How does BNCC's PE Ratio compare to its peers?

BNCC is good value based on its Price-To-Earnings Ratio (14.5x) compared to the peer average (42.7x).

How does BNCC's PE Ratio compare vs other companies in the US Banks Industry?

BNCC is expensive based on its Price-To-Earnings Ratio (14.5x) compared to the US Banks industry average (12.4x).

What is BNCC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate BNCC's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of BNCC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

BNCC ($32.01) is trading below our estimate of [[fair value]] ($39.12)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

BNCC Stock Overview

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. More details

BNCC fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 18.2% below our estimate of its fair value

Earnings grew by 55.7% over the past year

Risk Analysis

Earnings have declined by 28.2% per year over past 5 years

My Notes

Capture your thoughts, links and company narrative

BNCCORP, Inc. Competitors

Village Bank and Trust Financial

NasdaqCM:VBFC

US$116.8m

Mountain Commerce Bancorp

OTCPK:MCBI

US$137.6m

First Savings Financial Group

NasdaqCM:FSFG

US$181.7m

Riverview Bancorp

NasdaqGS:RVSB

US$120.9m

Price History & Performance

Summary of share price highs, lows and changes for BNCCORP
Historical stock prices
Current Share Price	US$32.01
52 Week High	US$35.45
52 Week Low	US$20.10
Beta	0.92
1 Month Change	1.62%
3 Month Change	19.71%
1 Year Change	14.32%
3 Year Change	-27.66%
5 Year Change	-8.73%
Change since IPO	208.53%

Recent updates

Shareholder Returns

	BNCC	US Banks	US Market
7D	-7.5%	-1.7%	-2.8%
1Y	14.3%	28.6%	24.1%

Return vs Industry: BNCC underperformed the US Banks industry which returned 28.9% over the past year.

Return vs Market: BNCC underperformed the US Market which returned 24.5% over the past year.

Price Volatility

Is BNCC's price volatile compared to industry and market?
BNCC volatility
BNCC Average Weekly Movement	4.9%
Banks Industry Average Movement	5.1%
Market Average Movement	6.3%
10% most volatile stocks in US Market	18.0%
10% least volatile stocks in US Market	3.1%

Stable Share Price: BNCC has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: BNCC's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1987	137	Dan Collins	www.bncbank.com

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, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel.

BNCCORP, Inc. Fundamentals Summary

How do BNCCORP's earnings and revenue compare to its market cap?
BNCC fundamental statistics
Market cap	US$113.73m
Earnings (TTM)	US$7.82m
Revenue (TTM)	US$36.53m

14.5x

P/E Ratio

1.1x

P/B Ratio

Is BNCC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BNCC income statement (TTM)
Revenue	US$36.53m
Cost of Revenue	US$0
Gross Profit	US$36.53m
Other Expenses	US$28.71m
Earnings	US$7.82m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.21
Gross Margin	100.00%
Net Profit Margin	21.41%
Debt/Equity Ratio	14.4%

How did BNCC perform over the long term?

See historical performance and comparison

Dividends

19.5%

Current Dividend Yield

n/a

Payout Ratio

Does BNCC pay a reliable dividends?

See BNCC dividend history and benchmarks

When do you need to buy BNCC by to receive an upcoming dividend?
BNCCORP dividend dates
Ex Dividend Date	Dec 30 2024
Dividend Pay Date	Jan 14 2025
Days until Ex dividend	4 days
Days until Dividend pay date	11 days

Does BNCC pay a reliable dividends?

See BNCC dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/02 01:52
End of Day Share Price	2025/01/02 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

BNCCORP, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution