BCTF (Bancorp 34) Net Margin %: 27.86% (As of Mar. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BCTF Bancorp 34 Inc BCTF
62 GF Score
Price $15.30
View Full Analysis

What is Bancorp 34 Net Margin %?

Bancorp 34 BCTF 62 Net Margin % is 27.86% as of Mar. 2025. GuruFocus rates BCTF with a GF Score™ of 62/100.

Net margin is calculated as Net Income divided by its Revenue. Bancorp 34's Net Income for the three months ended in Mar. 2025 was $2.31 Mil. Bancorp 34's Revenue for the three months ended in Mar. 2025 was $8.29 Mil. Therefore, Bancorp 34's net margin for the quarter that ended in Mar. 2025 was 27.86%.

The historical rank and industry rank for Bancorp 34's Net Margin % or its related term are showing as below:


BCTF's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 27.07
* Ranked among companies with meaningful Net Margin % only.

Bancorp 34  (OTCPK:BCTF) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Bancorp 34 Net Margin % Related Terms

Bancorp 34 Net Margin % Historical Data

* Premium members only.

The historical data trend for Bancorp 34's Net Margin % 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 Net Margin % Chart

Bancorp 34 Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.57 16.98 6.99 -21.39 5.66

Bancorp 34 Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Dec21 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Net Margin % 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 -45.33 16.34 18.20 1.73 27.86

BCTF vs FCOB, CCNB, NWPP: Net Margin % Comparison

For the Banks - Regional subindustry, Bancorp 34's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Bancorp 34's Net Margin % distribution charts can be found below:

* The bar in red indicates where Bancorp 34's Net Margin % falls into.


BCTF
62GF Score
Bancorp 34 Inc BCTF
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bancorp 34 Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Bancorp 34's Net Margin for the fiscal year that ended in Dec. 2024 is calculated as

Net Margin=Net Income (A: Dec. 2024 )/Revenue (A: Dec. 2024 )
=1.689/29.838
=5.66 %

Bancorp 34's Net Margin for the quarter that ended in Mar. 2025 is calculated as

Net Margin=Net Income (Q: Mar. 2025 )/Revenue (Q: Mar. 2025 )
=2.308/8.285
=27.86 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of 27.86% mean?
Bancorp 34 (BCTF) has a Net Margin % of 27.86% as of Mar. 2025. Net margin is the ratio of total net income to net sales. View historical data on Bancorp 34 and its competitors.
Is Bancorp 34's Net Margin % too high?
Bancorp 34's current Net Margin % is 27.86%. The Banks industry median Net Margin % is 27.07. Bancorp 34's value of 27.86% is 2.9% above this industry median. 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 Net Margin % compare to FCOB and CCNB?
Bancorp 34's Net Margin % of 27.86% can be compared against companies in the Banks industry. The industry median Net Margin % is 27.07. Bancorp 34's value of 27.86% is 2.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.07, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp 34's current Net Margin % of 27.86% is 2.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bancorp 34 and its competitors. For the Banks industry, the median Net Margin % is 27.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp 34's current Net Margin % is 27.86%. 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 Net Margin % of 27.86%. The current Net Margin % is 27.86% and 2.9% above the Banks industry median of 27.07. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bancorp 34 (BCTF), the current Net Margin % is 27.86% 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

Get the complete analysis for BCTF

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

$15.30
Price