions (90d)
0
Beneficial owners (>5%)
2
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Bank 34 Employee Stock Ownership Plan Trust | 199.3K | 6.21% | 163.7K | 35.6K | 198.5K | — | EP | New Mexico | 2020-02-13 | ↗ |
| 2 | 13-4064930 | 161.7K | 5.00% | 161.7K | — | 161.7K | — | IA | Delaware | 2020-02-18 | ↗ |
Institutional Activity (13F)
Institutional ownership trend
From
To
13F snapshot — 2025 Q4
Investors holding
2
+0 vs prev Q
New positions
0
Closed positions
0
Increased
0
Reduced
0
Put/Call ratio
0.00
Calls held
—
Puts held
—
Top institutional holders
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | BANC FUNDS CO LLC | 162.9K +— (+0.0%) | 2.22M +68.9K (+3.2%) | 2.24% +0.000 pp | 0.44% +0.063 pp | USD11.86 +14.9% | 12 qtrs — |
| 2 | SIENA CAPITAL PARTNERS GP, LLC | 107.1K +— (+0.0%) | 1.45M +96.4K (+7.1%) | 1.47% +0.000 pp | 0.39% +0.002 pp | USD12.20 +11.7% | 12 qtrs — |
Ownership breakdown by holder
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
0
Sells
1
Shares acquired
—
Shares disposed
—
Cash buys
—
Cash sales
—
Net activity
+0
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2020-07-20 | Crotty James | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2020-06-02 | Ralls Elaine E. | Director | P-Purchase | A | Common Stock | 900 | 10.40 | 9.4K | 3,500 | — | ↗ |
| 2020-05-29 | Ralls Elaine E. | Director | P-Purchase | A | Common Stock | 600 | 10.33 | 6.2K | 2,600 | — | ↗ |
| 2020-05-21 | Van Winkle Don P. | Director | P-Purchase | A | Common Stock | 89 | 10.95 | 974.55 | 6,519 | — | ↗ |
| 2019-06-13 | Cook Wortham A. | Director | P-Purchase | A | Common Stock | 300 | 15.70 | 4.7K | 7,683 | — | ↗ |
| 2019-05-01 | Gutierrez Jill | Director / Officer | M-Exempt | A | Common Stock | 7,260 | 9.65 | 70.1K | 31,210 | — | ↗ |
| 2018-12-11 | Cook Wortham A. | Director | P-Purchase | A | Common Stock | 389 | 15.41 | 6.0K | 7,383 | — | ↗ |
| 2018-11-06 | Van Winkle Don P. | Director | P-Purchase | A | Common Stock | 406 | 15.75 | 6.4K | 1,886 | — | ↗ |
| 2018-08-15 | Harris James D. | Director | P-Purchase | A | Common Stock | 900 | 15.92 | 14.3K | 21,318 | — | ↗ |
| 2018-05-31 | Cook Wortham A. | Director | P-Purchase | A | Common Stock | 499 | 14.80 | 7.4K | 6,994 | — | ↗ |
| 2018-05-17 | Cook Wortham A. | Director | P-Purchase | A | Common Stock | 1,000 | 15.20 | 15.2K | 4,763 | — | ↗ |
| 2018-05-16 | Rabon Randal L. | Director | P-Purchase | A | Common Stock | 636 | 15.35 | 9.8K | 636 | — | ↗ |
| 2018-05-14 | Rabon Randal L. | Director | L-Small | A | Common Stock | 94 | 16.02 | 1.5K | 41,132 | — | ↗ |
| 2018-05-10 | Cook Wortham A. | Director | P-Purchase | A | Common Stock | 13 | 15.80 | 205.40 | 3,763 | — | ↗ |
| 2018-04-13 | Harris James D. | Director | M-Exempt | D | Stock Options | 5,732 | 9.65 | 55.3K | 0 | — | ↗ |
| 2018-04-09 | Gutierrez Jill | Director / Officer | M-Exempt | A | Common Stock | 4,000 | 9.65 | 38.6K | 21,150 | — | ↗ |
| 2018-04-05 | Rabon Randal L. | Director | M-Exempt | A | Common Stock | 5,732 | 9.65 | 55.3K | 41,038 | — | ↗ |
| 2017-12-11 | Van Winkle Don P. | Director | P-Purchase | A | Common Stock | 665 | 14.90 | 9.9K | 6,024 | — | ↗ |
| 2017-12-06 | Van Winkle Don P. | Director | A-Award | A | Stock Options | 9,400 | 14.90 | 140.1K | 9,400 | — | ↗ |
| 2017-12-06 | Thiry Jan R | Officer | A-Award | A | Common Stock | 12,000 | 0.00 | — | 16,000 | — | ↗ |
