Stock fact sheet · data as of
Bancorp 34, Inc. (BCTF): fair value, margin of safety and Wheel Score
Ticker symbol BCTF · Financial Services · Banks - Regional · United States · Speculative
Is BCTF undervalued?
BCTF closed at 16.05 on 5 Nov 2026 against a GLS average fair value of 16.86 - 4.8% below fair value, which our scans read as "fairly priced". 3 of 8 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
There is a wide gap between GLS Growth (2.54) and Graham Growth (47.41). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files BCTF under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for BCTF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 10.49 | -35% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 15.85 | -1% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 47.41 | +195% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 20.56 | +28% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.54 | -84% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 16.67 | +4% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 11.72 | -27% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 9.63 | -40% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -112.28 | -800% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Bancorp 34, Inc. scores only 3 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 2.7/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are moderate - ROIC 6.2%, ROE 8.1%, ROA 0.9% - with debt at 0.31 times equity and negative free cash flow.
Bancorp 34, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | 6.2% |
|---|---|---|---|
| GLS Moat | 2.7 / 10 | ROE | 8.1% |
| Debt / equity | 0.31 | ROA | 0.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 15: No options
No options are listed on Bancorp 34, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 15, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 3k shares a day on a market cap of $109M, with a beta of 0.15 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 3/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $109M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 5% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 2.7/10 | |
| Health | Weak | Piotroski 3/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.15, $109M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for BCTF in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Bancorp 34, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BKSC Bank of South Carolina Corporation | 20.51 | 37.80 | +46% | 37No options | $110M |
| PFBX Peoples Financial Corporation | 23.72 | 12.77 | -86% | 17No options | $110M |
| PTBS Potomac Bancshares, Inc. | 26.55 | 39.50 | +33% | 34No options | $110M |
| UNIB University Bancorp, Inc. | 21.30 | 61.04 | +65% | 31No options | $110M |
| BOTJ Bank of the James Financial Group, Inc. | 24.26 | 34.21 | +29% | 34No options | $110M |
| TYBT Trinity Bank, N.A. | 101.00 | 176.72 | +43% | 33No options | $110M |
| BNCC BNCCORP, Inc. | 30.75 | 55.08 | +44% | 33No options | $108M |
| WBBW Westbury Bancorp, Inc. | 42.00 | 68.59 | +39% | 30No options | $111M |
| BYFC Broadway Financial Corp. | 11.62 | 10.12 | -15% | 17No options | $108M |
| PROV Provident Financial Holdings, Inc. | 18.20 | 15.46 | -18% | 20No options | $113M |
| PNBK Patriot National Bancorp, Inc. | 0.8940 | 2.10 | +57% | 26No options | $106M |
| OPHC OptimumBank Holdings, Inc. | 8.95 | 35.97 | +75% | 34No options | $113M |
⚖ Compare BCTF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BCTF
Is BCTF undervalued right now?
Not meaningfully: at 16.05 the stock trades within a few percent of the GLS average fair value of 16.86 (4.8% below fair value, data as of 5 Nov 2026).
What is the Wheel Score of BCTF and what does it mean?
BCTF has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for BCTF?
16.86 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Bancorp 34, Inc. report earnings next?
No upcoming earnings date is recorded for BCTF in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does BCTF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BCTF, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.