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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 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 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
69% of the 1496 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 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 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
8.70%
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
74% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 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
73% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 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
61% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 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
53% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 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
GuruFocus has detected 4 Warning Signs with BNCCORP Inc $BNCC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BNCC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6029
Compare:OTCPK:OPBK, OTCPK:FMBA, NAS:RNDB, OTCPK:FMBM, OTCPK:CPKF, OTCPK:CMTV, OTCPK:FBTT, OTCBB:JUVF, NAS:GFED, OTCPK:SCZC, NAS:PLBC, OTCPK:EMPK, NAS:SVBI, OTCPK:HARL, OTCPK:EFSI, OTCPK:ENBP, OTCPK:FOFND, OTCPK:TYCB, OTCPK:CCFN, NAS:MFNC » 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
PE Ratio 12.74
BNCC's PE Ratio is ranked higher than
54% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. BNCC: 12.74 )
Ranked among companies with meaningful PE Ratio only.
BNCC' s PE Ratio Range Over the Past 10 Years
Min: 6.83  Med: 12.8 Max: 324.25
Current: 12.74
6.83
324.25
PE Ratio without NRI 12.74
BNCC's PE Ratio without NRI is ranked higher than
57% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. BNCC: 12.74 )
Ranked among companies with meaningful PE Ratio without NRI only.
BNCC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.83  Med: 9.52 Max: 267
Current: 12.74
6.83
267
Price-to-Owner-Earnings 11.73
BNCC's Price-to-Owner-Earnings is ranked higher than
61% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. BNCC: 11.73 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BNCC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.09  Med: 13.16 Max: 535.29
Current: 11.73
1.09
535.29
PB Ratio 1.18
BNCC's PB Ratio is ranked higher than
50% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. BNCC: 1.18 )
Ranked among companies with meaningful PB Ratio only.
BNCC' s PB Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.79 Max: 3.61
Current: 1.18
0.17
3.61
PS Ratio 1.80
BNCC's PS Ratio is ranked higher than
79% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. BNCC: 1.80 )
Ranked among companies with meaningful PS Ratio only.
BNCC' s PS Ratio Range Over the Past 10 Years
Min: 0.13  Med: 1.1 Max: 5.51
Current: 1.8
0.13
5.51
Price-to-Operating-Cash-Flow 31.03
BNCC's Price-to-Operating-Cash-Flow is ranked lower than
90% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. BNCC: 31.03 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BNCC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.82  Med: 7.35 Max: 31.89
Current: 31.03
0.82
31.89
EV-to-EBIT 16.84
BNCC's EV-to-EBIT is ranked lower than
70% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. BNCC: 16.84 )
Ranked among companies with meaningful EV-to-EBIT only.
BNCC' s EV-to-EBIT Range Over the Past 10 Years
Min: -213.2  Med: 1.9 Max: 40.2
Current: 16.84
-213.2
40.2
EV-to-EBITDA 14.79
BNCC's EV-to-EBITDA is ranked lower than
68% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. BNCC: 14.79 )
Ranked among companies with meaningful EV-to-EBITDA only.
BNCC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -65.3  Med: 2.1 Max: 25.9
Current: 14.79
-65.3
25.9

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
52% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 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-to-Tangible-Book 1.18
BNCC's Price-to-Tangible-Book is ranked higher than
54% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. BNCC: 1.18 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BNCC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.17  Med: 1.21 Max: 3.72
Current: 1.18
0.17
3.72
Price-to-Intrinsic-Value-Projected-FCF 0.91
BNCC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
59% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BNCC: 0.91 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BNCC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.71 Max: 2.24
Current: 0.91
0.08
2.24
Price-to-Median-PS-Value 1.63
BNCC's Price-to-Median-PS-Value is ranked lower than
85% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. BNCC: 1.63 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BNCC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.12  Med: 1.04 Max: 5
Current: 1.63
0.12
5
Price-to-Graham-Number 0.82
BNCC's Price-to-Graham-Number is ranked higher than
60% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. BNCC: 0.82 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BNCC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.42  Med: 0.99 Max: 4.93
Current: 0.82
0.42
4.93
Earnings Yield (Greenblatt) % 5.94
BNCC's Earnings Yield (Greenblatt) % is ranked lower than
52% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. BNCC: 5.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BNCC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.5  Med: 21.1 Max: 5996
Current: 5.94
2.5
5996
Forward Rate of Return (Yacktman) % -10.89
BNCC's Forward Rate of Return (Yacktman) % is ranked lower than
91% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. BNCC: -10.89 )
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: -10.89  Med: 5.5 Max: 117
Current: -10.89
-10.89
117

More Statistics

Revenue (TTM) (Mil) $51.84
EPS (TTM) $ 2.08
Beta1.07
Short Percentage of Float0.99%
52-Week Range $14.50 - 27.40
Shares Outstanding (Mil)3.46

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