| 2017-12-06 | Ralls Elaine E. | Director | A-Award | A | Stock Options | 9,400 | 14.90 | 140.1K | 9,400 | — | ↗ |
| 2017-12-06 | Rabon Randal L. | Director | A-Award | A | Common Stock | 3,750 | 0.00 | — | 35,306 | — | ↗ |
| 2017-12-06 | Kauper William P. | Officer | A-Award | A | Common Stock | 13,000 | 0.00 | — | 16,050 | — | ↗ |
| 2017-12-06 | Harris James D. | Director | A-Award | A | Common Stock | 3,750 | 0.00 | — | 14,686 | — | ↗ |
| 2017-12-06 | Gutierrez Jill | Director / Officer | A-Award | A | Common Stock | 14,000 | 0.00 | — | 17,150 | — | ↗ |
| 2017-12-06 | Cook Wortham A. | Director | A-Award | A | Common Stock | 3,750 | 0.00 | — | 3,750 | — | ↗ |
| 2017-12-06 | Burt William F. | Director | A-Award | A | Stock Options | 9,400 | 14.90 | 140.1K | 9,400 | — | ↗ |
| 2017-09-08 | Van Winkle Don P. | Director | P-Purchase | A | Common Stock | 445 | 14.30 | 6.4K | 1,609 | — | ↗ |
| 2017-08-31 | Ralls Elaine E. | Director | P-Purchase | A | Common Stock | 1,000 | 14.10 | 14.1K | 2,000 | — | ↗ |
| 2017-08-15 | Cook Wortham A. | Director | P-Purchase | A | Common Stock | 130 | 14.05 | 1.8K | 6,495 | — | ↗ |
| 2017-08-09 | Burt William F. | Director | M-Exempt | D | Stock Options | 5,732 | 9.65 | 55.3K | 0 | — | ↗ |
| 2017-08-06 | Burt William F. | Director | M-Exempt | A | Common Stock | 5,732 | 9.65 | 55.3K | 13,183 | — | ↗ |
| 2017-06-08 | Kauper William P. | Officer | P-Purchase | A | Common Stock | 97 | 13.60 | 1.3K | 23,050 | — | ↗ |
| 2017-06-07 | Kauper William P. | Officer | P-Purchase | A | Common Stock | 1,400 | 13.60 | 19.0K | 22,953 | — | ↗ |
| 2017-06-05 | Kauper William P. | Officer | P-Purchase | A | Common Stock | 103 | 13.60 | 1.4K | 21,553 | — | ↗ |
| 2017-05-25 | Thiry Jan R | Officer | P-Purchase | A | Common Stock | 100 | 13.18 | 1.3K | 4,000 | — | ↗ |
| 2017-05-24 | Ralls Elaine E. | Director | P-Purchase | A | Common Stock | 1,000 | 13.15 | 13.2K | 1,000 | — | ↗ |
| 2017-05-15 | Cook Wortham A. | Director | P-Purchase | A | Common Stock | 154 | 12.85 | 2.0K | 6,154 | — | ↗ |
| 2016-10-13 | Van Winkle Don P. | Director | P-Purchase | A | Common Stock | 1,000 | 12.30 | 12.3K | 1,000 | — | ↗ |
| 2016-10-13 | Thiry Jan R | Officer | P-Purchase | A | Common Stock | 3,800 | 12.30 | 46.7K | 3,900 | — | ↗ |
| 2016-10-13 | Kauper William P. | Officer | P-Purchase | A | Common Stock | 4,800 | 12.30 | 59.0K | 10,000 | — | ↗ |
| 2016-10-11 | Van Winkle Don P. | Director | — | D | Common Stock | 0 | 0.00 | — | 614 | — | ↗ |
| 2016-10-11 | Thiry Jan R | Officer | — | D | Common Stock | 0 | 0.00 | — | 3,150 | — | ↗ |
| 2016-10-11 | Ralls Elaine E. | Director | — | I | Common Stock | 0 | 0.00 | — | 3,920 | — | ↗ |
| 2016-10-11 | Rabon Randal L. | Director | — | D | Common Stock | 0 | 0.00 | — | 31,556 | — | ↗ |
| 2016-10-11 | Kauper William P. | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2016-10-11 | Harris James D. | Director | — | D | Common Stock | 0 | 0.00 | — | 10,936 | — | ↗ |
| 2016-10-11 | Gutierrez Jill | Director / Officer | — | I | Common Stock | 0 | 0.00 | — | 25,000 | — | ↗ |
| 2016-10-11 | Cook Wortham A. | Director | — | I | Common Stock | 0 | 0.00 | — | 6,000 | — | ↗ |
| 2016-10-11 | Burt William F. | Director | — | D | Common Stock | 0 | 0.00 | — | 7,451 | — | ↗ |
