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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 0.50
BNCN's Cash to Debt is ranked lower than
71% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. BNCN: 0.50 )
Ranked among companies with meaningful Cash to Debt only.
BNCN' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.34 Max: N/A
Current: 0.5
Equity to Asset 0.11
BNCN's Equity to Asset is ranked higher than
61% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BNCN: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
BNCN' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.11
Current: 0.11
0.05
0.11
Interest Coverage 2.49
BNCN's Interest Coverage is ranked higher than
62% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. BNCN: 2.49 )
Ranked among companies with meaningful Interest Coverage only.
BNCN' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.26 Max: 2.37
Current: 2.49
0.12
2.37
F-Score: 3
M-Score: -2.09
WACC vs ROIC
8.68%
7.57%
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 (%) 33.21
BNCN's Operating margin (%) is ranked higher than
55% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. BNCN: 33.21 )
Ranked among companies with meaningful Operating margin (%) only.
BNCN' s Operating margin (%) Range Over the Past 10 Years
Min: 5.64  Med: 13.80 Max: 30.94
Current: 33.21
5.64
30.94
Net-margin (%) 23.17
BNCN's Net-margin (%) is ranked higher than
52% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. BNCN: 23.17 )
Ranked among companies with meaningful Net-margin (%) only.
BNCN' s Net-margin (%) Range Over the Past 10 Years
Min: 7.6  Med: 12.52 Max: 21.76
Current: 23.17
7.6
21.76
ROE (%) 9.94
BNCN's ROE (%) is ranked higher than
62% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. BNCN: 9.94 )
Ranked among companies with meaningful ROE (%) only.
BNCN' s ROE (%) Range Over the Past 10 Years
Min: 2.86  Med: 5.10 Max: 11.68
Current: 9.94
2.86
11.68
ROA (%) 1.00
BNCN's ROA (%) is ranked higher than
59% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. BNCN: 1.00 )
Ranked among companies with meaningful ROA (%) only.
BNCN' s ROA (%) Range Over the Past 10 Years
Min: 0.3  Med: 0.48 Max: 0.91
Current: 1
0.3
0.91
Revenue Growth (3Y)(%) -4.10
BNCN's Revenue Growth (3Y)(%) is ranked lower than
77% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. BNCN: -4.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BNCN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.8  Med: 16.30 Max: 120.7
Current: -4.1
-19.8
120.7
EBITDA Growth (3Y)(%) 31.50
BNCN's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. BNCN: 31.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BNCN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.6  Med: 4.50 Max: 31.5
Current: 31.5
-15.6
31.5
EPS Growth (3Y)(%) 39.60
BNCN's EPS Growth (3Y)(%) is ranked higher than
89% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BNCN: 39.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BNCN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.4  Med: 11.90 Max: 39.6
Current: 39.6
-17.4
39.6
» BNCN's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-22)


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

» Details

Guru Trades

Q2 2015

BNCN Guru Trades in Q2 2015

Jim Simons 283,817 sh (+74.99%)
Bernard Horn 121,920 sh (unchged)
» More
Q3 2015

BNCN Guru Trades in Q3 2015

Jim Simons 297,416 sh (+4.79%)
Bernard Horn 121,920 sh (unchged)
» More
Q4 2015

BNCN Guru Trades in Q4 2015

Ken Fisher 64,206 sh (New)
Jim Simons 332,491 sh (+11.79%)
Bernard Horn 121,920 sh (unchged)
» More
Q1 2016

