BNCC

BNCCORP, Inc.

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Price alert · BNCC

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29.90 USD -0.10 -0.33%
As of Oct 30, 2026
29.90 Day range 29.90
29.66 52-week range 37.50
YTD
-10.21%
1 year
-3.55%
Open
29.90
Prev close
30.00
Mkt cap
105.33M
Vol
100
Avg vol
5.38K
EPS
2.51
P/E
11.91
More statistics
Low
29.90
High
29.90

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Financial health

Altman Z-Score

0.51 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 13.4×
FY 2016: 12.5×FY 2017: 22.1×FY 2018: 10.5×FY 2019: 11.9×FY 2020: 3.6×FY 2021: 7.2×FY 2022: 16.3×FY 2023: 18.0×FY 2024: 14.4×FY 2025: 13.4×
FY 2016 5y median 14.4× FY 2025
P/S 2.1×
FY 2016: 1.6×FY 2017: 2.1×FY 2018: 1.3×FY 2019: 1.8×FY 2020: 1.3×FY 2021: 2.0×FY 2022: 2.0×FY 2023: 1.9×FY 2024: 3.1×FY 2025: 2.1×
FY 2016 5y median 2.0× FY 2025
P/B 1.1×
FY 2016: 1.2×FY 2017: 1.4×FY 2018: 0.9×FY 2019: 1.3×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 9.4×
FY 2016: 3.9×FY 2017: 5.0×FY 2018: 2.4×FY 2019: -1.3×FY 2020: -2.9×FY 2021: 0.8×FY 2022: 1.9×FY 2023: 2.2×FY 2024: 13.7×FY 2025: 9.4×
FY 2016 5y median 2.2× FY 2025
EV/EBITDA -6.0×
FY 2016: 14.7×FY 2017: 15.0×FY 2018: 8.3×FY 2019: 10.3×FY 2020: 3.4×FY 2021: -0.4×FY 2022: 4.8×FY 2023: 1.8×FY 2024: 2.8×FY 2025: -6.0×
FY 2016 5y median 1.8× FY 2025
EV/Sales -1.4×
FY 2016: 3.0×FY 2017: 2.8×FY 2018: 1.5×FY 2019: 2.3×FY 2020: 1.7×FY 2021: -0.2×FY 2022: 0.9×FY 2023: 0.3×FY 2024: 0.8×FY 2025: -1.4×
FY 2016 5y median 0.3× FY 2025
FCF Yield 10.6%
FY 2016: 25.3%FY 2017: 20.1%FY 2018: 41.3%FY 2019: -76.3%FY 2020: -34.5%FY 2021: 130.9%FY 2022: 53.0%FY 2023: 45.1%FY 2024: 7.3%FY 2025: 10.6%
FY 2016 5y median 45.1% FY 2025

Profitability

Gross Margin 66.9%
FY 2016: 92.5%FY 2017: 92.3%FY 2018: 88.6%FY 2019: 85.4%FY 2020: 94.4%FY 2021: 97.7%FY 2022: 95.3%FY 2023: 77.9%FY 2024: 100.0%FY 2025: 66.9%
FY 2016 5y median 95.3% FY 2025
Operating Margin 20.0%
FY 2016: 17.8%FY 2017: 15.5%FY 2018: 15.7%FY 2019: 19.7%FY 2020: 47.7%FY 2021: 36.7%FY 2022: 15.8%FY 2023: 13.7%FY 2024: 35.7%FY 2025: 20.0%
FY 2016 5y median 20.0% FY 2025
Net Margin 15.3%
FY 2016: 13.0%FY 2017: 9.6%FY 2018: 12.8%FY 2019: 15.3%FY 2020: 36.4%FY 2021: 28.1%FY 2022: 12.3%FY 2023: 10.7%FY 2024: 21.8%FY 2025: 15.3%
FY 2016 5y median 15.3% FY 2025
ROE 8.2%
FY 2016: 9.6%FY 2017: 6.3%FY 2018: 8.8%FY 2019: 10.6%FY 2020: 37.7%FY 2021: 19.1%FY 2022: 6.5%FY 2023: 5.3%FY 2024: 8.5%FY 2025: 8.2%
FY 2016 5y median 8.2% FY 2025
ROIC 7.1%
FY 2016: 4.8%FY 2017: 4.0%FY 2018: 5.9%FY 2019: 7.5%FY 2020: 21.5%FY 2021: 16.5%FY 2022: 5.5%FY 2023: 4.5%FY 2024: 1.4%FY 2025: 7.1%
FY 2016 5y median 5.5% FY 2025
ROA 0.8%
FY 2016: 0.8%FY 2017: 0.5%FY 2018: 0.7%FY 2019: 1.1%FY 2020: 4.2%FY 2021: 2.1%FY 2022: 0.7%FY 2023: 0.6%FY 2024: 0.8%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 57.5%
FY 2016: 4.3%FY 2017: -7.6%FY 2018: 5.0%FY 2019: 25.1%FY 2020: 83.0%FY 2021: -36.2%FY 2022: -32.5%FY 2023: 1.0%FY 2024: -31.9%FY 2025: 57.5%
FY 2016 FY 2025
Operating Income -11.6%
FY 2016: -25.6%FY 2017: -19.3%FY 2018: 6.0%FY 2019: 57.1%FY 2020: 344.6%FY 2021: -50.9%FY 2022: -71.0%FY 2023: -12.2%FY 2024: 76.9%FY 2025: -11.6%
FY 2016 FY 2025
EPS (diluted) 11.2%
FY 2016: -6.0%FY 2017: -32.0%FY 2018: 39.9%FY 2019: 49.2%FY 2020: 334.7%FY 2021: -50.9%FY 2022: -70.4%FY 2023: -12.6%FY 2024: 40.3%FY 2025: 11.2%
FY 2016 FY 2025
Free Cash Flow 50.5%
FY 2016: 12.9%FY 2017: -4.6%FY 2018: 36.0%FY 2019: -415.7%FY 2020: 40.3%FY 2021: 473.7%FY 2022: -72.9%FY 2023: -18.2%FY 2024: -82.0%FY 2025: 50.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.2×
FY 2016: 1.2×FY 2017: 0.8×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -15.2×
FY 2016: 6.8×FY 2017: 3.7×FY 2018: 1.1×FY 2019: 2.0×FY 2020: 0.7×FY 2021: -5.6×FY 2022: -5.5×FY 2023: -9.6×FY 2024: -8.3×FY 2025: -15.2×
FY 2016 5y median -8.3× FY 2025
Interest Coverage 0.7×
FY 2016: 2.9×FY 2017: 2.2×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 13.8×FY 2021: 13.4×FY 2022: 3.1×FY 2023: 0.7×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 12.1%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 31.6%FY 2022: 5.9%FY 2023: 0.0%FY 2024: 7.1%FY 2025: 12.1%
FY 2016 5y median 7.1% FY 2025
Payout Ratio 163.1%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 228.9%FY 2022: 97.0%FY 2023: 0.0%FY 2024: 102.7%FY 2025: 163.1%
FY 2016 5y median 102.7% FY 2025

Annual · latest fiscal year ends 2025-12-31