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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 0.22
BNCN's Cash to Debt is ranked lower than
80% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. BNCN: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
BNCN' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.34 Max: N/A
Current: 0.22
Equity to Asset 0.09
BNCN's Equity to Asset is ranked lower than
57% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BNCN: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
BNCN' s 10-Year Equity to Asset Range
Min: 0.05  Med: 0.08 Max: 0.1
Current: 0.09
0.05
0.1
Interest Coverage 2.00
BNCN's Interest Coverage is ranked higher than
57% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. BNCN: 2.00 )
Ranked among companies with meaningful Interest Coverage only.
BNCN' s 10-Year Interest Coverage Range
Min: 0.12  Med: 0.33 Max: 2
Current: 2
0.12
2
F-Score: 4
WACC vs ROIC
9.45%
6.89%
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 (%) 28.52
BNCN's Operating margin (%) is ranked lower than
55% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. BNCN: 28.52 )
Ranked among companies with meaningful Operating margin (%) only.
BNCN' s 10-Year Operating margin (%) Range
Min: -322.5  Med: 20.28 Max: 31.15
Current: 28.52
-322.5
31.15
Net-margin (%) 20.36
BNCN's Net-margin (%) is ranked lower than
56% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. BNCN: 20.36 )
Ranked among companies with meaningful Net-margin (%) only.
BNCN' s 10-Year Net-margin (%) Range
Min: 7.6  Med: 18.88 Max: 126.25
Current: 20.36
7.6
126.25
ROE (%) 9.87
BNCN's ROE (%) is ranked higher than
60% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. BNCN: 9.87 )
Ranked among companies with meaningful ROE (%) only.
BNCN' s 10-Year ROE (%) Range
Min: 2.86  Med: 9.12 Max: 14.5
Current: 9.87
2.86
14.5
ROA (%) 0.92
BNCN's ROA (%) is ranked higher than
54% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. BNCN: 0.92 )
Ranked among companies with meaningful ROA (%) only.
BNCN' s 10-Year ROA (%) Range
Min: 0.3  Med: 0.76 Max: 1.01
Current: 0.92
0.3
1.01
Revenue Growth (3Y)(%) -12.50
BNCN's Revenue Growth (3Y)(%) is ranked lower than
89% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. BNCN: -12.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BNCN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 12.20 Max: 120
Current: -12.5
0
120
EBITDA Growth (3Y)(%) 24.20
BNCN's EBITDA Growth (3Y)(%) is ranked higher than
84% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. BNCN: 24.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BNCN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -10.80 Max: 24.2
Current: 24.2
0
24.2
EPS Growth (3Y)(%) 34.00
BNCN's EPS Growth (3Y)(%) is ranked higher than
85% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. BNCN: 34.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BNCN' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.5  Med: 6.50 Max: 34
Current: 34
-17.5
34
» BNCN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

