BNCCORP, Inc. (BNCC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
BNCCORP, Inc. (BNCC) trades at $37.00 with AI Score 65/100 (Grade B+). BNCCORP, Inc. operates as the bank holding company for BNC National Bank, offering community banking, retail and mortgage banking, and wealth management services. Market cap: $130.24M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for BNCC: BNCC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BNCC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BNCC: 4/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →BNCCORP, Inc. (BNCC) Financial Services Profile
BNCCORP, Inc. is a regional bank holding company providing diverse financial services, including commercial, retail, mortgage, and wealth management, through BNC National Bank. It serves businesses and consumers across Arizona, North Dakota, Illinois, Kansas, and Michigan, leveraging a focused community banking model.
What Is the Investment Thesis for BNCC?
BNCCORP, Inc. presents a regional financial services entity with a diversified revenue stream across commercial, retail, mortgage, and wealth management segments. The company's focus on small to middle-market businesses and consumers in specific regional markets, particularly Arizona and North Dakota, allows for tailored service delivery and potentially stronger client relationships. Key value drivers include its solid profit margin of 23.3% and a return on equity (ROE) of 8.9%, indicating efficient operations and effective capital utilization. Growth catalysts could stem from continued expansion of its wealth management services, leveraging demographic trends for retirement planning, and strategic penetration within its existing mortgage banking states. The company's relatively low beta of 0.41 suggests lower volatility compared to the broader market, which may appeal to certain investor profiles. However, as an OTC-traded entity, liquidity and disclosure considerations are pertinent for investors conducting due diligence.
Based on FMP financials and quantitative analysis
BNCC Key Highlights
- Market Capitalization: $0.12 billion, reflecting its size as a regional financial institution.
- Profit Margin: 23.3%, indicating strong profitability relative to its revenue.
- Return on Equity (ROE): 8.9%, demonstrating its ability to generate profit from shareholder investments.
- Beta: 0.41, suggesting lower price volatility compared to the broader market.
- Geographic Reach: Operates through 11 community banking/wealth management locations and 9 mortgage banking locations across five states (AZ, ND, IL, KS, MI).
Who Are BNCC's Competitors?
BNCC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| LYG Lloyds Banking Group plc | $6.17 | +1.73% | $89.65B | 65 |
| SNNF Seneca Bancorp, Inc. | $12.95 | +0.00% | $23.32M | 65 |
| CLST Catalyst Bancorp, Inc. | $16.52 | +1.47% | $66.94M | 65 |
| GBOOF Grupo Financiero Banorte, S.A.B. de C.V. | $10.90 | +1.89% | $30.25B | 65 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BNCC's Key Strengths?
- Diversified revenue streams from commercial, retail, mortgage, and wealth management services.
- Established physical presence with 11 community banking locations in key regional markets.
- Strong profit margin of 23.3% indicates efficient operations.
- Lower market volatility demonstrated by a Beta of 0.41.
What Are BNCC's Weaknesses?
- Relatively small market capitalization of $130.24M, limiting scale.
- Reliance on regional economic conditions in its primary operating states.
- No dividend yield, potentially less attractive to income-focused investors.
- Operations on the OTC market may impact liquidity and investor access.
What Could Drive BNCC Stock Higher?
- Expansion of wealth management client base through targeted marketing and service enhancements.
- Strategic initiatives to increase commercial loan origination within existing Arizona and North Dakota markets.
- Potential for increased residential mortgage origination volumes if interest rates stabilize or decline, stimulating housing market activity.
- Implementation of digital banking enhancements to improve customer experience and operational efficiency across all service lines.
What Are the Key Risks for BNCC?
- Financial-distress signal — its Altman Z-Score of -0.56 sits in the distress zone (elevated bankruptcy risk).
- Fluctuations in interest rates could negatively impact net interest margin and demand for mortgage products.
- Economic downturns in Arizona or North Dakota could lead to increased loan defaults and reduced demand for banking services.
- Intense competition from larger financial institutions and other regional banks could pressure pricing and market share.
- Regulatory changes and increased compliance costs within the financial services sector could impact profitability.
- The 'Unknown' disclosure status on the OTC market may deter institutional investors and limit liquidity.
What Are the Growth Opportunities for BNCC?
- Expansion of Commercial Banking Services: BNCCORP has an opportunity to deepen its penetration within the small to middle-market business segment across its Arizona and North Dakota community banking footprint. By focusing on increasing market share for business financing, commercial real estate lending, and cash management solutions, the company can leverage its established relationships. This segment often seeks personalized banking relationships and localized decision-making, presenting a pathway for BNCCORP to expand its loan and deposit portfolios by offering tailored products and services, potentially growing its commercial client base over the next 3-5 years.
