BNCCORP (BNCCORP) Debt-to-Equity : 0.15 (As of Dec. 2023)

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What is BNCCORP Debt-to-Equity?

BNCCORP's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.42 Mil. BNCCORP's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $16.09 Mil. BNCCORP's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $108.42 Mil. BNCCORP's debt to equity for the quarter that ended in Dec. 2023 was 0.15.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for BNCCORP's Debt-to-Equity or its related term are showing as below:

BNCC' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15 Med: 0.32 Max: 0.85
Current: 0.15

During the past 13 years, the highest Debt-to-Equity Ratio of BNCCORP was 0.85. The lowest was 0.15. And the median was 0.32.

BNCC's Debt-to-Equity is ranked better than
86.51% of 1394 companies
in the Banks industry
Industry Median: 0.695 vs BNCC: 0.15

BNCCORP Debt-to-Equity Historical Data

The historical data trend for BNCCORP's Debt-to-Equity 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 Debt-to-Equity Chart

BNCCORP Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

Get a 7-Day Free Trial

0.36

0.41

0.15

0.17

0.15

BNCCORP Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial															0.17	0.16	0.16	0.16	0.15

Competitive Comparison of BNCCORP's Debt-to-Equity

For the Banks - Regional subindustry, BNCCORP's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BNCCORP's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where BNCCORP's Debt-to-Equity falls into.

BNCCORP Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

BNCCORP's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0.418	+	16.094)	/	108.418
	=	0.15

BNCCORP's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0.418	+	16.094)	/	108.418
	=	0.15

BNCCORP (OTCPK:BNCC) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

BNCCORP Debt-to-Equity Related Terms

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

BNCCORP (BNCCORP) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » BNCCORP Inc (OTCPK:BNCC) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

322 East Main Avenue, P.O. Box 4050, Bismarck, ND, USA, 58501

Website

http://www.bnccorp.com

BNCCORP Inc is a bank holding company. The company operates in three segments: Community Banking, Mortgage Banking, and Holding company. It generates the majority of its revenue from the Community banking segment, which provides business & personal loans, commercial real estate loans, SBA loans, business & 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