BNCCORP (BNCC)
OTHER OTC:BNCC
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BNCCORP
(OTC:BNCC)
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Rating:64Neutral
Price Target:
$36.00
▲(18.03% Upside)
Action:Reiterated
Date:05/19/26
The score is supported primarily by improving financial performance and a conservative balance sheet. This is offset by weak technical momentum (below key moving averages with bearish RSI/MACD). Valuation is reasonable (P/E ~14.5) but not a major upside driver without a provided dividend yield.
Positive Factors
Conservative balance sheet
Very low leverage and rising equity provide durable loss-absorption and funding flexibility for a regional bank. This reduces regulatory and liquidity risk, supports lending capacity and limits reliance on volatile wholesale funding over the next several quarters.
Negative Factors
Volatile earnings and cash flow
Historic swings in operating cash flow and earnings reduce predictability of internal funding and capital planning. This variability complicates provisioning, dividend policy, and strategic investments, raising execution risk across a 2–6 month horizon and beyond.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage and rising equity provide durable loss-absorption and funding flexibility for a regional bank. This reduces regulatory and liquidity risk, supports lending capacity and limits reliance on volatile wholesale funding over the next several quarters.
Read all positive factors
BNCCORP (BNCC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$119.35M
Dividend YieldN/A
Average Volume (3M)2.69K
Price to Earnings (P/E)13.2
Beta (1Y)0.20
Revenue Growth12.53%
EPS Growth15.16%
CountryUS
Employees138
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.59
Shares Outstanding3,477,000
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-0.36
Enterprise Value/Revenue-0.73
Enterprise Value/Gross Profit-1.09
Enterprise Value/Ebitda-3.22
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 generating fee-based revenue. Net interest income is the largest driver: the bank takes in funds via customer deposits and other funding sources, inves...
BNCCORP Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
79
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 59.10M | 57.17M | 36.29M | 53.28M | 52.74M | 78.14M |
| Gross Profit | 39.37M | 38.26M | 36.29M | 41.50M | 50.24M | 76.35M |
| EBITDA | 13.40M | 12.89M | 10.26M | 8.98M | 10.35M | 30.76M |
| Net Income | 9.17M | 8.77M | 7.93M | 5.71M | 6.50M | 21.95M |
Balance Sheet | ||||||
| Total Assets | 1.06B | 1.10B | 966.68M | 968.21M | 943.32M | 1.05B |
| Cash, Cash Equivalents and Short-Term Investments | 290.79M | 295.12M | 100.81M | 262.23M | 248.84M | 397.04M |
| Total Debt | 16.12M | 16.04M | 15.46M | 16.51M | 17.38M | 17.30M |
| Total Liabilities | 954.26M | 993.70M | 873.01M | 859.79M | 842.98M | 932.39M |
| Stockholders Equity | 108.59M | 106.51M | 93.67M | 108.42M | 100.35M | 114.99M |
Cash Flow | ||||||
| Free Cash Flow | 12.92M | 12.50M | 8.31M | 46.08M | 56.30M | 207.82M |
| Operating Cash Flow | 13.26M | 12.83M | 9.36M | 46.61M | 56.82M | 208.68M |
| Investing Cash Flow | -19.99M | -22.19M | -1.99M | -35.74M | -77.53M | 958.00K |
| Financing Cash Flow | 83.61M | 120.00M | -9.01M | 17.62M | -93.39M | -34.02M |
BNCCORP Technical Analysis
Positive
30.50
Price Trends
34.50
Negative
35.25
Negative
33.35
Positive
Market Momentum
-0.08
Negative
51.24
Neutral
72.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BNCC, the sentiment is Positive. The current price of 30.5 is below the 20-day moving average (MA) of 33.91, below the 50-day MA of 34.50, and below the 200-day MA of 33.35, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 51.24 is Neutral, neither overbought nor oversold. The STOCH value of 72.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BNCC.
BNCCORP Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $117.30M | 10.06 | 9.18% | 1.81% | 8.55% | 25.00% | |
73 Outperform | $134.75M | 15.82 | 6.30% | 2.12% | 6.16% | 68.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $105.31M | 17.59 | 4.77% | 3.50% | -1.84% | -3.36% | |
64 Neutral | $119.35M | 13.22 | 8.75% | ― | 12.53% | 15.16% | |
59 Neutral | $109.35M | 9.43 | 14.94% | 6.08% | 11.40% | 29.64% | |
58 Neutral | $117.65M | -27.62 | -2.73% | 1.51% | -11.57% | -191.02% |
* Financial Sector Average
BNCC
BNCCORP
34.33
6.11
21.63%
LSBK
Lake Shore Bancorp
17.40
6.10
53.98%
MGYR
Magyar Bancorp
18.15
2.37
15.03%
PROV
Provident Financial Holdings
16.84
1.90
12.75%
RVSB
Riverview Bancorp
5.80
0.53
10.04%
UNB
Union Bankshares
23.70
-1.75
-6.87%
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.