- Growth in Wealth Management Services: Capitalizing on the increasing demand for comprehensive financial planning, BNCCORP can expand its wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory. As demographics shift and individuals seek professional guidance for wealth preservation and growth, there is a sustained need for these services. This segment offers BNCCORP a pathway to increase fee-based income, enhance client stickiness, and grow assets under management, with potential for steady growth over the long term (5+ years).
- Leveraging Mortgage Banking Channels: BNCCORP can further develop and optimize its consumer direct and retail mortgage channels across its five operational states: Arizona, North Dakota, Illinois, Kansas, and Michigan. A robust and efficient mortgage origination and servicing platform can generate significant revenue, particularly by adapting to evolving interest rate environments and housing market dynamics. By enhancing digital application processes and expanding its network of mortgage loan officers, BNCCORP can capture a larger share of the residential lending market, aiming for increased origination volumes in the next 2-4 years.
- Digital Banking and Technology Adoption: Investing in and enhancing digital banking platforms represents a significant growth opportunity. By improving mobile banking capabilities, online loan application processes, and digital tools for wealth management, BNCCORP can improve customer experience, streamline operations, and expand its reach beyond traditional physical branches. This strategy can attract a younger, tech-savvy demographic, improve operational efficiency by reducing manual processes, and increase service accessibility, leading to potential market share gains and cost savings over the next 2-5 years.
- Strategic In-market Penetration: BNCCORP can deepen its market penetration within its existing community banking markets in Arizona and North Dakota. This involves focusing on localized marketing initiatives, strengthening community engagement, and offering product bundles tailored to specific local needs. By fostering stronger ties within these communities, BNCCORP can capture a larger share of both deposit accounts and lending opportunities from local businesses and consumers, leveraging its established branch network and local expertise to drive organic growth over the next 3-5 years.
What Opportunities Does BNCC Have?
- Expansion of wealth management services to capture growing demand for financial planning.
- Leveraging digital banking technologies to enhance customer experience and operational efficiency.
- Deepening market penetration in existing states for commercial and retail banking.
- Strategic growth in mortgage banking across its five operational states.
What Threats Does BNCC Face?
- Interest rate fluctuations impacting net interest margin and mortgage demand.
- Intense competition from larger national banks, other regional banks, and credit unions.
- Potential for regional economic downturns affecting loan portfolio quality.
- Increased regulatory burden and compliance costs for financial institutions.
What Are BNCC's Competitive Advantages?
- Established regional presence and community ties in Arizona and North Dakota.
- Diversified service offerings across commercial, retail, mortgage, and wealth management.
- Personalized customer service typical of regional banks, fostering client loyalty.
- Regulatory compliance and banking licenses required for operation.
- Local market knowledge and relationships in its operating geographies.
What Does BNCC Do?
BNCCORP, Inc., incorporated in 1987 and headquartered in Bismarck, North Dakota, functions as the bank holding company for BNC National Bank. The company has evolved to provide a comprehensive suite of financial services, catering to both businesses and consumers across multiple states. Its core offerings are segmented into community banking, retail and mortgage banking, and wealth management services. Within community banking, BNCCORP delivers essential commercial services such as business financing, commercial real estate lending, Small Business Administration (SBA) loans, business checking accounts, cash management solutions, corporate credit cards, and merchant services, primarily targeting small to middle-market businesses. For individual consumers, the retail and mortgage banking segment offers personal checking and savings products, personal loans, and card services. A significant component of its retail offering includes residential loans, which are originated through both a consumer direct channel and a traditional retail channel, extending its reach in the housing market. Furthermore, BNCCORP provides sophisticated wealth management solutions designed to assist clients with long-term financial planning, including 401(k) and other retirement plans, trust services, and personalized wealth advisory services. The company maintains a physical presence with 11 locations dedicated to community banking and wealth management services, primarily situated in Arizona and North Dakota. Its mortgage banking operations are more geographically dispersed, with 9 locations spanning Arizona, North Dakota, Illinois, Kansas, and Michigan, reflecting a strategic approach to market penetration for its lending products.
What Products and Services Does BNCC Offer?
- Operates as a bank holding company for BNC National Bank.
- Provides community banking services to small to middle-market businesses.
- Offers commercial banking products including business financing and commercial real estate loans.
