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BNCC (BNCCORP) Cyclically Adjusted Price-to-FCF : 3.43 (As of May. 25, 2025)


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What is BNCCORP Cyclically Adjusted Price-to-FCF?

As of today (2025-05-25), BNCCORP's current share price is $28.94. BNCCORP's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was $8.44. BNCCORP's Cyclically Adjusted Price-to-FCF for today is 3.43.

The historical rank and industry rank for BNCCORP's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

BNCC' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 2.24   Med: 3.59   Max: 18.85
Current: 3.43

During the past years, BNCCORP's highest Cyclically Adjusted Price-to-FCF was 18.85. The lowest was 2.24. And the median was 3.59.

BNCC's Cyclically Adjusted Price-to-FCF is ranked better than
81.01% of 890 companies
in the Banks industry
Industry Median: 8.67 vs BNCC: 3.43

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

BNCCORP's adjusted free cash flow per share data for the three months ended in Mar. 2025 was $0.578. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $8.44 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


BNCCORP Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for BNCCORP's Cyclically Adjusted Price-to-FCF 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.

* Premium members only.

BNCCORP Cyclically Adjusted Price-to-FCF Chart

BNCCORP Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.33 17.41 5.14 2.90 3.38

BNCCORP Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Mar25
Cyclically Adjusted Price-to-FCF 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 3.38 2.78 2.76 3.16 3.79

Competitive Comparison of BNCCORP's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, BNCCORP's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


BNCCORP's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BNCCORP's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where BNCCORP's Cyclically Adjusted Price-to-FCF falls into.


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BNCCORP Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

BNCCORP's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=28.94/8.44
=3.43

* 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's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, BNCCORP's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=0.578/134.9266*134.9266
=0.578

Current CPI (Mar. 2025) = 134.9266.

BNCCORP Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201503 -7.127 99.621 -9.653
201506 8.418 100.684 11.281
201509 4.321 100.392 5.807
201512 0.140 99.792 0.189
201603 -1.967 100.470 -2.642
201606 2.061 101.688 2.735
201609 -0.466 101.861 -0.617
201612 6.827 101.863 9.043
201703 5.544 102.862 7.272
201706 -1.788 103.349 -2.334
201709 2.894 104.136 3.750
201712 -0.525 104.011 -0.681
201803 4.015 105.290 5.145
201806 0.559 106.317 0.709
201809 0.424 106.507 0.537
201812 3.354 105.998 4.269
201903 -3.952 107.251 -4.972
201906 -3.180 108.070 -3.970
201909 -23.583 108.329 -29.373
201912 4.521 108.420 5.626
202003 -12.068 108.902 -14.952
202006 0.698 108.767 0.866
202009 -6.196 109.815 -7.613
202012 1.980 109.897 2.431
202103 24.897 111.754 30.059
202106 21.374 114.631 25.158
202109 2.500 115.734 2.915
202112 9.421 117.630 10.806
202203 5.233 121.301 5.821
202206 0.735 125.017 0.793
202209 3.919 125.227 4.223
202212 5.865 125.222 6.320
202303 -0.482 127.348 -0.511
202306 -6.943 128.729 -7.277
202309 19.335 129.860 20.089
202312 0.955 129.419 0.996
202403 0.456 131.776 0.467
202406 0.389 132.554 0.396
202409 0.659 133.029 0.668
202503 0.578 134.927 0.578

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


BNCCORP  (OTCPK:BNCC) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


BNCCORP Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of BNCCORP's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


BNCCORP Business Description

Industry
Traded in Other Exchanges
N/A
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.
Executives
Bradley D Bonga director C/O BNCCORP, INC, 322 EAST MAIN STREET, BISMARCK ND 58501
Jerry R Woodcox director
Stephen H Roman director 322 EAST MAIN AVENUE, BISMARCK ND 58501
Timothy J Franz officer: Chief Financial Officer 322 EAST MAIN AVENUE, BISMARCK ND 58501
Johnsen Richard M Jr director
Gaylen A Ghylin director 322 EAST MAIN AVENUE, BISMARCK ND 58501
E Thomas Welch director, officer: Pres-BNC Natl Bank-Minnesota 11925 ST. ALBANS HOLLOW DRIVE, MINNETONKA MN 55305
Mark W Sheffert director 4700 IDS CENTER, 80 SOUTH 8TH STREET, MINNEAPOLIS MN 55402
Mark E Peiler officer: Chief Investment Officer
Dave Hoekstra officer: Chief Credit Officer 322 EAST MAIN AVENUE, BISMARCK ND 58501
Shawn Cleveland Goll officer: Chief Operating Officer
Neil M Brozen officer: SVP Trust & Financial Services 322 EAST MAIN AVENUE, BISMARCK ND 58501
Mark A Litton officer: Chief Credit Officer 322 EAST MAIN AVENUE, BISMARCK ND 58501
Jerry D Renk officer: President - North Dakota 322 EAST MAIN AVENUE, BISMARCK ND 58501
David A Zelinsky officer: President - Minnesota 322 EAST MAIN AVENUE, BISMARCK ND 58501