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BNCCORP, Inc. (BNCC)

USD36.07 +0.27 (+0.76%)
US OTC Financial Services Banks - Regional
Address 322 East Main Avenue 58501
Bismarck, ND, US
CEO Daniel J. Collins
IPO 1995-07-13
ISIN US0559361086

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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 solutions, and comprehensive wealth management. Specifically for small to mid-market businesses, the company extends various commercial banking offerings. These include essential business financing, specialized commercial real estate and Small Business Administration (SBA) loans, robust business checking and cash management solutions, corporate credit cards, and vital merchant services. For individual clients, BNC National Bank delivers personal banking products such as checking and savings accounts, personal loans, and card services. Its mortgage banking arm facilitates residential lending through both direct-to-consumer and traditional retail channels. Additionally, its wealth management division provides tailored solutions, including administration of 401(k) and other retirement plans, comprehensive trust services, and personalized financial advisory for wealth growth and preservation. The company maintains a physical presence for its community banking and wealth management operations across 11 locations in Arizona and North Dakota. Its mortgage banking services demonstrate a broader footprint, operating from 9 locations spanning Arizona, North Dakota, Illinois, Kansas, and Michigan. Established in 1987, BNCCORP, Inc. is headquartered in Bismarck, North Dakota.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD36.07 +0.27 (+0.76%)
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Volume Profile
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Liquidity & share structure
Average Volume
5.0K
Beta
0.39
Float Shares
3.05M
Free Float %
86.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.60% -1.65% -1.00% -6.65% +11.02% +3.72% +19.35% +57.00% -9.77% +128.74% +232.75%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
36.07
DCF (Unlevered) 75.72 +109.9%
DCF (Levered) 127.20 +252.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.49
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +57.5% Q1'26: +14.4% (vs Q1'25)
  • EPS growth
    +11.2% Q1'26: +22.0% (vs Q1'25)
  • FCF margin
    Q1'26: +28.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +18.3% (vs Q1'25)
  • ROIC
    Q1'26: -15.7% (vs Q1'25)
  • Share dilution
    -0.2% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.43× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.41) × ERP
WACC = 88% × Ke + 12% × Kd (108.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 75.70 Current price: 36.07
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-15 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-14 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-13 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-12 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-11 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-08 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-07 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-06 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-05 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-04 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-05-01 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-04-30 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-04-29 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-04-28 B+ 3/5 4/5 3/5 3/5 3/5 2/5 3/5
2026-04-22 B+ 3/5 5/5 3/5 4/5 2/5 2/5 3/5
2026-04-21 A- 4/5 5/5 3/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
10.92M
OE per share TTM
3.09
Owner's Yield
8.93%
Maintenance CapEx ratio
8.14%
Maint CapEx / Avg PPE
21.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
82.9K
Shares Outstanding
3.52M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Daniel J. Collins President & Chief Executive Officer 490.4K male
Chad Scott President of North Dakota Market 400.5K male
Dick Skeldum Chief Information Officer male
Graig Gorder Treasurer & Vice President of Investment male
Justin C. Currie Chief Financial Officer male
Tracey Herschman Corporate Secretary female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits