OTCMBNCC
Market cap103mUSD
Feb 18, Last price
29.75USD
1D
-1.00%
1Q
-0.50%
Jan 2017
13.98%
Name
BNCCorp Inc
Chart & Performance
Profile
BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The company offers commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory services. It offers community banking and wealth management services through 11 locations in Arizona and North Dakota; and mortgage banking services through 9 locations in Arizona, North Dakota, Illinois, Kansas, and Michigan. The company was incorporated in 1987 and is headquartered in Bismarck, North Dakota.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
Income | |||||||||
Revenues | 41,499 -17.14% | 50,086 -34.10% | |||||||
Cost of revenue | 8,861 | 26,854 | |||||||
Unusual Expense (Income) | |||||||||
NOPBT | 32,638 | 23,232 | |||||||
NOPBT Margin | 78.65% | 46.38% | |||||||
Operating Taxes | 1,611 | 1,829 | |||||||
Tax Rate | 4.94% | 7.87% | |||||||
NOPAT | 31,027 | 21,403 | |||||||
Net income | 5,705 -12.23% | 6,500 -70.39% | |||||||
Dividends | (6,303) | ||||||||
Dividend yield | 5.93% | ||||||||
Proceeds from repurchase of equity | |||||||||
BB yield | |||||||||
Debt | |||||||||
Debt current | 418 | 718 | |||||||
Long-term debt | 17,142 | 17,602 | |||||||
Deferred revenue | (861) | ||||||||
Other long-term liabilities | 591,455 | (14,912) | |||||||
Net debt | (87,266) | (405,400) | |||||||
Cash flow | |||||||||
Cash from operating activities | 46,610 | 56,823 | |||||||
CAPEX | (531) | (518) | |||||||
Cash from investing activities | (35,743) | (77,528) | |||||||
Cash from financing activities | 17,619 | (93,387) | |||||||
FCF | 31,825 | 21,981 | |||||||
Balance | |||||||||
Cash | 102,454 | 248,844 | |||||||
Long term investments | 2,372 | 174,876 | |||||||
Excess cash | 102,751 | 421,216 | |||||||
Stockholders' equity | 83,374 | 75,569 | |||||||
Invested Capital | 885,249 | 867,609 | |||||||
ROIC | 3.54% | 2.35% | |||||||
ROCE | 3.37% | 2.46% | |||||||
EV | |||||||||
Common stock shares outstanding | 3,580 | 3,575 | |||||||
Price | 28.70 -3.53% | 29.75 -30.39% | |||||||
Market cap | 102,753 -3.38% | 106,352 -30.28% | |||||||
EV | 15,487 | (299,048) | |||||||
EBITDA | 34,298 | 25,251 | |||||||
EV/EBITDA | 0.45 | ||||||||
Interest | 10,968 | 2,655 | |||||||
Interest/NOPBT | 33.61% | 11.43% |