BNCCORP (BNCC) AI Stock Analysis

23 Followers

BNCCORP

(Other OTC:BNCC)

Select Model

Rating:60.5Neutral

Price Target:$34.00▲(11.66% Upside)

Action:reiterated

Date:08/17/26

BNCCORP's overall score of 60.5 reflects a mixed outlook. The company's strong balance sheet and cash flow generation (financial performance score 69) are positive factors, but the stock's weak technicals (score 48) and fair valuation (score 58) temper enthusiasm. The stock is currently in a downtrend and oversold, which may limit near-term upside. Financial stability remains a key strength, while valuation is in line with peers. Investors should monitor revenue trends and potential technical reversal.

Positive Factors

Rebounded revenue and solid profitabilityThe sharp revenue rebound and still-solid profitability provide a stronger earnings base for the next several quarters. Sustained margins would support internal capital generation, although the durability of the rebound must be demonstrated.

Negative Factors

Material margin compressionThe decline from peak net margins indicates that earnings conversion has weakened materially over time. Lower profitability leaves less room to absorb higher funding, credit, personnel or regulatory costs and reduces the upside from revenue growth.

BNCCORP (BNCC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $107.26M
Dividend Yield: ―
Average Volume (3M): 7,998
Price to Earnings (P/E): 11.6
Beta (1Y): 0.13
Revenue Growth: 10.25%
EPS Growth: 4.93%
Country: US
Employees: 126
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

BNCCORP Business Overview & Revenue Model

Company Description

BNCCORP, Inc. functions as the holding company for BNC National Bank, providing a diverse range of financial services. These services cater to both commercial entities and individual consumers, encompassing community banking, retail and mortgage solu...

How the Company Makes Money

BNCCORP primarily makes money through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated by collecting interest on loans and other interest-earning assets (such as commercial and consumer lo...

BNCCORP Financial Statement Overview

Summary

BNCCORP's financial performance is solid, with a strong balance sheet (score 72) and healthy cash flow (70), though the income statement shows some revenue volatility (65). The company maintains low leverage, good cash generation, and moderate profitability.

Income Statement

65Positive

Balance Sheet

72Positive

Cash Flow

70Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	61.14M	57.17M	36.29M	53.28M	52.74M	78.14M
Gross Profit	41.74M	38.26M	36.29M	41.50M	50.24M	76.35M
EBITDA	12.77M	12.89M	10.26M	8.98M	10.35M	30.76M
Net Income	9.28M	8.77M	7.93M	5.71M	6.50M	21.95M
Balance Sheet
Total Assets	1.08B	1.10B	966.68M	968.21M	943.32M	1.05B
Cash, Cash Equivalents and Short-Term Investments	206.93M	295.12M	100.81M	262.23M	248.84M	397.04M
Total Debt	15.91M	16.04M	15.46M	16.51M	17.38M	17.30M
Total Liabilities	971.59M	993.70M	873.01M	859.79M	842.98M	932.39M
Stockholders Equity	111.59M	106.51M	93.67M	108.42M	100.35M	114.99M
Cash Flow
Free Cash Flow	11.72M	12.50M	8.31M	46.08M	56.30M	207.82M
Operating Cash Flow	12.41M	12.83M	9.36M	46.61M	56.82M	208.68M
Investing Cash Flow	12.22M	-22.19M	-1.99M	-35.74M	-77.53M	958.00K
Financing Cash Flow	33.36M	120.00M	-9.01M	17.62M	-93.39M	-34.02M

BNCCORP Technical Analysis

Technical Analysis SentimentNegative

Last Price30.45

Price Trends

50DMA30.68Negative

100DMA32.64Negative

200DMA33.92Negative

Market Momentum

MACD0.02Negative

RSI51.61Neutral

STOCH50.93Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BNCC, the sentiment is Negative. The current price of 30.45 is above the 20-day moving average (MA) of 30.16, below the 50-day MA of 30.68, and below the 200-day MA of 33.92, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 51.61 is Neutral, neither overbought nor oversold. The STOCH value of 50.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BNCC.

BNCCORP Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

BNCC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	79Outperform	$146.34M	16.93	5.85%	1.90%	4.31%	24.65%
MGYR	78Outperform	$142.02M	10.89	10.02%	1.91%	8.91%	30.08%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PROV	65Neutral	$112.75M	18.09	5.18%	3.04%	0.19%	13.85%
UNB	63Neutral	$112.79M	8.67	15.07%	6.32%	6.11%	5.22%
BNCC	61Neutral	$107.92M	11.62	8.49%	―	10.25%	4.93%
RVSB	49Neutral	$131.85M	-46.20	-2.02%	1.20%	-10.03%	-162.70%

* Financial Sector Average

Performance Comparison

BNCC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BNCC	BNCCORP, Inc.	30.45	-0.66	-2.12%
LSBK	Lake Shore Bancorp	18.96	5.01	35.88%
MGYR	Magyar Bancorp	22.00	5.50	33.33%
PROV	Provident Financial Holdings	18.45	3.92	26.97%
RVSB	Riverview	6.68	1.69	33.98%
UNB	Union Bankshares, Inc.	22.80	2.21	10.73%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Aug 17, 2026

BNCCORP AI Stock Analysis