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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 0.33
BNCN's Cash to Debt is ranked higher than
59% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. BNCN: 0.33 )
BNCN' s 10-Year Cash to Debt Range
Min: 0.1   Max: 1.94
Current: 0.33

0.1
1.94
Equity to Asset 0.10
BNCN's Equity to Asset is ranked higher than
72% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BNCN: 0.10 )
BNCN' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.1
Current: 0.1

0.06
0.1
Interest Coverage 2.00
BNCN's Interest Coverage is ranked higher than
75% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. BNCN: 2.00 )
BNCN' s 10-Year Interest Coverage Range
Min: 0.12   Max: 2
Current: 2

0.12
2
F-Score: 4
Z-Score: 0.21
WACC vs ROIC
7.92%
6.61%
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 (%) 25.33
BNCN's Operating margin (%) is ranked higher than
65% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. BNCN: 25.33 )
BNCN' s 10-Year Operating margin (%) Range
Min: -322.5   Max: 31.15
Current: 25.33

-322.5
31.15
Net-margin (%) 18.43
BNCN's Net-margin (%) is ranked higher than
66% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. BNCN: 18.43 )
BNCN' s 10-Year Net-margin (%) Range
Min: 7.6   Max: 126.25
Current: 18.43

7.6
126.25
ROE (%) 9.16
BNCN's ROE (%) is ranked higher than
76% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. BNCN: 9.16 )
BNCN' s 10-Year ROE (%) Range
Min: 3.85   Max: 14.5
Current: 9.16

3.85
14.5
ROA (%) 0.84
BNCN's ROA (%) is ranked higher than
72% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BNCN: 0.84 )
BNCN' s 10-Year ROA (%) Range
Min: 0.3   Max: 1.01
Current: 0.84

0.3
1.01
ROC (Joel Greenblatt) (%) 48.77
BNCN's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. BNCN: 48.77 )
BNCN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.31   Max: 106.1
Current: 48.77

3.31
106.1
Revenue Growth (3Y)(%) -12.50
BNCN's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. BNCN: -12.50 )
BNCN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 120
Current: -12.5

0
120
EBITDA Growth (3Y)(%) 14.90
BNCN's EBITDA Growth (3Y)(%) is ranked higher than
84% of the 1809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. BNCN: 14.90 )
BNCN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 16.2
Current: 14.9

0
16.2
EPS Growth (3Y)(%) 34.00
BNCN's EPS Growth (3Y)(%) is ranked higher than
92% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. BNCN: 34.00 )
BNCN' s 10-Year EPS Growth (3Y)(%) Range
Min: -17.5   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

Q1 2014

BNCN Guru Trades in Q1 2014

Jim Simons 34,411 sh (+143.27%)
Bernard Horn 121,920 sh (unchged)
» More
Q2 2014

BNCN Guru Trades in Q2 2014

Jim Simons 68,149 sh (+98.04%)
Bernard Horn 121,920 sh (unchged)
» More
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
» 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) 18.70
BNCN's P/E(ttm) is ranked higher than
67% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. BNCN: 18.70 )
BNCN' s 10-Year P/E(ttm) Range
Min: 5.07   Max: 28.62
Current: 18.7

5.07
28.62
Forward P/E 11.53
BNCN's Forward P/E is ranked higher than
82% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCN: 11.53 )
N/A
PE(NRI) 18.60
BNCN's PE(NRI) is ranked higher than
72% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. BNCN: 18.60 )
BNCN' s 10-Year PE(NRI) Range
Min: 5.08   Max: 28.57
Current: 18.6

5.08
28.57
P/B 1.54
BNCN's P/B is ranked higher than
66% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. BNCN: 1.54 )
BNCN' s 10-Year P/B Range
Min: 0.45   Max: 2.62
Current: 1.54

0.45
2.62
P/S 3.36
BNCN's P/S is ranked higher than
63% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. BNCN: 3.36 )
BNCN' s 10-Year P/S Range
Min: 0.74   Max: 6.1
Current: 3.36

0.74
6.1
PFCF 37.62
BNCN's PFCF is ranked higher than
69% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCN: 37.62 )
BNCN' s 10-Year PFCF Range
Min: 1.72   Max: 73.64
Current: 37.62

1.72
73.64
POCF 20.45
BNCN's POCF is ranked higher than
74% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. BNCN: 20.45 )
BNCN' s 10-Year POCF Range
Min: 1.4   Max: 134.08
Current: 20.45

1.4
134.08
EV-to-EBIT 19.91
BNCN's EV-to-EBIT is ranked higher than
71% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. BNCN: 19.91 )
BNCN' s 10-Year EV-to-EBIT Range
Min: -44.3   Max: 81.1
Current: 19.91

-44.3
81.1
Shiller P/E 26.70
BNCN's Shiller P/E is ranked higher than
79% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCN: 26.70 )
BNCN' s 10-Year Shiller P/E Range
Min: 6.41   Max: 29.3
Current: 26.7

6.41
29.3
Days Sales Outstanding 30.84
BNCN's Days Sales Outstanding is ranked higher than
88% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCN: 30.84 )
BNCN' s 10-Year Days Sales Outstanding Range
Min: 32.45   Max: 68.73
Current: 30.84

32.45
68.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
BNCN's Dividend Yield is ranked lower than
81% of the 2176 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. BNCN: 1.10 )
BNCN' s 10-Year Dividend Yield Range
Min: 0.66   Max: 3.64
Current: 1.1

0.66
3.64
Dividend Payout 0.20
BNCN's Dividend Payout is ranked higher than
89% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. BNCN: 0.20 )
BNCN' s 10-Year Dividend Payout Range
Min: 0.12   Max: 0.44
Current: 0.2

0.12
0.44
Yield on cost (5-Year) 1.10
BNCN's Yield on cost (5-Year) is ranked lower than
80% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. BNCN: 1.10 )
BNCN' s 10-Year Yield on cost (5-Year) Range
Min: 0.66   Max: 3.64
Current: 1.1

0.66
3.64
Share Buyback Rate -38.80
BNCN's Share Buyback Rate is ranked lower than
51% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. BNCN: -38.80 )
BNCN' s 10-Year Share Buyback Rate Range
Min: -3.6   Max: -42
Current: -38.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.54
BNCN's Price/Tangible Book is ranked higher than
66% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. BNCN: 1.54 )
BNCN' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 2.75
Current: 1.54

0.7
2.75
Price/DCF (Projected) 0.92
BNCN's Price/DCF (Projected) is ranked higher than
83% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BNCN: 0.92 )
BNCN' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 1.1
Current: 0.92

0.32
1.1
Price/Median PS Value 1.20
BNCN's Price/Median PS Value is ranked higher than
74% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. BNCN: 1.20 )
BNCN' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 5.15
Current: 1.2

0.31
5.15
Price/Graham Number 1.24
BNCN's Price/Graham Number is ranked higher than
71% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BNCN: 1.24 )
BNCN' s 10-Year Price/Graham Number Range
Min: 0.46   Max: 1.55
Current: 1.24

0.46
1.55
Earnings Yield (Greenblatt) 5.00
BNCN's Earnings Yield (Greenblatt) is ranked higher than
60% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BNCN: 5.00 )
BNCN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 12.7
Current: 5

1.2
12.7
Forward Rate of Return (Yacktman) 15.36
BNCN's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. BNCN: 15.36 )
BNCN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3   Max: 42.1
Current: 15.36

3
42.1

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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