- Delivers retail banking services such as personal checking, savings, and loans.
- Originates residential mortgage loans through both consumer direct and retail channels.
- Provides wealth management solutions, including 401(k) plans, trust services, and personal advisory.
- Operates 11 community banking and wealth management locations in Arizona and North Dakota.
- Manages 9 mortgage banking locations across Arizona, North Dakota, Illinois, Kansas, and Michigan.
How Does BNCC Make Money?
- Generates interest income from commercial, retail, and mortgage loans.
- Earns fee income from wealth management services, including trust and advisory fees.
- Collects fees from cash management, corporate credit cards, and merchant services.
- Manages deposit accounts (checking, savings) to fund lending activities.
- Provides diversified financial products to businesses and consumers across multiple states.
What Industry Does BNCC Operate In?
BNCCORP, Inc. operates within the 'Banks - Regional' industry, a segment characterized by its focus on local economies and community-specific financial needs. This industry is influenced by interest rate fluctuations, regional economic health, and regulatory changes. Regional banks often compete by offering personalized services and deeper community ties compared to larger national institutions. BNCCORP's presence across Arizona, North Dakota, Illinois, Kansas, and Michigan positions it within diverse regional markets. The competitive landscape includes other regional banks, credit unions, and specialized financial service providers. Market trends indicate a growing demand for integrated digital banking solutions and personalized wealth management, areas where regional banks like BNCCORP can differentiate themselves by combining local service with modern conveniences. The company's diversified offerings across commercial, retail, mortgage, and wealth management services aim to capture various revenue streams within these regional contexts.
Who Are BNCC's Key Customers?
- Small to middle-market businesses requiring financing, cash management, and corporate banking services.
- Individual consumers seeking personal checking, savings, loans, and card services.
- Homebuyers and homeowners utilizing residential mortgage loan products.
- High-net-worth individuals and families needing wealth management, retirement planning, and trust services.
- Local communities in Arizona, North Dakota, Illinois, Kansas, and Michigan.
Company Profile
BNCCORP, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Bismarck, US. The company is led by CEO Daniel J. Collins. BNCC has traded publicly since 1995.
ROE 9%Key Financial Metrics
Return on equity for BNCCORP, Inc. stands at 8.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. BNCC trades at a trailing price-to-earnings ratio of 13.09, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.6%, the inverse of the P/E and a quick read on earnings relative to price.
BNCC Valuation & Market Position
With a $130.24M market cap, BNCCORP, Inc. sits in the micro-cap segment of the market. Relative to its peer group, BNCC's quantitative score of 65/100 is roughly in line with the peer average of 68/100.
Quarterly Financial Performance: BNCCORP, Inc.
Revenue for BNCCORP, Inc. came in at $15.3M during Q1 2026, a 1.6% improvement versus the preceding quarter. The company recorded net income of $2.2M, with diluted EPS of $0.61. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, BNCC averaged $0.65 in diluted EPS.
F-Score 5/9Financial Health
BNCCORP, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.56 places it in the distress zone, a signal of elevated financial risk.
BNCC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified revenue streams from commercial, retail, mortgage, and wealth management services.
- Established physical presence with 11 community banking locations in key regional markets.
- Strong profit margin of 23.3% indicates efficient operations.
- Lower market volatility demonstrated by a Beta of 0.41.
Bear Case
- Relatively small market capitalization of $130.24M, limiting scale.
- Reliance on regional economic conditions in its primary operating states.
- No dividend yield, potentially less attractive to income-focused investors.
- Operations on the OTC market may impact liquidity and investor access.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $15M | $2M | $0.61 |
| Q4 2025 | $15M | $2M | $0.62 |
| Q3 2025 | $15M | $3M | $0.74 |
| Q2 2025 | $14M | $2M | $0.62 |
Based on FMP financials and quantitative analysis
BNCC Latest News
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BNCCORP, INC. REPORTS FIRST QUARTER NET INCOME OF $2.2 MILLION, OR $0.61 PER DILUTED SHARE
gurufocus.com · May 15, 2026
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Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
BNCC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BNCC.
Price Targets
Wall Street price target analysis for BNCC.
BNCC MoonshotScore
What does this score mean?
The MoonshotScore rates BNCC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Daniel J. Collins
CEO
Daniel J. Collins leads BNCCORP, Inc. as its Chief Executive Officer, overseeing the strategic direction and operational execution for the bank holding company and its subsidiary, BNC National Bank. His leadership is critical in guiding the company's diverse service offerings across community banking, retail and mortgage banking, and wealth management. With a focus on regional financial services, Mr. Collins is responsible for managing the company's 138 employees and ensuring compliance with banking regulations while driving growth initiatives across its multi-state footprint.
