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BNCCORP
(OTC:BNCC)
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Rating:62Neutral
Price Target:
$34.00
▼(-5.56% Downside)
Action:Reiterated
Date:08/17/26
The score is primarily supported by solid financial performance (profitability and conservative leverage) and a reasonable P/E valuation, but is held back by weak technicals: the stock is trading below major moving averages with negative MACD, indicating a bearish trend despite oversold readings.
Positive Factors
Rebounded revenue and solid profitability
The sharp revenue rebound and still-solid profitability provide a stronger earnings base for the next several quarters. Sustained margins would support internal capital generation, although the durability of the rebound must be demonstrated.
Negative Factors
Material margin compression
The decline from peak net margins indicates that earnings conversion has weakened materially over time. Lower profitability leaves less room to absorb higher funding, credit, personnel or regulatory costs and reduces the upside from revenue growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Rebounded revenue and solid profitability
The sharp revenue rebound and still-solid profitability provide a stronger earnings base for the next several quarters. Sustained margins would support internal capital generation, although the durability of the rebound must be demonstrated.
Read all positive factors
BNCCORP (BNCC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$113.42M
Dividend YieldN/A
Average Volume (3M)2.69K
Price to Earnings (P/E)12.7
Beta (1Y)0.22
Revenue Growth11.91%
EPS Growth7.34%
CountryUS
Employees132
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.51
Shares Outstanding3,544,274
10 Day Avg. Volume515
30 Day Avg. Volume2,687
Financial Highlights & Ratios
PEG Ratio1.20
Price to Book (P/B)1.11
Price to Sales (P/S)2.06
P/FCF Ratio9.43
Enterprise Value/Market Cap>-0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
BNCCORP Business Overview & Revenue Model
Company Description
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 s...
How the Company Makes Money
BNCCORP primarily makes money through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated by collecting interest on loans and other interest-earning assets (such as commercial and consumer...
BNCCORP Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
80
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.16M | 57.17M | 36.29M | 53.28M | 52.74M | 78.14M |
| Gross Profit | 40.52M | 38.26M | 36.29M | 41.50M | 50.24M | 76.35M |
| EBITDA | 12.65M | 12.89M | 10.26M | 8.98M | 10.35M | 30.76M |
| Net Income | 8.89M | 8.77M | 7.93M | 5.71M | 6.50M | 21.95M |
Balance Sheet | ||||||
| Total Assets | 1.05B | 1.10B | 966.68M | 968.21M | 943.32M | 1.05B |
| Cash, Cash Equivalents and Short-Term Investments | 173.60M | 295.12M | 100.81M | 262.23M | 248.84M | 397.04M |
| Total Debt | 16.01M | 16.04M | 15.46M | 16.51M | 17.38M | 17.30M |
| Total Liabilities | 936.01M | 993.70M | 873.01M | 859.79M | 842.98M | 932.39M |
| Stockholders Equity | 110.48M | 106.51M | 93.67M | 108.42M | 100.35M | 114.99M |
Cash Flow | ||||||
| Free Cash Flow | 14.41M | 12.50M | 8.31M | 46.08M | 56.30M | 207.82M |
| Operating Cash Flow | 15.25M | 12.83M | 9.36M | 46.61M | 56.82M | 208.68M |
| Investing Cash Flow | 24.26M | -22.19M | -1.99M | -35.74M | -77.53M | 958.00K |
| Financing Cash Flow | 90.84M | 120.00M | -9.01M | 17.62M | -93.39M | -34.02M |
BNCCORP Technical Analysis
Negative
36.00
Price Trends
35.13
Negative
34.87
Negative
34.34
Negative
Market Momentum
-1.04
Positive
31.31
Neutral
14.78
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BNCC, the sentiment is Negative. The current price of 36 is above the 20-day moving average (MA) of 34.58, above the 50-day MA of 35.13, and above the 200-day MA of 34.34, indicating a bearish trend. The MACD of -1.04 indicates Positive momentum. The RSI at 31.31 is Neutral, neither overbought nor oversold. The STOCH value of 14.78 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BNCC.
BNCCORP Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $125.88M | 10.22 | 9.59% | 1.81% | 7.51% | 20.96% | |
76 Outperform | $134.46M | 15.39 | 6.50% | 2.09% | 5.96% | 49.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $112.00M | 17.35 | 5.23% | 3.25% | -0.79% | 11.59% | |
62 Neutral | $113.42M | 12.75 | 8.75% | ― | 11.91% | 7.34% | |
60 Neutral | $119.44M | 9.31 | 14.72% | 5.81% | 10.15% | 28.62% | |
51 Neutral | $102.56M | -26.62 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
BNCC
BNCCORP
32.00
2.10
7.02%
LSBK
Lake Shore Bancorp
17.24
4.85
39.18%
MGYR
Magyar Bancorp
19.42
2.52
14.88%
PROV
Provident Financial Holdings
17.87
3.00
20.18%
RVSB
Riverview Bancorp
5.09
0.17
3.56%
UNB
Union Bankshares
24.29
-1.04
-4.11%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.