BCTF (Bancorp 34) Scaled Net Operating Assets: -0.01 (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 Scaled Net Operating Assets?

Bancorp 34 BCTF 62 Scaled Net Operating Assets is -0.01 as of Mar. 2025. GuruFocus rates BCTF with a GF Score™ of 62/100.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bancorp 34's operating assets for the quarter that ended in Mar. 2025 was $821.27 Mil. Bancorp 34's operating liabilities for the quarter that ended in Mar. 2025 was $825.86 Mil. Bancorp 34's Total Assets for the quarter that ended in Dec. 2024 was $918.10 Mil. Therefore, Bancorp 34's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2025 was -0.01.

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

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bancorp 34's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2024 )
=(Operating Assets (A: Dec. 2024 )-Operating Liabilities (A: Dec. 2024 ))/Total Assets (A: Dec. 2023 )
=(806.585-799.609)/581.265
=0.01

where

Operating Assets(A: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=918.095 - 111.51
=806.585

Operating Liabilities(A: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=831.58 - 31.971 - 0
=799.609

Bancorp 34's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2025 )
=(Operating Assets (Q: Mar. 2025 )-Operating Liabilities (Q: Mar. 2025 ))/Total Assets (Q: Dec. 2024 )
=(821.266-825.86)/918.095
=-0.01

where

Operating Assets(Q: Mar. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=943.639 - 122.373
=821.266

Operating Liabilities(Q: Mar. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=853.582 - 27.722 - 0
=825.86

* 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.

What does a Scaled Net Operating Assets of -0.01 mean?
Bancorp 34 (BCTF) has a Scaled Net Operating Assets of -0.01 as of Mar. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bancorp 34 and its competitors.
Is Bancorp 34's Scaled Net Operating Assets too high?
Bancorp 34's current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets compare to FCOB and CCNB?
Bancorp 34's Scaled Net Operating Assets of -0.01 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bancorp 34 and its competitors. Bancorp 34's current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets of -0.01. The current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Bancorp 34 (BCTF), the current Scaled Net Operating Assets is -0.01 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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