BNCC Stock Overview

Operates as the bank holding company for BNC National Bank that provides commercial and retail banking, and wealth management services in the United States. 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 19.9% below our estimate of its fair value

Earnings grew by 39% over the past year

Risk Analysis

Earnings have declined by 33.6% per year over past 5 years

Community vs My Fair Value

Select a narrative for quick price alerts from the community, or create your own.

BNCCORP, Inc. Competitors

Mountain Commerce Bancorp

OTCPK:MCBI

US$128.2m

Riverview Bancorp

NasdaqGS:RVSB

US$120.5m

First Savings Financial Group

NasdaqCM:FSFG

US$158.4m

Pathfinder Bancorp

NasdaqCM:PBHC

US$93.1m

Price History & Performance

Summary of share price highs, lows and changes for BNCCORP
Historical stock prices
Current Share Price	US$29.00
52 Week High	US$35.45
52 Week Low	US$20.10
Beta	0.59
1 Month Change	-1.69%
3 Month Change	-12.12%
1 Year Change	31.88%
3 Year Change	-16.57%
5 Year Change	56.76%
Change since IPO	179.52%

Recent updates

Shareholder Returns

	BNCC	US Banks	US Market
7D	-1.5%	-2.3%	-3.0%
1Y	31.9%	13.0%	4.6%

Return vs Industry: BNCC exceeded the US Banks industry which returned 14.9% over the past year.

Return vs Market: BNCC exceeded the US Market which returned 5.9% over the past year.

Price Volatility

Is BNCC's price volatile compared to industry and market?
BNCC volatility
BNCC Average Weekly Movement	5.0%
Banks Industry Average Movement	4.6%
Market Average Movement	7.7%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	4.0%

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.bnc.bank

BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides commercial and retail banking, and wealth management services in the United States. The company offers a range of commercial banking services, such as business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-sized businesses. It also provides retail banking services, including personal checking and savings products, personal loans, and card services; and wealth management solutions, such as personal wealth advisory services, 401(k), other retirement plan administration, and trust services.

BNCCORP, Inc. Fundamentals Summary

How do BNCCORP's earnings and revenue compare to its market cap?
BNCC fundamental statistics
Market cap	US$104.42m
Earnings (TTM)	US$7.93m
Revenue (TTM)	US$36.29m

13.0x

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$36.29m
Cost of Revenue	US$0
Gross Profit	US$36.29m
Other Expenses	US$28.36m
Earnings	US$7.93m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.24
Gross Margin	100.00%
Net Profit Margin	21.85%
Debt/Equity Ratio	16.5%

How did BNCC perform over the long term?

See historical performance and comparison

Dividends

13.8%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/04/16 23:42
End of Day Share Price	2025/04/16 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

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 Github.

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.