BNCCORP (BNCC) AI Stock Analysis

• Market Cap: $107.96M
• Dividend Yield: N/A
• Average Volume (3M): 984.00
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.24
• Revenue Growth: 6.59%
• EPS Growth: 13.49%
• Country: US
• Employees: 138
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.74
• Shares Outstanding: 3,477,000
• 10 Day Avg. Volume: 1,201
• 30 Day Avg. Volume: 984
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.08
• Enterprise Value/Revenue: 0.19
• Enterprise Value/Gross Profit: 0.22
• Enterprise Value/Ebitda: 1.01
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Neutral
• Price Target: $32.00 ▲(4.92% Upside)

BNCCORP's overall stock score reflects a stable financial position with strong cost management and cash generation capabilities. The technical analysis indicates a neutral to slightly positive outlook, supported by a reasonable valuation. The absence of earnings call data and corporate events means these factors do not influence the score. The company demonstrates resilience but needs to address profitability pressures to improve its financial performance.

BNCCORP Business Overview & Revenue Model

Company Description

BNCCORP (BNCC) is a financial services company that primarily operates in the banking and investment sectors. The company focuses on providing a range of financial products and services, including commercial and consumer banking, investment management, and advisory services. BNCCORP aims to serve both individual and business clients, delivering tailored financial solutions to meet their specific needs.

How the Company Makes Money

BNCCORP generates revenue through several key streams. The primary source of income comes from interest on loans issued to customers, which includes both commercial and consumer loans. Additionally, the company earns fees from various financial services, such as asset management and advisory services, which contribute to its overall revenue. Another significant revenue stream is derived from investment income, including returns on securities held in the company's investment portfolio. Partnerships with other financial institutions and service providers can also enhance BNCCORP's offerings and client reach, further bolstering its revenue potential.

BNCCORP Financial Statement Overview

Summary

BNCC maintains a solid financial position with a strong gross profit margin and low leverage, but faces challenges with declining revenue and equity ratio. The company demonstrates efficient capital utilization with a strong return on equity and robust cash flow management, which provides liquidity and reduces financial risk.

Income Statement

BNCC has seen a decline in total revenue over recent years, with a significant drop from 2020 to the TTM period. The current TTM gross profit margin is strong at approximately 90.2%, and the net profit margin is healthy at 17.96%. However, the revenue growth rate shows a decline of 11.9% from the previous annual period to the TTM period. The EBIT margin stands at 24.7%, indicating profitability in operations, but the EBITDA margin decreased to 19.2%, suggesting rising depreciation and amortization costs. Overall, the company maintains profitability but faces revenue headwinds.

Balance Sheet

The balance sheet reflects a conservative financial structure with a low debt-to-equity ratio at 0.17, indicating low leverage risk. The equity ratio is 10.1%, which is stable for a regional bank, though it has decreased over time. BNCC's return on equity is strong at 8.17%, showcasing effective utilization of shareholder capital. The cash position remains strong, which provides liquidity and reduces financial risk. Stability in equity and low leverage are key strengths, but declining equity ratio and revenue pose potential risks.

Cash Flow

BNCC has a robust free cash flow generation with a TTM free cash flow of $8.72 million, a slight increase from the previous period. The operating cash flow to net income ratio stands at 1.21, demonstrating efficient cash conversion. Additionally, the free cash flow to net income ratio is 1.10, indicating solid cash flow coverage. Despite past fluctuations, cash flow management appears strong, ensuring the ability to reinvest and service obligations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	44.28M	36.29M	41.50M	50.09M	76.00M	118.26M
Gross Profit	39.92M	36.29M	41.35M	50.09M	76.00M	118.26M
EBITDA	8.51M	10.26M	8.98M	10.35M	29.98M	59.89M
Net Income	7.95M	7.93M	5.71M	6.50M	21.95M	44.61M
Balance Sheet
Total Assets	966.58M	966.68M	968.21M	943.32M	1.05B	1.07B
Cash, Cash Equivalents and Short-Term Investments	230.68M	100.81M	102.45M	248.84M	397.04M	196.16M
Total Debt	16.06M	15.46M	16.51M	16.66M	17.30M	48.52M
Total Liabilities	869.26M	873.01M	859.79M	842.98M	932.39M	955.90M
Stockholders Equity	97.32M	93.67M	108.42M	100.35M	114.99M	118.23M
Cash Flow
Free Cash Flow	8.72M	8.31M	46.08M	56.30M	207.82M	-55.61M
Operating Cash Flow	9.63M	9.36M	46.61M	56.82M	208.68M	-55.22M
Investing Cash Flow	-8.81M	-1.99M	-35.74M	-77.53M	958.00K	8.81M
Financing Cash Flow	28.43M	-9.01M	17.62M	-93.39M	-34.02M	48.33M

BNCCORP Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BNCC, the sentiment is Positive. The current price of 30.5 is below the 20-day moving average (MA) of 30.65, below the 50-day MA of 30.67, and above the 200-day MA of 29.67, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 61.41 is Neutral, neither overbought nor oversold. The STOCH value of 90.07 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BNCC.

BNCCORP Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BNCC	70 Neutral	$107.96M	12.44	8.36%	―	6.59%	13.49%
PROV	69 Neutral	$101.22M	17.13	4.68%	3.53%	0.99%	-16.23%
MGYR	69 Neutral	$108.50M	10.78	8.51%	1.70%	12.08%	29.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LSBK	65 Neutral	$109.06M	15.78	5.94%	2.21%	2.48%	66.28%
RVSB	61 Neutral	$111.03M	23.92	2.90%	1.51%	8.77%	369.81%
UNB	56 Neutral	$104.59M	10.99	―	6.32%	14.58%	7.73%