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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.33
BNCC's Cash to Debt is ranked lower than
52% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. BNCC: 1.33 )
Ranked among companies with meaningful Cash to Debt only.
BNCC' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.19 Max: 2.79
Current: 1.33
0.07
2.79
Equity to Asset 0.09
BNCC's Equity to Asset is ranked lower than
58% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BNCC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
BNCC' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.09
Current: 0.09
0.05
0.09
Interest Coverage 3.79
BNCC's Interest Coverage is ranked higher than
71% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. BNCC: 3.79 )
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: 3.79
Current: 3.79
0.15
3.79
F-Score: 4
WACC vs ROIC
5.75%
10.14%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 26.99
BNCC's Operating margin (%) is ranked lower than
60% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. BNCC: 26.99 )
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: 26.99
-46.55
26.99
Net-margin (%) 18.22
BNCC's Net-margin (%) is ranked lower than
64% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. BNCC: 18.22 )
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: 18.22
Current: 18.22
-46.7
18.22
ROE (%) 8.69
BNCC's ROE (%) is ranked higher than
54% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. BNCC: 8.69 )
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: 8.69
-49.47
13.63
ROA (%) 0.95
BNCC's ROA (%) is ranked higher than
57% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BNCC: 0.95 )
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: 0.95
-2.73
1.09
Revenue Growth (3Y)(%) -1.60
BNCC's Revenue Growth (3Y)(%) is ranked lower than
71% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. BNCC: -1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BNCC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -34  Med: 9.50 Max: 48.3
Current: -1.6
-34
48.3
» BNCC's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 8.16
BNCC's P/E(ttm) is ranked higher than
73% of the 2209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.47 vs. BNCC: 8.16 )
Ranked among companies with meaningful P/E(ttm) only.
BNCC' s P/E(ttm) Range Over the Past 10 Years
Min: 4.48  Med: 11.57 Max: 44.09
Current: 8.16
4.48
44.09
PE(NRI) 8.16
BNCC's PE(NRI) is ranked higher than
76% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. BNCC: 8.16 )
Ranked among companies with meaningful PE(NRI) only.
BNCC' s PE(NRI) Range Over the Past 10 Years
Min: 4.49  Med: 9.27 Max: 65.1
Current: 8.16
4.49
65.1
P/B 0.84
BNCC's P/B is ranked higher than
61% of the 2221 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. BNCC: 0.84 )
Ranked among companies with meaningful P/B only.
BNCC' s P/B Range Over the Past 10 Years
Min: 0.13  Med: 0.83 Max: 2.81
Current: 0.84
0.13
2.81
P/S 1.05
BNCC's P/S is ranked higher than
88% of the 2389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. BNCC: 1.05 )
Ranked among companies with meaningful P/S only.
BNCC' s P/S Range Over the Past 10 Years
Min: 0.1  Med: 0.92 Max: 4.23
Current: 1.05
0.1
4.23
PFCF 3.39
BNCC's PFCF is ranked higher than
71% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. BNCC: 3.39 )
Ranked among companies with meaningful PFCF only.
BNCC' s PFCF Range Over the Past 10 Years
Min: 0.33  Med: 2.89 Max: 20.2
Current: 3.39
0.33
20.2
POCF 2.79
BNCC's POCF is ranked higher than
73% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.14 vs. BNCC: 2.79 )
Ranked among companies with meaningful POCF only.
BNCC' s POCF Range Over the Past 10 Years
Min: 0.31  Med: 2.69 Max: 11.81
Current: 2.79
0.31
11.81
EV-to-EBIT 5.11
BNCC's EV-to-EBIT is ranked higher than
90% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. BNCC: 5.11 )
Ranked among companies with meaningful EV-to-EBIT only.
BNCC' s EV-to-EBIT Range Over the Past 10 Years
Min: -22.2  Med: 5.10 Max: 51.3
Current: 5.11
-22.2
51.3
EV-to-EBITDA 4.62
BNCC's EV-to-EBITDA is ranked higher than
90% of the 2139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.06 vs. BNCC: 4.62 )
Ranked among companies with meaningful EV-to-EBITDA only.
BNCC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -31.9  Med: 4.70 Max: 33
Current: 4.62
-31.9
33

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.85
BNCC's Price/Tangible Book is ranked higher than
67% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. BNCC: 0.85 )
Ranked among companies with meaningful Price/Tangible Book only.
BNCC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.17  Med: 0.87 Max: 3.71
Current: 0.85
0.17
3.71
Price/Projected FCF 0.18
BNCC's Price/Projected FCF is ranked higher than
89% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. BNCC: 0.18 )
Ranked among companies with meaningful Price/Projected FCF only.
BNCC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.03  Med: 0.47 Max: 2.75
Current: 0.18
0.03
2.75
Price/Median PS Value 1.27
BNCC's Price/Median PS Value is ranked lower than
83% of the 2020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. BNCC: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
BNCC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.11  Med: 1.16 Max: 4.03
Current: 1.27
0.11
4.03
Price/Graham Number 0.42
BNCC's Price/Graham Number is ranked higher than
84% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. BNCC: 0.42 )
Ranked among companies with meaningful Price/Graham Number only.
BNCC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.36  Med: 0.82 Max: 1.61
Current: 0.42
0.36
1.61
Earnings Yield (Greenblatt) (%) 19.66
BNCC's Earnings Yield (Greenblatt) (%) is ranked higher than
91% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. BNCC: 19.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BNCC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2  Med: 17.60 Max: 458.1
Current: 19.66
2
458.1
Forward Rate of Return (Yacktman) (%) -12.00
BNCC's Forward Rate of Return (Yacktman) (%) is ranked lower than
88% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. BNCC: -12.00 )
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: -28  Med: 4.80 Max: 40.6
Current: -12
-28
40.6

More Statistics

Revenue(Mil) $46
EPS $ 1.91
Beta0.39
Short Percentage of Float0.99%
52-Week Range $14.75 - 17.40
Shares Outstanding(Mil)3.41

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
BNC Corp 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 15 locations including Illinois, Kansas, Nebraska, Missouri, Minnesota, Arizona and North Dakota.

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