Bancorp 34 (OTCMKTS: BCTF – Get a rating) and Axos Financial (NYSE:AXIS – Get a rating) are both finance companies, but which is the better stock? We’ll compare the two companies based on their risk strength, valuation, analyst recommendations, profitability, earnings, dividends and institutional ownership.
Volatility and risk
Bancorp 34 has a beta of 0.49, suggesting its stock price is 51% less volatile than the S&P 500. In comparison, Axos Financial has a beta of 1.46, suggesting its stock price is 46% more volatile than the S&P 500.
Analyst Notes
This is a breakdown of current ratings and target prices for Bancorp 34 and Axos Financial, as provided by MarketBeat.com.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| Bancorp 34 | 0 | 0 | 0 | 0 | N / A |
| Axos Financial | 0 | 0 | 2 | 1 | 3.33 |
Axos Financial has a consensus price target of $56.50, suggesting a potential upside of 60.56%. Given Axos Financial’s possible higher upside, analysts clearly believe that Axos Financial is more favorable than Bancorp 34.
Institutional and insider ownership
77.1% of Axos Financial shares are held by institutional investors. 7.4% of Bancorp 34 shares are held by insiders of the company. By comparison, 4.7% of Axos Financial shares are held by company insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.
Profitability
This table compares the net margins, return on equity and return on assets of Bancorp 34 and Axos Financial.
| Net margins | Return on equity | return on assets | |
| Bancorp 34 | N / A | N / A | N / A |
| Axos Financial | 31.52% | 16.50% | 1.59% |
Benefits and evaluation
This chart compares revenue, earnings per share and valuation of Bancorp 34 and Axos Financial.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| Bancorp 34 | $19.97 million | 1.86 | $710,000.00 | N / A | N / A |
| Axos Financial | $723.12 million | 2.90 | $215.71 million | $3.78 | 9.31 |
Axos Financial has higher revenue and profit than Bancorp 34.
Summary
Axos Financial beats Bancorp 34 out of 11 of the 12 factors compared between the two stocks.
About Bancorp 34 (Get a rating)
Bancorp 34, Inc. is the holding company of Bank 34 which provides various consumer and business banking products and services in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand deposits, NOW accounts and individual retirement accounts, as well as certificates of deposit. The company also provides small business financing services; small business administration loans; real estate financing and long-term financing services for homeowners; loans for working capital, equipment and manufacturing; commercial, multi-family, office, industrial and construction real estate loans, as well as financing for mobile home parks; personal loans and mortgages; and single-family rental investor pools. Additionally, it offers credit and debit cards; online cash management services; and merchant card processing and online banking services. As of February 25, 2021, the company operated through a network of four full-service community banking branches, including one in Otero and Dona Ana counties, New Mexico; and two in Maricopa County, Arizona. Bancorp 34, Inc. was founded in 1934 and is based in Alamogordo, New Mexico.
About Axos Financial (Get a rating)
Axos Financial, Inc., together with its subsidiaries, provides retail and corporate banking products in the United States. It operates through Banking Business and Securities Business segments. The Company offers deposit products, including personal and business checking accounts, current accounts, savings accounts, term deposits, money market, zero balances and cash transfer accounts. insured. It also offers single-family, multi-family and commercial mortgages; secured commercial real estate loans; commercial and industrial non-real estate, asset-backed, lines of credit and term loans; automobile loans; fixed rate term unsecured loans; and other loans, such as structure settlements, small business administration consumer loans, and security-backed loans. Additionally, the company offers ACH issuance, wire transfer, business check printing, business bill payment, and account transfer; remote deposit entry, mobile deposit, safe, merchant and online payment portal; concierge banking services; mobile banking and SMS; and payment services, as well as debit and credit cards and digital wallets. Additionally, it provides disclosed clearing services; back office services, such as record keeping, business reporting, accounting, general back office support, securities and margin lending, reorganization assistance and securities custody; and financing to brokerage clients. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.
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