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BNCCORP (BNCC) AI Stock Analysis
BNCCORP
(Other OTC:BNCC)
BNCC receives a score of 61, anchored primarily by its strong balance sheet, improving cash flows, and fair valuation multiples. However, this fundamental stability is significantly offset by poor technical momentum, with shares trapped in a strong bearish downtrend, and the absence of a dividend yield to reward shareholders during price underperformance.
BNCCORP (BNCC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $105.33M
- Dividend Yield
- ―
- Average Volume (3M)
- 5,899
- Price to Earnings (P/E)
- 11.4
- Beta (1Y)
- 0.20
- Revenue Growth
- 10.25%
- EPS Growth
- 4.93%
- Country
- US
- Employees
- 132
- 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
BNCC exhibits a stabilizing financial profile driven by a robust balance sheet, minimal leverage, and solid top-line revenue recovery. However, softening net profit margins and a moderate ROE temper the overall financial strength.
Income Statement
68PositiveBalance Sheet
75PositiveCash Flow
72Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.16M | 57.17M | 36.29M | 53.28M | 52.74M | 78.14M |
| Gross Profit | 40.52M | 38.26M | 36.29M | 41.50M | 50.24M | 76.35M |
| EBITDA | 12.65M | 12.89M | 10.26M | 8.98M | 10.35M | 30.76M |
| Net Income | 8.89M | 8.77M | 7.93M | 5.71M | 6.50M | 21.95M |
Balance Sheet | ||||||
| Total Assets | 1.05B | 1.10B | 966.68M | 968.21M | 943.32M | 1.05B |
| Cash, Cash Equivalents and Short-Term Investments | 173.60M | 295.12M | 100.81M | 262.23M | 248.84M | 397.04M |
| Total Debt | 16.01M | 16.04M | 15.46M | 16.51M | 17.38M | 17.30M |
| Total Liabilities | 936.01M | 993.70M | 873.01M | 859.79M | 842.98M | 932.39M |
| Stockholders Equity | 110.48M | 106.51M | 93.67M | 108.42M | 100.35M | 114.99M |
Cash Flow | ||||||
| Free Cash Flow | 14.41M | 12.50M | 8.31M | 46.08M | 56.30M | 207.82M |
| Operating Cash Flow | 15.25M | 12.83M | 9.36M | 46.61M | 56.82M | 208.68M |
| Investing Cash Flow | 24.26M | -22.19M | -1.99M | -35.74M | -77.53M | 958.00K |
| Financing Cash Flow | 90.84M | 120.00M | -9.01M | 17.62M | -93.39M | -34.02M |
BNCCORP Technical Analysis
Price Trends
Market Momentum
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 30.11 is above the 20-day moving average (MA) of 29.91, below the 50-day MA of 30.92, and below the 200-day MA of 34.13, indicating a bearish trend. The MACD of -0.31 indicates Negative momentum. The RSI at 39.67 is Neutral, neither overbought nor oversold. The STOCH value of 52.69 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
MGYR78Outperform
LSBK75Outperform
UNB63Neutral- BNCC61Neutral
PROV60Neutral
RVSB51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| MGYR | 78Outperform | $143.96M | 11.17 | 10.23% | 1.68% | 8.91% | 30.08% |
| LSBK | 75Outperform | $145.41M | 16.74 | 7.78% | 1.92% | 4.31% | 24.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| UNB | 63Neutral | $112.91M | 8.58 | 15.07% | 6.38% | 3.17% | 5.55% |
| BNCC | 61Neutral | $105.97M | 11.42 | 8.49% | ― | 10.25% | 4.93% |
| PROV | 60Neutral | $112.61M | 17.81 | 5.18% | 3.08% | 0.19% | 13.84% |
| RVSB | 51Neutral | $119.92M | -42.05 | -2.02% | 1.32% | -10.03% | -162.70% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BNCC | BNCCORP, Inc. | 29.91 | -1.14 | -3.67% | |
| LSBK | Lake Shore Bancorp | 18.75 | 4.90 | 35.41% | |
| MGYR | Magyar Bancorp | 22.56 | 6.10 | 37.03% | |
| PROV | Provident Financial Holdings | 18.17 | 3.29 | 22.13% | |
| RVSB | Riverview | 6.08 | 0.86 | 16.43% | |
| UNB | Union Bankshares, Inc. | 22.57 | 0.91 | 4.20% |
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