Bancorp 34, Inc.

AI-generated fair value estimate for this company.

Method: Blended bank valuation averaging: (1) an excess-return price/book model using $13.05 book value per share, 8.5% assumed sustainable ROE, 9.5% cost of equity, and 3% long-run growth (implied 0.85x P/B, $11.04/share), and (2) an earnings-multiple approach applying a 13.5x peer community-bank P/E to approximately $0.96 trailing EPS ($12.94/share); 7.64M shares outstanding.

Reasoning: Bancorp 34 is a small community bank where a single valuation method is noisy given its low current ROE of about 7.3%, which reflects an early growth/scale-up phase; blending a conservative book-value-based excess-return estimate with a peer earnings-multiple estimate produces a more balanced intrinsic-value estimate than either method alone.