Big Banc Split (BNK) AI Stock Analysis

• Market Cap: C$23.00M
• Dividend Yield: 8.54%
• Average Volume (3M): 1.87K
• Price to Earnings (P/E): 3.8
• Beta (1Y): 0.68
• Revenue Growth: 126.51%
• EPS Growth: 10525.53%
• Country: CA
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 2.86
• Shares Outstanding: 1,340,004
• 10 Day Avg. Volume: 2,151
• 30 Day Avg. Volume: 1,866
• PEG Ratio: -0.07
• Price to Book (P/B): 1.14
• Price to Sales (P/S): 7.81
• P/FCF Ratio: 3.21
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 54 Neutral
• Price Target: ―

Big Banc Split's stock shows signs of recovery with improved financial performance, particularly in cash flow management and balance sheet health. However, volatility in revenue and an extremely high P/E ratio pose significant risks. The dividend yield offers a positive aspect for investors, but the technical indicators suggest neutral momentum in the market.

Positive Factors

Cash Flow Management

Strong cash flow management indicates BNK's ability to fund operations and investments, ensuring long-term financial stability and growth potential.

Balance Sheet Health

A debt-free balance sheet reduces financial risk and increases flexibility, allowing BNK to invest in growth opportunities and withstand economic downturns.

Revenue Diversification

Diversified revenue streams across banking and investment services reduce reliance on any single income source, enhancing resilience against market fluctuations.

Negative Factors

Revenue Volatility

Inconsistent revenue performance poses a risk to financial stability, potentially impacting BNK's ability to maintain steady growth and investor confidence.

Asset Management Risks

A declining asset base may limit BNK's capacity to generate income and could signal inefficiencies in asset utilization, affecting long-term profitability.

Operational Efficiency Concerns

Lack of clear operational efficiency metrics like EBIT and EBITDA margins can hinder BNK's ability to assess and improve cost management, impacting profitability.

Big Banc Split Business Overview & Revenue Model

Company Description

Big Banc Split Corp. is an equity fund launched and managed by Purpose Investments Inc. The fund invests in the public equity markets of Canada. Big Banc Split Corp. was formed on May 15, 2020 and is based in Canada.

How the Company Makes Money

Big Banc Split (BNK) generates revenue through multiple streams, primarily consisting of interest income from loans and mortgages, fees and commissions from banking services, and investment income from its wealth management and advisory divisions. The retail banking division earns through interest on personal and business loans, credit cards, and mortgages. The corporate finance division provides tailored financial solutions to businesses, earning fees from underwriting, advisory services, and transaction processing. Additionally, the investment management division generates income through management fees and performance-based incentives tied to client asset growth. Strategic partnerships with fintech companies and other financial institutions also contribute to BNK's revenue by expanding its service offerings and customer base.

Big Banc Split Financial Statement Overview

Summary

Big Banc Split shows signs of recovery in 2023 with improved profitability and strong cash flow management. The balance sheet remains healthy, primarily due to zero debt, despite a decline in total assets. The income statement reflects volatility with inconsistent revenue performance, which poses a risk. Future focus should be on stabilizing revenue growth and enhancing operational efficiency.

Income Statement

The income statement shows a significant recovery in 2023 with positive revenue and net income, following a challenging 2022 where both were negative. The gross profit margin in 2023 is strong, but the absence of EBIT and EBITDA margins raises concerns about operational efficiency. The revenue growth rate is not calculable due to negative revenue in 2022, indicating a volatile performance.

Balance Sheet

The balance sheet is stable with no debt in 2023, indicating strong financial health and low leverage risk. The equity ratio has decreased from 2022 but remains healthy. Return on Equity saw improvement from a negative position in 2022 to a positive in 2023, reflecting better profitability. However, the decline in total assets over the years suggests potential risks in asset management.

Cash Flow

Cash flow analysis is impressive with consistent positive operating cash flow. The operating cash flow to net income ratio is robust, indicating good cash generation relative to earnings. Free cash flow saw significant growth in 2023, highlighting strong cash profitability. The cash flow management suggests a solid ability to fund operations and investments.

Breakdown	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.14M	-3.96M	13.36M	7.44M
Gross Profit	2.14M	-3.96M	13.36M	7.44M
EBITDA	1.97M	-7.97M	13.27M	5.31M
Net Income	1.97M	-4.10M	13.27M	5.31M
Balance Sheet
Total Assets	28.52M	32.27M	44.90M	40.46M
Cash, Cash Equivalents and Short-Term Investments	765.52K	0.00	242.01K	4.03M
Total Debt	0.00	200.87K	0.00	0.00
Total Liabilities	13.90M	14.42M	16.40M	18.41M
Stockholders Equity	14.62M	17.86M	28.51M	22.05M
Cash Flow
Free Cash Flow	5.22M	5.19M	1.98M	-29.40M
Operating Cash Flow	5.22M	5.19M	1.98M	-29.40M
Investing Cash Flow	0.00	0.00	0.00	0.00
Financing Cash Flow	-4.25M	-5.64M	-5.77M	33.43M

Big Banc Split Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.85
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:BNK, the sentiment is Positive. The current price of 16.85 is below the 20-day moving average (MA) of 17.06, above the 50-day MA of 16.68, and above the 200-day MA of 15.06, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 54.24 is Neutral, neither overbought nor oversold. The STOCH value of 17.97 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:BNK.

Big Banc Split Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ELC	70 Outperform	C$17.01M	2.03	49.20%	1.96%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BNK	54 Neutral	C$23.00M	3.78	46.99%	8.54%	126.51%	10525.53%
GPK	47 Neutral	C$12.68M	-72.73	-5.53%	―	-35.59%	88.78%
IDK	45 Neutral	C$7.07M	-0.28	-55.73%	―	53.55%	-289.42%

Big Banc Split Corporate Events

Purpose Investments Declares December 2025 Distributions Across ETF and Fund Lineup

Purpose Investments Inc. announced its regular December 2025 cash distributions across a wide range of its open-end exchange-traded funds and closed-end funds, detailing per-unit payout amounts along with record, ex-distribution and payable dates. The move confirms ongoing income streams for unitholders in products covering equity yield strategies, global bonds, credit, digital asset yield and multi-asset income mandates, and underscores Purpose’s positioning as a provider of consistent distribution-focused solutions in the Canadian ETF and fund market heading into 2026.

Purpose Investments Announces November 2025 Fund Distributions

Purpose Investments Inc. has announced the distribution details for its open-end and closed-end funds for November 2025. The ex-distribution dates are set for November 26 for open-end funds and November 28 for closed-end funds, with payments scheduled for December 2, 2025. This announcement provides investors with detailed information on the distribution amounts per share or unit for a wide range of funds, including those focused on yield shares, bonds, and various sectors such as technology and resources. The regular monthly distributions reflect Purpose Investments’ ongoing commitment to providing income opportunities for its investors.

Purpose Investments Announces October 2025 Fund Distributions

Purpose Investments Inc. has announced the distributions for October 2025 for its open-end and closed-end funds. The ex-distribution dates for these funds are set for October 29 and October 31, 2025, respectively, with payments scheduled for November 4, 2025. This announcement reflects Purpose’s ongoing commitment to providing regular income to its investors through a diverse range of funds, including those focused on yield shares, bonds, and various asset classes. The consistent distribution strategy underscores Purpose’s role in the investment industry as a provider of income-generating financial products.