BCTF (Bancorp 34) Financial Strength: 4 (As of Mar. 2025) — Near Median

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BCTF Bancorp 34 Inc BCTF
62 GF Score
Price $15.86
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What is Bancorp 34 Financial Strength?

Bancorp 34 BCTF -0.28% 62 Financial Strength is 4 as of Mar. 2025, which is at its 10-year median of 4.00. GuruFocus rates BCTF with a GF Score™ of 62/100.

Bancorp 34 has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Bancorp 34's interest coverage with the available data. Bancorp 34's debt to revenue ratio for the quarter that ended in Mar. 2025 was 0.84. Altman Z-Score does not apply to banks and insurance companies.

Bancorp 34  (OTCPK:BCTF) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Bancorp 34 has the Financial Strength Rank of 4.

Bancorp 34 Financial Strength Related Terms

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

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Bancorp 34's Interest Expense for the months ended in Mar. 2025 was $-5.58 Mil. Its Operating Income for the months ended in Mar. 2025 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $27.72 Mil.

Bancorp 34's Interest Coverage for the quarter that ended in Mar. 2025 is

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Bancorp 34's Debt to Revenue Ratio for the quarter that ended in Mar. 2025 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2025 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 27.722) / 33.14
=0.84

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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 Financial Strength →
What does a Financial Strength of 4 mean?
Bancorp 34 (BCTF) has a Financial Strength of 4 as of Mar. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bancorp 34 and its competitors. This is near median its historical median of 4.00. Over the past decade, Bancorp 34's Financial Strength has ranged from 2.00 to 5.00.
Is Bancorp 34's Financial Strength too high?
Bancorp 34's current Financial Strength of 4 is near median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 5.00. 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 Financial Strength compare to FCOB and CCNB?
Bancorp 34's Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Bancorp 34's own Financial Strength has ranged from 2.00 to 5.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bancorp 34 and its competitors. Bancorp 34's current Financial Strength is 4, which is near median its own 10-year median of 4.00. 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 Financial Strength of 4. The current Financial Strength is 4, which is near median its 10-year median of 4.00. 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 Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Bancorp 34 (BCTF), the current Financial Strength is 4 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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Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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