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Fundamental analysis: Bancorp 34, Inc. (BCTF)

Awarener score: 4.2

Conclusion

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 3.0

• Business has been shrinking at a very fast pace. It's been last-in-rank when measured against peer companies.
• Bancorp 34, Inc. business trend isn't so stable. The higher the stability, the lower the risk. It looks mediocre against rivals.

Margins score: 5.8

• BCTF profit margins -on goods and services sold- are usually destitute. They stand bottom tier against rival companies.
• Business profit on sales tends to be meagre. It's last-in-rank when measured against competitors.
• Profits on sales made -available to repay debt and purchase properties- are usually very good. They remain a disappointment compared to peers.
• Earnings -before income taxes and interests on loans taken- tend to be very good in relation to total revenues. They're still bottom tier against similar companies.
• Profits -before income taxes- are usually good considering total sales, and remain last-in-rank when measured against rivals.
• Total net profit tends to be good when confronted to sales. Company stands last-in-rank when measured against comparable firms.

Growth score: 7.6

• Bancorp 34, Inc. has an unknown gross margin growth, as there is not enough data to analyze. It's been impossible to compare to competitors.
• There is not sufficient data to estimate the operating income margin trend, which has been therefore unknown against comparable firms.
• Profits -available to repay debt and purchase properties- have been growing at a normal pace, which compares more than average in relation to peer enterprises.
• Earnings -before income taxes and interests on loans taken- have been growing at a good tempo. It turns to be excellent in relation to similar stocks.
• In past years, profits -before income taxes- grew at a good speed. It was better than most rivals.
• In the previous years, growth trend on total net profit has been excellent, and top tier when measured against peer companies.
• Earnings per share have grown at an excellent rhythm in past years. It's been impressive in relation to industry peers.

Miscellaneous score: 10.0

• BCTF managed to get a credit on income taxes in the past years, even though it earned money. It's been top-notch against peers.
• The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
• We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 5.5

• Bancorp 34, Inc. usually gets hardly sufficient returns on the resources it controls. It proves last-in-rank when measured against peer firms.
• The company normally gets sufficient proceeds -on the resources directly invested in the business-. They remain a disappointment compared to similar companies.
• There's usually some profitability -in relation to owned resources-. It ranks last-in-rank when measured against competitors.
• In the past, got barely sufficient returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's last-in-rank when measured against comparable enterprises.

Usage of Funds score: 8.5

• BCTF usually uses almost no genuine funds generated to buy or replace property, plant, or equipment. The need for reinvestments is non-significant. It stands last-in-rank when measured against rival firms.
• The company is usually replacing some proportion of the property, plant, and equipment that gets old, saving part of the funds for something else, which is weak when measured against industry peers.
• In the past twelve months it paid run-of-the-mill dividends, considering the current stock price. It came mediocre against competitors.
• Has recently started or restarted paying dividends to stockholders. Business prospects are most likely good. The company has behaved impressive in relation to similar firms.
• Dividend payments usually represent a non-significant portion of genuine funds generation and are likely very safe. Sustainability looks top-notch against comparable companies.
• The company usually reduces the pool of investors, resulting in fewer mouths feeding on the pie of profits. It remains in good shape compared to peer enterprises.
• Repurchase effectiveness metric is very complex. Run again in analytical mode if you're interested in a technical explanation. It stands impressive in relation to rivals.
• The company uses a non-significant portion of genuine fund generation to reward investors. The company is usually improving its financial position, and could greatly boost stockholder rewards if it wished so. It still looks great when measured against competitors.

Balance Sheet score: 7.0

• Bancorp 34, Inc. intangible assets (like brands and goodwill) represent a non-significant portion of resources controlled, according to accounting books, which is safer. It happens to be more than average in relation to peer companies.
• Current ratio remains a mystery, as there was not sufficient Balance Sheet information. It turns to be unidentifiable against similar firms.
• Very few resources controlled were provided for with financial debt. Financial strength is very solid. Company could increase debt if it wished so, to reinvest in business, to buy a smaller company or to reward stockholders. It remains slightly better than rival firms.
• Resources controlled can be quickly made into cash, which is very good for liquidity and risk. It looks top tier when measured against rivals.
• Quick ratio is unavailable at this moment, due to lacking data. It's a pity we cannot compare it with peer firms.
• A conclusion on cash ratio could not be reached, as we lack inputs, which is unfortunate when trying to measure against similar enterprises.
• Usually, sales are on a month credit. It still ranks similar to peers.
• Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
• We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
• Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
• Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
• Company earns net interest income on its investments and therefore is in a quite comfortable financial position. It stands top-notch against rival firms.
• Business earnings have usually been quite good when measured against loans taken. Cutting back reinvesting in the business, it could take around three years to repay the obligations with current profitability. It ranks similar to comparable enterprises.
• Revenues are low in relation to property, plant, and equipment required to operate. This metric is likely dependent on the industry the company operates in. The more property, plant, and equipment used, the more the company must reinvest to fight obsolescence, which usually means less available funds for the shareholders in the long run. It looks in a weak position compared to similar firms.
• Resources exploitation is virtually zero, as the firm hardly reports any sales. It's still well ranked against peer companies.

Valuation score: 7.4

• Bancorp 34, Inc. has an unknown adjusted Price-to-Earnings ratio, so we cannot comment on that. It happens to be a necessary comparison against competitors.
• Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains impressive in relation to peers.
• There is insufficient information on the genuine funds generation capability showed in the past twelve months, which stands as an incognita in relation to similar companies.
• Unfortunately, lack of enough yearly data impaired our ability to estimate the normal earnings power. It's still an unknown variable to measure against industry firms.
• In the past twelve months, the company has barely rewarded investors, considering both dividends and share on the pie of earnings. It came up close to average when compared to peer ventures.
• We are unsure on the relationship between net financial position and market capitalization of the stock. It looks we will not be able to reach a conclusion regarding similar enterprises.
• Considering the past twelve months, traditional Price-to-Earnings relation might be more or less reasonable, but hardly cheap. It ranks substantially worse when measured against peer companies.
• Comparing the current stock price with the past twelve-months revenues gives a roughly two to one relationship. This is an important metric to check its evolution through time, and to compare to industry peers. It looks excellent in relation to rival firms.
• The stock price is at or below the accounting book value. Unless profitability is really low, the stock may be selling a t a discount. Pay attention to the other key indicators for hints. The company remains better than most peer firms.
• We could not gauge an alternative metric of earnings power of the past twelve months. It happens to be an interesting metric to relate to industry peers.
• An alternate metric on the usual genuine-funds generation ability could not be provided. It's still unknown against peer companies.

Total score: 6.9

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Awarener score: 4.2

Conclusion

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