BNCCORP, Inc. (BNCC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 118 | 76 | 50 | 42 | 21 | 40 | 42 | - |
| Operating profit | $m | 11 | 12 | ||||||
| Net profit | $m | 45 | 22 | 7 | 6 | 8 | 9 | 9 | - |
| EPS reported | $ | 2.48 | 2.51 | ||||||
| Operating cashflow per share | $ | 3.62 | 4.30 | ||||||
| Capex per share | $ | 0.09 | 0.24 | ||||||
| FCF per share | $ | 3.53 | 4.07 | ||||||
| Free cash flow | $m | 13 | 14 | ||||||
| Net debt | $m | -280 | -164 | ||||||
| Book value equity | $m | 107 | 110 | ||||||
| Book value per share | $ | 30.07 | 31.17 | ||||||
| Number of shares | m | 3.54 | 3.54 | ||||||
| DPS (TTM paid) | $ | 4.04 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.43 | 11.78 | ||||||
| P/B LTM | x | 1.11 | 1.07 | ||||||
| P/S LTM | x | 2.96 | 2.79 | ||||||
| P/FCF LTM | x | 9.43 | 8.18 | ||||||
| EV/EBITDA LTM | x | -6.01 | -6.12 | ||||||
| EV/Sales LTM | x | -1.36 | -0.73 | ||||||
| Earnings Yield LTM | % | +7.45% | +8.49% | ||||||
| FCF Yield | % | +10.60% | +12.22% | ||||||
| Quality | |||||||||
| ROE | % | +8.24% | +8.29% | ||||||
| ROIC | % | +7.06% | +0.85% | ||||||
| Operating margin | % | +20.01% | +19.22% | ||||||
| Gross margin | % | +66.92% | +67.35% | ||||||
| FCF/Sales | % | +21.87% | +23.95% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +11.21% | +12.56% | ||||||
| Sales Growth YoY | % | +90.78% | +102.48% | ||||||
| Net Income Growth YoY | % | +10.63% | +12.17% | ||||||
| FCF Growth | % | +50.51% | +73.47% | ||||||
| Operating Profit Growth | % | -11.61% | -10.64% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +12.13% | 0.00% | ||||||
| Dividend Growth | % | +0.95% | -100.00% | ||||||
| Payout Ratio | % | +162.83% | 0.00% | ||||||
| FCF/Debt | x | 0.78 | 0.90 | ||||||
| Net Debt/EBITDA | x | -15.16 | -12.45 | ||||||
| EBIT/Net interest | x | 0.66 | 0.65 | ||||||
| Net debt/market cap | % | +13.43% | +13.63% | ||||||
| Net debt/Equity | x | -2.63 | -1.49 | ||||||
| Gross debt/equity | x | 0.15 | 0.14 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
BNCCORP, Inc. functions as the holding company for BNC National Bank, providing a diverse range of financial services. These services cater to both commercial entities and individual consumers, encompassing community banking, retail and mortgage solutions, and comprehensive wealth management. Specifically for small to mid-market businesses, the company extends various commercial banking offerings. These include essential business financing, specialized commercial real estate and Small Business Administration (SBA) loans, robust business checking and cash management solutions, corporate credit cards, and vital merchant services. For individual clients, BNC National Bank delivers personal banking products such as checking and savings accounts, personal loans, and card services. Its mortgage banking arm facilitates residential lending through both direct-to-consumer and traditional retail channels. Additionally, its wealth management division provides tailored solutions, including administration of 401(k) and other retirement plans, comprehensive trust services, and personalized financial advisory for wealth growth and preservation. The company maintains a physical presence for its community banking and wealth management operations across 11 locations in Arizona and North Dakota. Its mortgage banking services demonstrate a broader footprint, operating from 9 locations spanning Arizona, North Dakota, Illinois, Kansas, and Michigan. Established in 1987, BNCCORP, Inc. is headquartered in Bismarck, North Dakota.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
BNCCORP, Inc. functions as the holding company for BNC National Bank, providing a diverse range of financial services. These services cater to both commercial entities and individual consumers, encompassing community banking, retail and mortgage solutions, and comprehensive wealth management. Specifically for small to mid-market businesses, the company extends various commercial banking offerings. These include essential business financing, specialized commercial real estate and Small Business Administration (SBA) loans, robust business checking and cash management solutions, corporate credit cards, and vital merchant services. For individual clients, BNC National Bank delivers personal banking products such as checking and savings accounts, personal loans, and card services. Its mortgage banking arm facilitates residential lending through both direct-to-consumer and traditional retail channels. Additionally, its wealth management division provides tailored solutions, including administration of 401(k) and other retirement plans, comprehensive trust services, and personalized financial advisory for wealth growth and preservation. The company maintains a physical presence for its community banking and wealth management operations across 11 locations in Arizona and North Dakota. Its mortgage banking services demonstrate a broader footprint, operating from 9 locations spanning Arizona, North Dakota, Illinois, Kansas, and Michigan. Established in 1987, BNCCORP, Inc. is headquartered in Bismarck, North Dakota.
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