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BCTF Dividend DRIP Calculator 2026
12.67% YieldFinancial ServicesBancorp 34, Inc. · OTC
Price: $15.79 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When BCTF pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in BCTF → $20.4K in 10 years · $0.12/month
About Bancorp 34, Inc. (BCTF) — Dividend Analysis 2026
Bancorp 34, Inc. serves as the holding company for Bank 34, a financial institution that provides a broad spectrum of banking products and services to individuals and businesses throughout the United States. Its deposit offerings encompass a variety of account types, including savings, checking, money market, demand, and NOW accounts, in addition to individual retirement accounts (IRAs) and certificates of deposit. The company also extends a wide array of lending and financing options. These include funding for small businesses, notably Small Business Administration (SBA) loans, alongside working capital, equipment, and manufacturing loans. For real estate, it finances owner-occupied properties, offers long-term financing, and provides loans for commercial real estate, multi-family units, office buildings, industrial facilities, and construction projects, including mobile home parks. Further credit solutions feature personal and mortgage loans, flexible lines of credit, United States Department of Agriculture (USDA) loans, and capital for investor pools of single-family rental properties. Beyond these core services, customers can access credit and debit cards, secure safe deposit boxes, merchant card processing, and convenient e-banking services. The bank conducts its operations through a network of four full-service branches. These are situated in Alamogordo and Las Cruces in southern New Mexico, and in Scottsdale and Peoria, Arizona. Established in 1934, Bancorp 34, Inc. maintains its corporate headquarters in Scottsdale, Arizona.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 BCTF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold BCTF.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 12.67% | 9.87% | $1,267 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 10.77% | 7.97% | $1,077 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 10.14% | 7.34% | $1,014 / yr |
| 🇬🇧 UK ISA | 0% | 12.67% | 9.87% | $1,267 / yr |
| 🇬🇧 UK Taxable | 8.75% | 11.56% | 8.76% | $1,156 / yr |
| 🇨🇦 TFSA | 0% | 12.67% | 9.87% | $1,267 / yr |
| 🇨🇦 CA Taxable | 25% | 9.50% | 6.70% | $950 / yr |
| 🇦🇺 Super (pension) | 15% | 10.77% | 7.97% | $1,077 / yr |
| 🇦🇺 AU Taxable | 30% | 8.87% | 6.07% | $887 / yr |
| 🇩🇪 DE Taxable | 26.375% | 9.33% | 6.53% | $933 / yr |
| 🇫🇷 FR Taxable | 30% | 8.87% | 6.07% | $887 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 BCTF Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 BCTF Dividend Payment Schedule
BCTF pays quarterly — 4 times per year. Next ex-div: TBD.
📊 BCTF vs Financial Services Benchmarks
How BCTF compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for BCTF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ BCTF Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2020-06-02 | 900 | $10.40 | $9.4K | ||
| Buy | 2020-05-29 | 600 | $10.33 | $6.2K | ||
| Buy | 2020-05-21 | 89 | $10.95 | $975.00 | ||
| Buy | 2020-05-21 | 56 | $10.61 | $594.00 | ||
| Buy | 2020-05-21 | 600 | $11.00 | $6.6K | ||
| Buy | 2019-06-13 | 300 | $15.70 | $4.7K | ||
| M-Exempt | 2019-05-01 | 7,260 | $9.65 | $70.1K | ||
| M-Exempt | 2019-05-01 | 7,260 | $9.65 | $70.1K | ||
| Buy | 2018-12-11 | 389 | $15.41 | $6.0K | ||
| Buy | 2018-11-06 | 406 | $15.75 | $6.4K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the BCTF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Bancorp 34, Inc. (BCTF) is currently trading at $15.79, trading near its 52-week high. The current dividend yield is 12.67% based on an annual payout of $2.00 per share.
BCTF (Bancorp 34, Inc.) — 12.67% Dividend Yield Analysis
Bancorp 34, Inc. (BCTF) is a financial services stock currently trading at $15.79 with a dividend yield of 12.67%. The company pays an annual dividend of $2.00 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, BCTF has grown its dividend at a compound annual rate of 50.0%.
- Above-average yield (12.67%) may signal elevated risk — verify sustainability.
Auto-generated from live market data. For educational purposes only — not financial advice.