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Bancorp 34, Inc.

BCTF · Financials · Bank · FY2024 filings ·

Scored by the financial-sector model

42FY2024 filing
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Bancorp 34, Inc. is a bank, scored by a separate financial-sector model — not the operating Moat Score you’ll see on other companies. A bank or insurer is a balance-sheet business the margin-and-ROIC lens doesn’t fit, so it’s read through the components below instead. The two models are calibrated differently and are not comparable: a financial-sector score is never ranked against, sorted with, or averaged into an operating Moat Score. How the models work.

Insider activity

Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”

These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.

This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.

No reported Form 4 transactions were found in the complete checked issuer window for BCTF, –. The totals and cluster result below are arithmetic over that certified window.

$0
P purchases minus S sales only, Aug 4, 2025–Aug 4, 2026.
0 P / 0 S
Only P and S are included; awards, gifts, exercises, withholding, and other mechanics are excluded.
No
Requires at least 3 distinct insiders with P purchases.

Transaction-code histogram

Supporting event counts for the same certified window, Aug 4, 2025–Aug 4, 2026.

P
0
S
0
A
0
F
0
M
0
G
0
C
0
J
0
W
0

Retrieved .

Visual explainers

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What the financial-sector model scores (bank)

4

Median ROE 1.9% on average equity, above the 10% hurdle in 13% of 8 years.

77

Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.

45

Profitable in 88% of 8 years, ROE volatile.

87

Net interest income is 3.86% of average assets, steady over 6 years through FY2024.

Not scored for this company

Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
Underwriting applies to insurance carriers; not part of the bank model.

Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.

Fundamentals

The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.

Financial-sector score history

Reading
Aug 3, 202642
Jul 26, 202651
Jul 26, 202651

Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.

Scored from primary SEC filings via the public financial-sector methodology. Educational only — not a recommendation to buy or sell BCTF. See the disclaimer.