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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.12
BNCC's Cash to Debt is ranked lower than
92% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. BNCC: 0.12 )
Ranked among companies with meaningful Cash to Debt only.
BNCC' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.16 Max: N/A
Current: 0.12
Equity to Asset 0.08
BNCC's Equity to Asset is ranked lower than
71% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BNCC: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
BNCC' s Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.07 Max: 0.1
Current: 0.08
0.04
0.1
Interest Coverage 3.27
BNCC's Interest Coverage is ranked higher than
70% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BNCC: 3.27 )
Ranked among companies with meaningful Interest Coverage only.
BNCC' s Interest Coverage Range Over the Past 10 Years
Min: 0.15  Med: 0.32 Max: 5.12
Current: 3.27
0.15
5.12
WACC vs ROIC
6.86%
5.55%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 20.46
BNCC's Operating margin (%) is ranked lower than
73% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. BNCC: 20.46 )
Ranked among companies with meaningful Operating margin (%) only.
BNCC' s Operating margin (%) Range Over the Past 10 Years
Min: -46.55  Med: 11.38 Max: 26.99
Current: 20.46
-46.55
26.99
Net-margin (%) 14.54
BNCC's Net-margin (%) is ranked lower than
74% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. BNCC: 14.54 )
Ranked among companies with meaningful Net-margin (%) only.
BNCC' s Net-margin (%) Range Over the Past 10 Years
Min: -46.7  Med: 8.56 Max: 18.3
Current: 14.54
-46.7
18.3
ROE (%) 9.44
BNCC's ROE (%) is ranked higher than
58% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. BNCC: 9.44 )
Ranked among companies with meaningful ROE (%) only.
BNCC' s ROE (%) Range Over the Past 10 Years
Min: -49.47  Med: 7.32 Max: 13.63
Current: 9.44
-49.47
13.63
ROA (%) 0.82
BNCC's ROA (%) is ranked lower than
54% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. BNCC: 0.82 )
Ranked among companies with meaningful ROA (%) only.
BNCC' s ROA (%) Range Over the Past 10 Years
Min: -2.73  Med: 0.52 Max: 1.09
Current: 0.82
-2.73
1.09
» BNCC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:OTCPK:FOFN, OTCPK:EFSI, OTCPK:FBTT, NAS:RBPAA, NAS:SBBX, OTCPK:EMYB, OTCPK:FMBM, OTCPK:CPKF, OTCPK:OPBK, NAS:MBCN, OTCPK:PFLC, NAS:MFNC, OTCBB:JUVF, NAS:WBB, NAS:FSFG, NAS:HWBK, OTCPK:CABC, OTCPK:FDBC, NAS:RNDB, NAS:MPB » details
BNC Corp Inc is a bank holding company. The Company through its bank holding operates community banking and wealth management businesses to businesses and consumers in Arizona, Minnesota and North Dakota from approximately 15 locations.

BNCCORP Inc is a bank holding company incorporated under the laws of Delaware. The Company through its bank holding operates community banking and wealth management businesses to businesses and consumers in Arizona, Minnesota and North Dakota from approximately 15 locations. It also conducts mortgage banking from approximately 14 locations including Illinois, Kansas, Nebraska, Missouri, Minnesota, Arizona and North Dakota.

Ratios

vs
industry
vs
history
P/E(ttm) 12.47
BNCC's P/E(ttm) is ranked higher than
57% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. BNCC: 12.47 )
Ranked among companies with meaningful P/E(ttm) only.
BNCC' s P/E(ttm) Range Over the Past 10 Years
Min: 6.83  Med: 12.82 Max: 324.25
Current: 12.47
6.83
324.25
PE(NRI) 12.47
BNCC's PE(NRI) is ranked higher than
57% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. BNCC: 12.47 )
Ranked among companies with meaningful PE(NRI) only.
BNCC' s PE(NRI) Range Over the Past 10 Years
Min: 6.83  Med: 9.86 Max: 267
Current: 12.47
6.83
267
Price/Owner Earnings (ttm) 11.85
BNCC's Price/Owner Earnings (ttm) is ranked higher than
59% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. BNCC: 11.85 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BNCC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.04  Med: 9.48 Max: 71.73
Current: 11.85
1.04
71.73
P/B 1.15
BNCC's P/B is ranked lower than
52% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BNCC: 1.15 )
Ranked among companies with meaningful P/B only.
BNCC' s P/B Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 3.61
Current: 1.15
0.17
3.61
P/S 1.75
BNCC's P/S is ranked higher than
79% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. BNCC: 1.75 )
Ranked among companies with meaningful P/S only.
BNCC' s P/S Range Over the Past 10 Years
Min: 0.13  Med: 1.1 Max: 5.51
Current: 1.75
0.13
5.51
POCF 30.39
BNCC's POCF is ranked lower than
91% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. BNCC: 30.39 )
Ranked among companies with meaningful POCF only.
BNCC' s POCF Range Over the Past 10 Years
Min: 0.36  Med: 2.8 Max: 43.97
Current: 30.39
0.36
43.97
EV-to-EBIT 16.65
BNCC's EV-to-EBIT is ranked lower than
64% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. BNCC: 16.65 )
Ranked among companies with meaningful EV-to-EBIT only.
BNCC' s EV-to-EBIT Range Over the Past 10 Years
Min: -213.2  Med: 2 Max: 51.3
Current: 16.65
-213.2
51.3
EV-to-EBITDA 14.63
BNCC's EV-to-EBITDA is ranked lower than
63% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. BNCC: 14.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
BNCC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -65.3  Med: 2.2 Max: 26
Current: 14.63
-65.3
26

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -1.30
BNCC's 3-Year Average Share Buyback Ratio is ranked higher than
55% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. BNCC: -1.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BNCC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.2  Med: -1.5 Max: 3
Current: -1.3
-12.2
3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.16
BNCC's Price/Tangible Book is ranked higher than
52% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BNCC: 1.16 )
Ranked among companies with meaningful Price/Tangible Book only.
BNCC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.17  Med: 1.21 Max: 3.72
Current: 1.16
0.17
3.72
Price/Projected FCF 0.75
BNCC's Price/Projected FCF is ranked higher than
50% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. BNCC: 0.75 )
Ranked among companies with meaningful Price/Projected FCF only.
BNCC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.06  Med: 0.7 Max: 15.3
Current: 0.75
0.06
15.3
Price/Median PS Value 1.60
BNCC's Price/Median PS Value is ranked lower than
86% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BNCC: 1.60 )
Ranked among companies with meaningful Price/Median PS Value only.
BNCC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.12  Med: 1.06 Max: 5
Current: 1.6
0.12
5
Price/Graham Number 0.80
BNCC's Price/Graham Number is ranked higher than
60% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. BNCC: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
BNCC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.42  Med: 0.99 Max: 4.93
Current: 0.8
0.42
4.93
Earnings Yield (Greenblatt) (%) 6.01
BNCC's Earnings Yield (Greenblatt) (%) is ranked higher than
52% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. BNCC: 6.01 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BNCC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2  Med: 19.3 Max: 5996
Current: 6.01
2
5996
Forward Rate of Return (Yacktman) (%) -8.93
BNCC's Forward Rate of Return (Yacktman) (%) is ranked lower than
86% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. BNCC: -8.93 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BNCC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -8.93  Med: 9.2 Max: 117
Current: -8.93
-8.93
117

More Statistics

Revenue (TTM) (Mil) $51.84
EPS (TTM) $ 2.08
Beta0.73
Short Percentage of Float0.99%
52-Week Range $14.26 - 26.39
Shares Outstanding (Mil)3.46

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