BNCN Guru Trades in Q3 2014

Jim Simons 112,000 sh (+64.35%)
Bernard Horn 121,920 sh (unchged)
» More
Q4 2014

BNCN Guru Trades in Q4 2014

Jim Simons 131,940 sh (+17.80%)
Bernard Horn 121,920 sh (unchged)
» More
Q1 2015

BNCN Guru Trades in Q1 2015

Jim Simons 162,193 sh (+22.93%)
Bernard Horn 121,920 sh (unchged)
» More
Q2 2015

BNCN Guru Trades in Q2 2015

Jim Simons 283,817 sh (+74.99%)
Bernard Horn 121,920 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with BNCN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 17.60
BNCN's P/E(ttm) is ranked lower than
73% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. BNCN: 17.60 )
Ranked among companies with meaningful P/E(ttm) only.
BNCN' s 10-Year P/E(ttm) Range
Min: 5.07  Med: 17.03 Max: 28.62
Current: 17.6
5.07
28.62
Forward P/E 11.75
BNCN's Forward P/E is ranked higher than
51% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. BNCN: 11.75 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.60
BNCN's PE(NRI) is ranked lower than
73% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. BNCN: 17.60 )
Ranked among companies with meaningful PE(NRI) only.
BNCN' s 10-Year PE(NRI) Range
Min: 5.08  Med: 17.39 Max: 28.57
Current: 17.6
5.08
28.57
P/B 1.66
BNCN's P/B is ranked lower than
84% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. BNCN: 1.66 )
Ranked among companies with meaningful P/B only.
BNCN' s 10-Year P/B Range
Min: 0.45  Med: 1.31 Max: 2.63
Current: 1.66
0.45
2.63
P/S 3.59
BNCN's P/S is ranked lower than
66% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. BNCN: 3.59 )
Ranked among companies with meaningful P/S only.
BNCN' s 10-Year P/S Range
Min: 0.74  Med: 2.88 Max: 6.1
Current: 3.59
0.74
6.1
PFCF 20.16
BNCN's PFCF is ranked lower than
80% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. BNCN: 20.16 )
Ranked among companies with meaningful PFCF only.
BNCN' s 10-Year PFCF Range
Min: 1.72  Med: 11.95 Max: 73.64
Current: 20.16
1.72
73.64
POCF 14.38
BNCN's POCF is ranked lower than
75% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. BNCN: 14.38 )
Ranked among companies with meaningful POCF only.
BNCN' s 10-Year POCF Range
Min: 1.4  Med: 8.01 Max: 134.08
Current: 14.38
1.4
134.08
EV-to-EBIT 20.50
BNCN's EV-to-EBIT is ranked lower than
72% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. BNCN: 20.50 )
Ranked among companies with meaningful EV-to-EBIT only.
BNCN' s 10-Year EV-to-EBIT Range
Min: -44.3  Med: 27.25 Max: 81.1
Current: 20.5
-44.3
81.1
PEG 16.00
BNCN's PEG is ranked lower than
98% of the 619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BNCN: 16.00 )
Ranked among companies with meaningful PEG only.
BNCN' s 10-Year PEG Range
Min: 0.38  Med: 1.33 Max: 12.31
Current: 16
0.38
12.31
Shiller P/E 26.65
BNCN's Shiller P/E is ranked lower than
82% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. BNCN: 26.65 )
Ranked among companies with meaningful Shiller P/E only.
BNCN' s 10-Year Shiller P/E Range
Min: 6.41  Med: 10.48 Max: 29.3
Current: 26.65
6.41
29.3
Days Sales Outstanding 29.82
BNCN's Days Sales Outstanding is ranked higher than
57% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. BNCN: 29.82 )
Ranked among companies with meaningful Days Sales Outstanding only.
BNCN' s 10-Year Days Sales Outstanding Range
Min: 32.45  Med: 42.17 Max: 68.73
Current: 29.82
32.45
68.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.97
BNCN's Dividend Yield is ranked lower than
89% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. BNCN: 0.97 )
Ranked among companies with meaningful Dividend Yield only.
BNCN' s 10-Year Dividend Yield Range
Min: 0.66  Med: 1.26 Max: 3.64
Current: 0.97
0.66
3.64
Dividend Payout 0.17
BNCN's Dividend Payout is ranked higher than
82% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. BNCN: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
BNCN' s 10-Year Dividend Payout Range
Min: 0.04  Med: 0.39 Max: 5
Current: 0.17
0.04
5
Yield on cost (5-Year) 0.97
BNCN's Yield on cost (5-Year) is ranked lower than
89% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. BNCN: 0.97 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BNCN' s 10-Year Yield on cost (5-Year) Range
Min: 0.66  Med: 1.26 Max: 3.64
Current: 0.97
0.66
3.64
Share Buyback Rate -38.80
BNCN's Share Buyback Rate is ranked lower than
94% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BNCN: -38.80 )
Ranked among companies with meaningful Share Buyback Rate only.
BNCN' s 10-Year Share Buyback Rate Range
Min: -3.6  Med: -9.55 Max: -42
Current: -38.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.08
BNCN's Price/Tangible Book is ranked lower than
88% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. BNCN: 2.08 )
Ranked among companies with meaningful Price/Tangible Book only.
BNCN' s 10-Year Price/Tangible Book Range
Min: 0.7  Med: 1.75 Max: 2.75
Current: 2.08
0.7
2.75
Price/Projected FCF 1.06
BNCN's Price/Projected FCF is ranked lower than
81% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. BNCN: 1.06 )
Ranked among companies with meaningful Price/Projected FCF only.
BNCN' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 0.51 Max: 1.16
Current: 1.06
0.29
1.16
Price/Median PS Value 1.27
BNCN's Price/Median PS Value is ranked lower than
75% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. BNCN: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
BNCN' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 1.18 Max: 5.05
Current: 1.27
0.29
5.05
Price/Graham Number 1.30
BNCN's Price/Graham Number is ranked lower than
85% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. BNCN: 1.30 )
Ranked among companies with meaningful Price/Graham Number only.
BNCN' s 10-Year Price/Graham Number Range
Min: 0.37  Med: 1.17 Max: 1.57
Current: 1.3
0.37
1.57
Earnings Yield (Greenblatt) (%) 4.90
BNCN's Earnings Yield (Greenblatt) (%) is ranked lower than
64% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. BNCN: 4.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BNCN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.2  Med: 3.60 Max: 12.7
Current: 4.9
1.2
12.7
Forward Rate of Return (Yacktman) (%) 12.40
BNCN's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. BNCN: 12.40 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BNCN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 3.5  Med: 18.70 Max: 43.7
Current: 12.4
3.5
43.7