| 2009-07-01 | Thiry Jan R | Officer | — | D | Stock Options | 11,260 | 9.65 | 108.7K | 0 | — | ↗ |
| 2009-07-01 | Rabon Randal L. | Director | — | D | Stock Options | 5,732 | 9.65 | 55.3K | 0 | — | ↗ |
| 2009-07-01 | Harris James D. | Director | — | D | Stock Options | 5,732 | 9.65 | 55.3K | 0 | — | ↗ |
| 2009-07-01 | Gutierrez Jill | Director / Officer | — | D | Stock Options | 11,260 | 9.65 | 108.7K | 0 | — | ↗ |
| 2009-07-01 | Burt William F. | Director | — | D | Stock Options | 5,732 | 9.65 | 55.3K | 0 | — | ↗ |
Executive team
Top executives
EBIT / Employee
96.6K
Shares Outstanding
6.82M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2019 | Jill Gutierrez President and Chief Executive Officer | 266.7K | 66.3K | — | — | — | 35.9K | 368.8K | 0.00% | ↗ |
| 2 | 2019 | Jan R. Thiry Executive Vice President, Chief Financial Officer and Treasurer | 183.3K | 60.3K | — | — | — | 20.3K | 263.9K | 0.00% | ↗ |
| 3 | 2018 | William P. Kauper Former President/ Director of Corporate Development | 133.4K | — | 104.0K | — | — | 266.4K | 503.8K | 20.64% | ↗ |
| 4 | 2018 | Jill Gutierrez President and Chief Executive Officer | 247.2K | 22.8K | — | — | — | 42.7K | 312.6K | 0.00% | ↗ |
| 5 | 2018 | Jan R. Thiry Executive Vice President, Chief Financial Officer and Treasurer | 166.3K | 15.6K | — | — | — | 30.3K | 212.1K | 0.00% | ↗ |
| 6 | 2017 | Jill Gutierrez Chief Executive Officer | 238.7K | 112.4K | 208.6K | 91.5K | — | 24.4K | 675.7K | 44.41% | ↗ |
| 7 | 2017 | Jill Gutierrez President and Chief Executive Officer | 238.7K | 112.4K | 208.6K | 91.5K | — | 24.4K | 675.7K | 44.41% | ↗ |
| 8 | 2017 | William P. Kauper President/Director of Corporate Development | 165.0K | 77.8K | 193.7K | 86.0K | — | 4.8K | 527.3K | 53.04% | ↗ |
| 9 | 2017 | William P. Kauper Former President/ Director of Corporate Development | 165.0K | 77.8K | 193.7K | 86.0K | — | 4.8K | 527.3K | 53.04% | ↗ |
| 10 | 2017 | Jan R. Thiry Executive Vice President, Chief Financial Officer and Treasurer | 155.0K | 73.1K | 178.8K | 80.5K | — | 13.0K | 500.4K | 51.82% | ↗ |
| 11 | 2016 | Jill Gutierrez Chief Executive Officer | 238.7K | 121.0K | — | — | — | 23.1K | 382.8K | 0.00% | ↗ |
| 12 | 2016 | William P. Kauper President/Director of Corporate Development | 165.0K | 87.9K | — | — | — | 4.7K | 257.7K | 0.00% | ↗ |
| 13 | 2016 | Jan R. Thiry Executive Vice President, Chief Financial Officer and Treasurer | 155.0K | 84.2K | — | — | — | 13.3K | 252.5K | 0.00% | ↗ |
| 14 | 2015 | Jill Gutierrez Chief Executive Officer | 238.7K | 61.3K | — | — | — | 19.1K | 319.1K | 0.00% | ↗ |
| 15 | 2015 | Jan R. Thiry Executive Vice President, Chief Financial Officer and Treasurer | 155.0K | 60.3K | — | — | — | 4.2K | 219.5K | 0.00% | ↗ |
| 16 | 2015 | William P. Kauper President/Director of Corporate Development | 165.0K | 42.3K | — | — | — | 3.0K | 210.2K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Chris Webster | President & Director | 484.0K | male |
| Paul Tees | EVP & Chief Credit Officer | 417.9K | male |
| Ciaran H. McMullan | Chairman & Chief Executive Officer | 269.7K | male |
| Kevin Vaughn | Treasurer & Chief Financial Officer | 246.8K | male |
| Evan Anderson | Chief Risk Officer | — | male |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for BCTF
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
