BNCCORP (BNCC)
OTHER OTC:BNCC
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BNCCORP
(OTC:BNCC)
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Rating:60Neutral
Price Target:
$37.00
▲(21.31% Upside)
Action:ReiteratedDate:04/03/26
The score is driven primarily by solid but inconsistent financial performance (strong recent profitability and conservative leverage, tempered by multi-year volatility and swingy cash flows). Technicals add a modest drag due to negative MACD and price below shorter-term averages, while valuation is a mild positive given a reasonable P/E.
Positive Factors
Conservative balance sheet
Low reported leverage (~0.15x debt/equity) supports resilience across economic cycles, preserves regulatory and funding flexibility, and enables the bank to absorb loan losses or fund targeted lending without needing immediate external capital—beneficial for durable stability.
Negative Factors
Earnings and revenue volatility
Material year-to-year swings in revenue and profit reduce earnings predictability and complicate multi-period planning. For a regional bank, volatile top-line performance can force conservative capital retention, constrain dividend/payout policy, and raise lending growth uncertainty.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low reported leverage (~0.15x debt/equity) supports resilience across economic cycles, preserves regulatory and funding flexibility, and enables the bank to absorb loan losses or fund targeted lending without needing immediate external capital—beneficial for durable stability.
Read all positive factors
BNCCORP (BNCC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$121.69M
Dividend YieldN/A
Average Volume (3M)2.69K
Price to Earnings (P/E)13.4
Beta (1Y)0.21
Revenue Growth9.20%
EPS Growth10.75%
CountryUS
Employees138
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.62
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-0.60
Enterprise Value/Revenue-1.27
Enterprise Value/Gross Profit-1.90
Enterprise Value/Ebitda-6.34
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. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The company offers commercial banking services, incl...
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
62
Positive
Balance Sheet
74
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 57.17M | 36.29M | 53.28M | 52.74M | 78.14M |
| Gross Profit | 38.26M | 36.29M | 41.50M | 50.24M | 76.35M |
| EBITDA | 11.44M | 10.26M | 8.98M | 10.35M | 30.76M |
| Net Income | 8.77M | 7.93M | 5.71M | 6.50M | 21.95M |
Balance Sheet | |||||
| Total Assets | 1.10B | 966.68M | 968.21M | 943.32M | 1.05B |
| Cash, Cash Equivalents and Short-Term Investments | 211.45M | 100.81M | 262.23M | 248.84M | 397.04M |
| Total Debt | 16.04M | 15.46M | 16.51M | 17.38M | 17.30M |
| Total Liabilities | 993.70M | 873.01M | 859.79M | 842.98M | 932.39M |
| Stockholders Equity | 106.51M | 93.67M | 108.42M | 100.35M | 114.99M |
Cash Flow | |||||
| Free Cash Flow | 12.50M | 8.31M | 46.08M | 56.30M | 207.82M |
| Operating Cash Flow | 12.83M | 9.36M | 46.61M | 56.82M | 208.68M |
| Investing Cash Flow | -22.19M | -1.99M | -35.74M | -77.53M | 958.00K |
| Financing Cash Flow | 120.00M | -9.01M | 17.62M | -93.39M | -34.02M |
BNCCORP Technical Analysis
Negative
30.50
Price Trends
35.64
Negative
34.34
Negative
32.21
Positive
Market Momentum
-0.31
Positive
43.10
Neutral
64.45
Neutral
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 30.5 is below the 20-day moving average (MA) of 34.52, below the 50-day MA of 35.64, and below the 200-day MA of 32.21, indicating a neutral trend. The MACD of -0.31 indicates Positive momentum. The RSI at 43.10 is Neutral, neither overbought nor oversold. The STOCH value of 64.45 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $112.72M | 8.83 | 9.18% | 1.81% | 8.55% | 25.21% | |
76 Outperform | $123.30M | 14.60 | 6.26% | 2.12% | 6.16% | 67.77% | |
68 Neutral | $109.40M | ― | 4.77% | 3.50% | -1.95% | -3.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $121.69M | 13.45 | 8.60% | ― | 9.20% | 10.75% | |
60 Neutral | $107.28M | 18.92 | 2.98% | 1.51% | 8.43% | 518.13% | |
60 Neutral | $113.92M | 9.35 | 15.47% | 6.08% | 11.37% | 29.58% |
* Financial Sector Average
BNCC
BNCCORP
35.00
6.36
22.21%
LSBK
Lake Shore Bancorp
15.92
5.17
48.08%
MGYR
Magyar Bancorp
17.40
3.56
25.70%
PROV
Provident Financial Holdings
17.16
2.39
16.19%
RVSB
Riverview Bancorp
5.18
-1.13
-17.84%
UNB
Union Bankshares
24.69
-6.87
-21.78%
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.