BNCCORP Past Earnings Performance

Past criteria checks 4/6

BNCCORP's earnings have been declining at an average annual rate of -33.6%, while the Banks industry saw earnings growing at 6.5% annually. Revenues have been declining at an average rate of 19.9% per year. BNCCORP's return on equity is 8.5%, and it has net margins of 21.8%.

Key information

-33.6%

Earnings growth rate

-33.7%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	-19.9%
Return on equity	8.5%
Net Margin	21.8%
Last Earnings Update	31 Dec 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How BNCCORP makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:BNCC Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Dec 24	36	8	23
30 Sep 24	37	8	23
30 Jun 24	36	7	24
31 Mar 24	39	6	28
31 Dec 23	41	6	31
30 Sep 23	44	5	34
30 Jun 23	48	5	38
31 Mar 23	49	7	37
31 Dec 22	50	7	38
30 Sep 22	54	8	40
30 Jun 22	59	12	40
31 Mar 22	63	14	41
31 Dec 21	76	22	44
30 Sep 21	93	31	47
30 Jun 21	108	40	50
31 Mar 21	124	50	53
31 Dec 20	116	45	51
30 Sep 20	97	34	48
30 Jun 20	83	25	47
31 Mar 20	63	13	43
31 Dec 19	57	10	40
30 Sep 19	55	10	39
30 Jun 19	47	6	37
31 Mar 19	46	6	36
31 Dec 18	47	7	36
30 Sep 18	48	6	36
30 Jun 18	49	7	36
31 Mar 18	48	6	36
31 Dec 17	47	5	36
30 Sep 17	47	6	37
30 Jun 17	49	6	38
31 Mar 17	50	7	38
31 Dec 16	51	7	38
30 Sep 16	51	7	37
30 Jun 16	49	6	36
31 Mar 16	48	6	34
31 Dec 15	51	8	34
30 Sep 15	52	8	34
30 Jun 15	52	8	33
31 Mar 15	51	8	32
31 Dec 14	47	7	31
30 Sep 14	46	6	30
30 Jun 14	43	5	29
31 Mar 14	44	5	29

Quality Earnings: BNCC has high quality earnings.

Growing Profit Margin: BNCC's current net profit margins (21.8%) are higher than last year (13.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BNCC's earnings have declined by 33.6% per year over the past 5 years.

Accelerating Growth: BNCC's earnings growth over the past year (39%) exceeds its 5-year average (-33.6% per year).

Earnings vs Industry: BNCC earnings growth over the past year (39%) exceeded the Banks industry -2.5%.

Return on Equity

High ROE: BNCC's Return on Equity (8.5%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/11 12:26
End of Day Share Price	2025/02/11 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

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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.