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BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides commercial and retail banking, and wealth management services in the United States. The company offers a range of commercial banking services, such as business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-sized businesses. It also provides retail banking services, including personal checking and savings products, personal loans, and card services; and wealth management solutions, such as personal wealth advisory services, 401(k), other retirement plan administration, and trust services. In addition, the company offers business loans comprising revolving lines of credit, working capital loans, equipment financing, construction loans, letters of credit, aircraft loans, and agribusiness loans; and vehicle loans, home equity line of credit, and real estate loans. Further, it provides retirement plans for businesses; and online and mobile banking services. The company offers community banking and wealth management services in Arizona and North Dakota. BNCCORP, Inc. was incorporated in 1987 and is headquartered in Bismarck, North Dakota.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 11.44M | 10.26M | 7.32M | 8.33M | 28.71M |
| Net income | 8.77M | 7.93M | 5.71M | 6.50M | 21.95M |
| Selling general administrative | 16.34M | 15.82M | 20.64M | 26.85M | 34.82M |
| Reconciled depreciation | 1.46M | 1.43M | 1.66M | 2.02M | 1.27M |
| Other operating expenses | - | - | - | - | 3.61M |
| Interest expense | 17.31M | 15.40M | 10.97M | 2.65M | 2.14M |
| Tax provision | 2.67M | 2.34M | 1.61M | 1.83M | 6.75M |
| Interest income | 51.33M | 46.31M | 43.13M | 33.47M | 33.31M |
| Net interest income | 34.02M | 30.91M | 32.17M | 30.81M | 31.17M |
| Income tax expense | - | - | - | - | 6.75M |
| Total revenue | 39.85M | 36.95M | 42.31M | 50.09M | 76.00M |
| Net income from continuing ops | 8.77M | 7.93M | 5.71M | 6.50M | 21.95M |
| Net income applicable to common shares | - | - | - | - | 21.95M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 1100.21M | 966.68M | 968.21M | 943.32M | 1047.37M |
| Other current assets | - | - | - | - | 83.51M |
| Total liab | 993.70M | 873.01M | 859.79M | 842.98M | 932.39M |
| Total stockholder equity | 106.51M | 93.67M | 108.42M | 100.35M | 114.99M |
| Common stock | - | - | - | - | 0.04M |
| Capital stock | 0.04M | 0.04M | 0.04M | 0.04M | 0.04M |
| Retained earnings | 87.44M | 78.67M | 93.19M | 87.58M | 87.38M |
| Other liab | - | - | - | - | 0.89M |
| Other assets | - | - | - | - | 550.35M |
| Cash | 211.45M | 100.81M | 102.45M | 73.97M | 188.06M |
| Total current liabilities | - | - | - | - | 915.09M |
| Other stockholder equity | - | - | - | - | 3.15M |
| Property plant equipment | - | - | - | - | 14.64M |
| Total current assets | - | - | - | - | 272.11M |
| Long term investments | 83.67M | 97.92M | 159.77M | 174.88M | 208.98M |
| Net tangible assets | - | - | - | - | 114.99M |
| Short term investments | 83.67M | 97.92M | 159.77M | 174.88M | 208.98M |
| Net receivables | 4.39M | 4.11M | 4.21M | 3.31M | 0.54M |
| Long term debt | 15.46M | 15.46M | 15.46M | 15.00M | 15.00M |
| Accounts payable | 1.64M | 1.25M | 0.94M | 0.31M | 906.67M |
| Capital lease obligations | 0.57M | 0.70M | 1.05M | 1.66M | 2.30M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 18.54M | 29.68M | -53.91M | -77.53M | -33.97M |
| Change to liabilities | - | - | - | - | 0.57M |
| Total cashflows from investing activities | - | - | - | - | 0.96M |
| Net borrowings | 0.00M | 0.00M | 0.00M | - | -37.28M |
| Total cash from financing activities | 120.00M | -9.01M | -34.17M | -93.39M | -34.02M |
| Change to operating activities | - | - | - | - | -4.76M |
| Net income | 8.77M | 7.93M | 5.71M | 6.50M | 21.95M |
| Change in cash | 110.64M | -1.64M | -24.13M | -114.09M | 175.62M |
| Begin period cash flow | 100.81M | 102.45M | 75.50M | 188.06M | 12.44M |
| End period cash flow | 211.45M | 100.81M | 51.37M | 73.97M | 188.06M |
| Total cash from operating activities | 12.83M | 9.36M | 63.94M | 56.82M | 208.68M |
| Depreciation | 1.46M | 1.43M | 1.83M | 2.02M | 1.27M |
| Other cashflows from investing activities | - | - | - | - | 1.10M |
| Dividends paid | 14.30M | 8.14M | 0.00M | -6.30M | -50.25M |
| Change to account receivables | -0.71M | -0.89M | -1.47M | 1.29M | 1.18M |
| Sale purchase of stock | 0.00M | -1.16M | - | - | - |
| Other cashflows from financing activities | - | - | - | - | 53.51M |
| Change to netincome | - | - | - | - | 188.47M |
| Capital expenditures | 0.33M | 1.05M | 0.32M | 0.52M | 0.86M |
| Change in working capital | 0.03M | -2.25M | -3.05M | -0.24M | -3.58M |
| Stock based compensation | 0.27M | 0.33M | 0.27M | 0.36M | 0.40M |
| Other non cash items | - | - | 54.91M | 44.19M | 175.30M |
| Free cash flow | 12.50M | 8.31M | 63.62M | 56.30M | 207.82M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BNCC BNCCorp Inc |
- -% |
29.84 | 13.17 | - | 2.78 | 1.06 | 3.14 |
| DBSDY DBS Group Holdings Ltd ADR |
-1.02 0.44% |
231.03 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.01 0.08% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
0.34 1.02% |
33.58 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
83.45 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides commercial and retail banking, and wealth management services in the United States. The company offers a range of commercial banking services, such as business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-sized businesses. It also provides retail banking services, including personal checking and savings products, personal loans, and card services; and wealth management solutions, such as personal wealth advisory services, 401(k), other retirement plan administration, and trust services. In addition, the company offers business loans comprising revolving lines of credit, working capital loans, equipment financing, construction loans, letters of credit, aircraft loans, and agribusiness loans; and vehicle loans, home equity line of credit, and real estate loans. Further, it provides retirement plans for businesses; and online and mobile banking services. The company offers community banking and wealth management services in Arizona and North Dakota. BNCCORP, Inc. was incorporated in 1987 and is headquartered in Bismarck, North Dakota.
| Name | Title | Year Born |
|---|---|---|
| Mr. Daniel J. Collins | Pres & CEO | 1964 |
| Mr. Douglas Brendel | Pres Mortgage Banking of BNC National Bank | NA |
| Mr. Chad Scott | Pres of North Dakota Market | NA |
| Mr. Justin C. Currie | Chief Financial Officer | NA |
| Ms. Shawn Cleveland CPA | Chief Operating Officer | 1969 |
| Mr. Graig Gorder | Treasurer & VP of Investment | NA |
| Mr. Dick Skeldum | Chief Information Officer | NA |
| Ms. Jan Nelson | Marketing Coordinator | NA |
| Mr. David Hoekstra CPA | Pres-BNC National Bank-North Dakata Market, Chief Credit Officer & Director-BNC National Bank | 1972 |
| Mr. Michael Schmitz | SVP of Financial Services | NA |
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