BNCN Guru Trades in Q1 2016

Jim Simons 349,900 sh (+5.24%)
Bernard Horn 121,920 sh (unchged)
Ken Fisher 64,206 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BBCN, NAS:FIBK, NAS:LTXB, NAS:WSBC, NAS:NBTB, NAS:OPB » details
BNC Bancorp is a holding company for Bank of North Carolina, which provides commercial banking products and services to individuals and small to medium-sized local businesses.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 18.00
BNCN's P/E(ttm) is ranked lower than
73% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. BNCN: 18.00 )
Ranked among companies with meaningful P/E(ttm) only.
BNCN' s P/E(ttm) Range Over the Past 10 Years
Min: 5.07  Med: 16.48 Max: 28.62
Current: 18
5.07
28.62
Forward P/E 12.53
BNCN's Forward P/E is ranked lower than
55% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.51 vs. BNCN: 12.53 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.00
BNCN's PE(NRI) is ranked lower than
73% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. BNCN: 18.00 )
Ranked among companies with meaningful PE(NRI) only.
BNCN' s PE(NRI) Range Over the Past 10 Years
Min: 5.08  Med: 16.46 Max: 28.57
Current: 18
5.08
28.57
Price/Owner Earnings (ttm) 19.69
BNCN's Price/Owner Earnings (ttm) is ranked lower than
79% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. BNCN: 19.69 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BNCN' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.34  Med: 15.70 Max: 381.89
Current: 19.69
2.34
381.89
P/B 1.59
BNCN's P/B is ranked lower than
80% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. BNCN: 1.59 )
Ranked among companies with meaningful P/B only.
BNCN' s P/B Range Over the Past 10 Years
Min: 0.45  Med: 1.31 Max: 2.63
Current: 1.59
0.45
2.63
P/S 4.05
BNCN's P/S is ranked lower than
70% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. BNCN: 4.05 )
Ranked among companies with meaningful P/S only.
BNCN' s P/S Range Over the Past 10 Years
Min: 0.72  Med: 2.72 Max: 5.45
Current: 4.05
0.72
5.45
PFCF 23.11
BNCN's PFCF is ranked lower than
85% of the 907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.99 vs. BNCN: 23.11 )
Ranked among companies with meaningful PFCF only.
BNCN' s PFCF Range Over the Past 10 Years
Min: 1.82  Med: 20.51 Max: 109.57
Current: 23.11
1.82
109.57
POCF 227.98
BNCN's POCF is ranked lower than
99% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.81 vs. BNCN: 227.98 )
Ranked among companies with meaningful POCF only.
BNCN' s POCF Range Over the Past 10 Years
Min: 1.51  Med: 12.94 Max: 363.13
Current: 227.98
1.51
363.13
EV-to-EBIT 15.41
BNCN's EV-to-EBIT is ranked lower than
59% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. BNCN: 15.41 )
Ranked among companies with meaningful EV-to-EBIT only.
BNCN' s EV-to-EBIT Range Over the Past 10 Years
Min: -44.3  Med: 25.10 Max: 81.2
Current: 15.41
-44.3
81.2
EV-to-EBITDA 15.26
BNCN's EV-to-EBITDA is ranked lower than
63% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. BNCN: 15.26 )
Ranked among companies with meaningful EV-to-EBITDA only.
BNCN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -120.3  Med: 21.90 Max: 58.1
Current: 15.26
-120.3
58.1
PEG 1.24
BNCN's PEG is ranked lower than
54% of the 746 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BNCN: 1.24 )
Ranked among companies with meaningful PEG only.
BNCN' s PEG Range Over the Past 10 Years
Min: 0.37  Med: 1.41 Max: 4.63
Current: 1.24
0.37
4.63
Shiller P/E 26.72
BNCN's Shiller P/E is ranked lower than
78% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. BNCN: 26.72 )
Ranked among companies with meaningful Shiller P/E only.
BNCN' s Shiller P/E Range Over the Past 10 Years
Min: 8.24  Med: 19.45 Max: 29.57
Current: 26.72
8.24
29.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.84
BNCN's Dividend Yield is ranked lower than
92% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. BNCN: 0.84 )
Ranked among companies with meaningful Dividend Yield only.
BNCN' s Dividend Yield Range Over the Past 10 Years
Min: 0.66  Med: 1.26 Max: 3.64
Current: 0.84
0.66
3.64
Dividend Payout 0.15
BNCN's Dividend Payout is ranked higher than
86% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. BNCN: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
BNCN' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.34 Max: 5
Current: 0.15
0.04
5
Forward Dividend Yield 0.84
BNCN's Forward Dividend Yield is ranked lower than
94% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. BNCN: 0.84 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.84
BNCN's Yield on cost (5-Year) is ranked lower than
90% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. BNCN: 0.84 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BNCN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.66  Med: 1.26 Max: 3.64
Current: 0.84
0.66
3.64
3-Year Average Share Buyback Ratio -18.30
BNCN's 3-Year Average Share Buyback Ratio is ranked lower than
87% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BNCN: -18.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BNCN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -53  Med: -8.20 Max: 0.5
Current: -18.3
-53
0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.14
BNCN's Price/Tangible Book is ranked lower than
85% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BNCN: 2.14 )
Ranked among companies with meaningful Price/Tangible Book only.
BNCN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.7  Med: 1.83 Max: 2.75
Current: 2.14
0.7
2.75
Price/Projected FCF 1.29
BNCN's Price/Projected FCF is ranked lower than
89% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. BNCN: 1.29 )
Ranked among companies with meaningful Price/Projected FCF only.
BNCN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.31  Med: 0.74 Max: 1.31
Current: 1.29
0.31
1.31
Price/Median PS Value 1.48
BNCN's Price/Median PS Value is ranked lower than
88% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BNCN: 1.48 )
Ranked among companies with meaningful Price/Median PS Value only.
BNCN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.29  Med: 1.25 Max: 5.29
Current: 1.48
0.29
5.29
Price/Peter Lynch Fair Value 4.26
BNCN's Price/Peter Lynch Fair Value is ranked lower than
99.99% of the 441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. BNCN: 4.26 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BNCN' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.49  Med: 0.78 Max: 2.83
Current: 4.26
0.49
2.83
Price/Graham Number 1.31
BNCN's Price/Graham Number is ranked lower than
82% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. BNCN: 1.31 )
Ranked among companies with meaningful Price/Graham Number only.
BNCN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.5  Med: 1.19 Max: 1.58
Current: 1.31
0.5
1.58
Earnings Yield (Greenblatt) (%) 6.54
BNCN's Earnings Yield (Greenblatt) (%) is ranked lower than
53% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. BNCN: 6.54 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BNCN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.2  Med: 3.90 Max: 12.7
Current: 6.54
1.2
12.7
Forward Rate of Return (Yacktman) (%) 10.89
BNCN's Forward Rate of Return (Yacktman) (%) is ranked lower than
55% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. BNCN: 10.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BNCN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.6  Med: 15.60 Max: 49.7
Current: 10.89
-3.6
49.7

More Statistics

Revenue (TTM) (Mil) $216.3
EPS (TTM) $ 1.32
Beta0.98
Short Percentage of Float5.05%
52-Week Range $18.20 - 26.29
Shares Outstanding (Mil)40.84

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 254 295 318
EPS ($) 1.55 1.90 2.10
EPS without NRI ($) 1.55 1.90 2.10
EPS Growth Rate
(3Y to 5Y Estimate)
11.10%
» 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 

More From Other Websites
BNC BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 23 2016
BNC BANCORP Financials May 18 2016
BNC BANCORP Files SEC form 10-Q, Quarterly Report May 10 2016
BNC Bancorp upgraded by Raymond James May 09 2016
BNC BANCORP Files SEC form 8-K, Termination of a Material Definitive Agreement, Financial Statements... May 05 2016
BNC Bancorp Announces Early Termination of All FDIC Loss Share Agreements May 05 2016
BNC Bancorp Announces Early Termination of All FDIC Loss Share Agreements May 05 2016
BNC BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 02 2016
BNC BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Apr 22 2016
BNC Bancorp Announces Earnings for First Quarter 2016 Apr 22 2016
BNC posts 1Q profit Apr 22 2016
BNC posts 1Q profit Apr 22 2016
BNC Bancorp Announces Earnings for First Quarter 2016 Apr 22 2016
BNC BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 20 2016
BNC Bancorp Announces Cash Dividend Apr 20 2016
BNC Bancorp Announces Cash Dividend Apr 20 2016
[$$] Growth at BNC, Atlantic Capital Apr 15 2016
BNC Bancorp breached its 50 day moving average in a Bullish Manner : BNCN-US : April 14, 2016 Apr 14 2016
BNC BANCORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial Statements and... Mar 25 2016
BNC BANCORP Files SEC form 10-K, Annual Report Feb 29 2016

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