BCTF (Bancorp 34) E10: $0.30 (As of Mar. 2025)

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BCTF Bancorp 34 Inc BCTF
62 GF Score
Price $15.30
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What is Bancorp 34 E10?

Bancorp 34 BCTF 62 E10 is $0.30 as of Mar. 2025. GuruFocus rates BCTF with a GF Score™ of 62/100.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bancorp 34's adjusted earnings per share data for the three months ended in Mar. 2025 was $0.310. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.30 for the trailing ten years ended in Mar. 2025.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-08-02), Bancorp 34's current stock price is $15.30. Bancorp 34's E10 for the quarter that ended in Mar. 2025 was $0.30. Bancorp 34's Shiller PE Ratio of today is 51.00.


Bancorp 34  (OTCPK:BCTF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Bancorp 34's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=15.30/0.30
=51.00

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Bancorp 34 E10 Related Terms


Bancorp 34 E10 Historical Data

* Premium members only.

The historical data trend for Bancorp 34's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bancorp 34 E10 Chart

Bancorp 34 Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.35 0.00 0.34 0.24 0.25

Bancorp 34 Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Dec21 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.20 0.22 0.23 0.25 0.30

BCTF vs FCOB, CCNB, NWPP: E10 Comparison

For the Banks - Regional subindustry, Bancorp 34's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bancorp 34 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bancorp 34's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Bancorp 34's Shiller PE Ratio falls into.


BCTF
62GF Score
Bancorp 34 Inc BCTF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Bancorp 34 E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bancorp 34's adjusted earnings per share data for the three months ended in Mar. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=0.31/319.7990*319.7990
=0.310

Current CPI (Mar. 2025) = 319.7990.

Bancorp 34 Quarterly Data

per share eps CPI Adj_EPS
201403 -0.166 236.293 -0.225
201406 -0.069 238.343 -0.093
201409 0.923 238.031 1.240
201412 -0.647 234.812 -0.881
201503 -0.078 236.119 -0.106
201506 0.107 238.638 0.143
201509 0.039 237.945 0.052
201512 0.028 236.525 0.038
201603 0.002 238.132 0.003
201606 0.140 241.018 0.186
201609 0.170 241.428 0.225
201612 1.227 241.432 1.625
201703 -0.060 243.801 -0.079
201706 0.100 244.955 0.131
201709 0.250 246.819 0.324
201712 -0.170 246.524 -0.221
201803 0.110 249.554 0.141
201806 0.120 251.989 0.152
201809 0.040 252.439 0.051
201812 0.053 251.233 0.067
201903 0.010 254.202 0.013
201906 -0.110 256.143 -0.137
201909 0.141 256.759 0.176
201912 0.170 256.974 0.212
202003 0.090 258.115 0.112
202006 0.170 257.797 0.211
202009 0.090 260.280 0.111
202012 0.240 260.474 0.295
202112 0.000 278.802 0.000
202209 0.420 296.808 0.453
202212 -0.820 296.797 -0.884
202303 0.110 301.836 0.117
202306 0.010 305.109 0.010
202309 -0.520 307.789 -0.540
202312 -0.400 306.746 -0.417
202403 -0.310 312.332 -0.317
202406 0.210 314.175 0.214
202409 0.220 315.301 0.223
202412 0.010 315.605 0.010
202503 0.310 319.799 0.310

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.30 mean?
Bancorp 34 (BCTF) has a E10 of $0.30 as of Mar. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bancorp 34 and its competitors.
Is Bancorp 34's E10 too high?
Bancorp 34's current E10 is $0.30. Overall, Bancorp 34 has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Bancorp 34's E10 compare to FCOB and CCNB?
Bancorp 34's E10 of $0.30 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bancorp 34 and its competitors. Bancorp 34's current E10 is $0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancorp 34 stock overvalued right now?
Bancorp 34 (BCTF) has a current E10 of $0.30. The current E10 is $0.30. Bancorp 34's overall GF Score™ is 62/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Bancorp 34 (BCTF), the current E10 is $0.30 as of Mar. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Bancorp 34 Business Description

Address 8777 East Hartford Dive, Suite 100, Scottsdale, AZ, USA, 85255
Bancorp 34 Inc provides a variety of banking services to individuals and businesses through its branches. Its products and services are demand deposits, certificates of deposits, savings and money market accounts, commercial loans, real estate mortgage loans and credit and merchant cards and e-banking. The bank operates banking centers in Alamogordo, Las Cruces, New Mexico, Scottsdale, Arizona, and Peoria.
62GF Score

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E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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