BNCC (BNCCORP) Accounts Receivable: $3.89 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BNCC BNCCORP Inc BNCC
62 GF Score
Price $32.00
GF Value $32.71
Valuation Fairly Valued
! 1 Warning Sign
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What is BNCCORP Accounts Receivable?

BNCCORP BNCC 62 Accounts Receivable is $3.89 Mil as of Jun. 2026. GuruFocus rates BNCC with a GF Score™ of 62/100 and a GF Value™ of $32.71 (Fairly Valued). The stock has 1 warning sign investors should review.

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. BNCCORP's accounts receivables for the quarter that ended in Jun. 2026 was $3.89 Mil.

Accounts receivable can be measured by Days Sales Outstanding. BNCCORP's Days Sales Outstanding for the quarter that ended in Jun. 2026 was 32.45.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. BNCCORP's Net-Net Working Capital per share for the quarter that ended in Jun. 2026 was $-213.89.


BNCCORP Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

BNCCORP's Days Sales Outstanding for the quarter that ended in Jun. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=3.888/10.933*91
=32.45

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), BNCCORP's accounts receivable are only considered to be worth 75% of book value:

BNCCORP's Net-Net Working Capital Per Share for the quarter that ended in Jun. 2026 is calculated as:

Net-Net Working Capital Per Share
=(Cash And Cash Equivalents+0.75 * Accounts Receivable+0.5 * Total Inventories-Total Liabilities
-Preferred Stock-Minority Interest)/Shares Outstanding (EOP)
=(179.551+0.75 * 3.888+0.5 * 0-936.012
-0-0)/3.523
=-213.89

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.


BNCCORP Accounts Receivable Related Terms


BNCCORP Accounts Receivable Historical Data

* Premium members only.

The historical data trend for BNCCORP's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

BNCCORP Accounts Receivable Chart

BNCCORP Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Accounts Receivable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.59 3.31 4.21 4.11 4.40

BNCCORP Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Accounts Receivable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.10 4.44 4.40 4.06 3.89
BNCC
62GF Score
BNCCORP Inc BNCC
Accounts Receivable is just one metric. See GF Score™, valuation, warning signs, and more.
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BNCCORP Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Frequently Asked Questions Learn more about Accounts Receivable →
What does a Accounts Receivable of $3.89 Mil mean?
BNCCORP (BNCC) has a Accounts Receivable of $3.89 Mil as of Jun. 2026. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on BNCCORP and its competitors.
Is BNCCORP's Accounts Receivable too high?
BNCCORP's current Accounts Receivable is $3.89 Mil. Overall, BNCCORP has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BNCCORP's Accounts Receivable compare to PPBN and CCNB?
BNCCORP's Accounts Receivable of $3.89 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on BNCCORP and its competitors. BNCCORP's current Accounts Receivable is $3.89 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNCCORP stock overvalued right now?
Based on GuruFocus' analysis, BNCCORP (BNCC) is currently considered Fairly Valued. The stock's GF Value™ is $32.71, compared to a current price of $32.00 — trading 2.2% below its estimated fair value. The current Accounts Receivable is $3.89 Mil. BNCCORP's overall GF Score™ is 62/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For BNCCORP (BNCC), the current Accounts Receivable is $3.89 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is BNCCORP (BNCC) Overvalued in 2026?

Based on GuruFocus' analysis, BNCCORP stock appears to be undervalued. The current stock price of $32.00 is trading 2.2% below its estimated GF Value™ of $32.71. GuruFocus considers BNCCORP to be Fairly Valued.

Key valuation signals for BNCC:

  • Accounts Receivable: $3.89 Mil
  • GF Value™: $32.71 vs. price of $32.00 (2.2% below fair value)
  • GF Score™: 62/100 with 1 warning sign

No single metric tells the full story. See the BNCC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BNCCORP Business Description

Address 322 East Main Avenue, P.O. Box 4050, Bismarck, ND, USA, 58501
BNCCORP Inc is a bank holding company. The company operates in three segments namely Community Banking, Mortgage Banking, and Holding company. It generates the majority of its revenue from the Community banking segment, which provides business and personal loans, commercial real estate loans, SBA loans, Business and personal checking, saving products, cash management, wealth management, and retirement plan administration.
62GF Score

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Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.00
Price
$32.71
GF Value