Analyst Estimate

Dec15 Dec16 Dec17
EPS($) 1.47 1.75 1.88
EPS without NRI($) 1.47 1.75 1.88

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
BNC Bancorp was formed in 2002 to serve as a one-bank holding company for Bank of North Carolina, BNC. BNC is a full service commercial bank, incorporated under the laws of the State of North Carolina on November 15, 1991. The Bank is a full service commercial bank. It is engaged in the business of attracting deposits from the general public and using such deposits, together with other funding from its lines of credit, to make mainly consumer and commercial loans. Specifically, the Bank makes business loans secured by real estate, personal property and accounts receivable; unsecured business loans; consumer loans, which are secured by consumer products, such as automobiles and boats; unsecured consumer loans; commercial real estate loans; and other loans. It also offers a range of banking services, including checking and savings accounts, commercial, installment and personal loans, safe deposit boxes, and other associated services. Deposits are the main source of the Bank's funds for lending and other investment purposes. The Bank attracts both short-term and long-term deposits from the general public locally and out-of-state by offering a number of accounts and rates. It offers statement savings accounts, negotiable order of withdrawal accounts, money market demand accounts, noninterest-bearing accounts, and fixed interest rate certificates with varying maturities. Its operations are managed along two operating segments consisting of banking operations and mortgage origination. The purpose of the mortgage origination operating segment is the origination and subsequent sale of residential mortgage loans, while all other banking activities are performed in the banking operations segment. BNC is also subject to certain regulations of the Federal Reserve governing the reserves to be maintained against deposits and other matters.
» More Articles for BNCN

Headlines

Articles On GuruFocus.com
BNC Bancorp Reports Operating Results (10-K) Mar 15 2011 
BNC Bancorp (BNCN) EVP/COO Richard D Ii Callicutt sells 2,000 Shares Feb 08 2011 
BNC Bancorp (BNCN) EVP/COO Richard D Ii Callicutt sells 3,000 Shares Feb 04 2011 
BNC Bancorp (BNCN) EVP/COO Richard D Ii Callicutt sells 3,700 Shares Dec 20 2010 
BNC Bancorp (BNCN) EVP/COO Richard D Ii Callicutt sells 6,000 Shares Dec 14 2010 
BNC Bancorp Reports Operating Results (10-Q) Nov 15 2010 
BNC Bancorp Reports Operating Results (10-Q) Aug 13 2010 
BNC Bancorp Reports Operating Results (10-Q) May 14 2010 
BNC Bancorp Reports Operating Results (10-Q) Nov 02 2009 
BNC Bancorp Reports Operating Results (10-Q) Aug 12 2009 

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