Track Record: Under Daniel J. Collins' leadership, BNCCORP, Inc. has maintained a diversified business model, navigating the complexities of regional banking. His tenure has seen the company sustain a profit margin of 23.3% and a return on equity of 8.9%, reflecting effective management of financial performance. Mr. Collins has been instrumental in overseeing the company's operations across its 11 community banking and 9 mortgage banking locations, ensuring the delivery of comprehensive financial services to its target markets.
BNCC OTC Market Information
BNCCORP, Inc. trades on the 'OTC Other' tier, which is the lowest tier of the OTC Markets Group. This tier is for companies that do not meet the disclosure requirements for OTCQX or OTCQB, or that choose not to provide financial information. Unlike stocks listed on major exchanges like NYSE or NASDAQ, which have stringent listing standards regarding financial health, corporate governance, and reporting, 'OTC Other' companies have minimal to no public disclosure requirements. This can result in limited transparency for investors regarding the company's financial condition and operational performance compared to higher tiers or exchange-listed securities.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Transparency: The 'Unknown' disclosure status means investors have restricted access to current and comprehensive financial and operational information, making informed investment decisions difficult.
- Lower Liquidity: Trading on the 'OTC Other' tier often results in lower trading volumes and wider bid-ask spreads, making it harder to execute trades efficiently and potentially leading to greater price volatility.
- Price Volatility: Due to lower trading volumes and limited information, share prices on the OTC market can be more susceptible to significant and rapid fluctuations.
- Regulatory Oversight: While still subject to certain SEC regulations, the 'OTC Other' tier has less stringent reporting requirements compared to major exchanges, which can expose investors to higher risks.
- Difficulty in Valuation: The lack of consistent and detailed public financial reports makes it challenging for investors and analysts to accurately value the company and assess its financial health.
- Verify the company's business operations and revenue sources independently.
- Seek out any available financial statements or regulatory filings from alternative sources.
- Research management's background, experience, and track record.
- Assess the company's competitive landscape and market positioning.
- Examine any news or press releases for operational updates or material events.
- Understand the specific risks associated with investing in 'OTC Other' securities.
- Consult with a financial advisor experienced in OTC markets.
- Established operational history since incorporation in 1987.
- Physical presence with 11 community banking and 9 mortgage banking locations across multiple states.
- Manages a significant number of employees (138), indicating active operations.
- Provides traditional banking and wealth management services, suggesting a conventional business model.
- Identified as a bank holding company for BNC National Bank, a regulated entity.
BNCC Financial Services Stock FAQ
What does BNCCORP, Inc. do?
BNCCORP, Inc. operates as the bank holding company for BNC National Bank, providing a diverse range of financial services to businesses and consumers. Its offerings include commercial banking services such as business financing, commercial real estate lending, and cash management for small to middle-market businesses. For individuals, it offers retail and mortgage banking services, including personal checking, savings, loans, and residential mortgages. Additionally, the company provides wealth management solutions, encompassing 401(k) and other retirement plans, trust services, and personal wealth advisory services. BNCCORP conducts its community banking and wealth management operations through 11 locations in Arizona and North Dakota, while its mortgage banking services extend to 9 locations across Arizona, North Dakota, Illinois, Kansas, and Michigan.
What regulatory challenges does BNCCORP, Inc. face?
As a bank holding company operating BNC National Bank, BNCCORP, Inc. operates within a highly regulated environment. It faces ongoing challenges related to compliance with federal and state banking laws, including those enforced by the Federal Reserve, FDIC, and state banking departments. These regulations cover areas such as capital requirements, loan loss provisioning, consumer protection, anti-money laundering (AML), and data privacy. Adhering to these complex and evolving regulatory frameworks necessitates significant investment in compliance infrastructure, personnel, and reporting systems, which can impact operational costs and profitability. Furthermore, potential future regulatory changes or increased scrutiny could impose additional burdens, affecting the company's ability to expand certain services or operate efficiently.
What is BNCCORP, Inc.'s credit quality and risk management approach?
BNCCORP, Inc.'s credit quality and risk management approach are critical given its diverse loan portfolio spanning commercial, real estate, and retail segments. While specific details on loan portfolio quality (e.g., non-performing assets, charge-off rates) are not provided, a regional bank's risk management typically involves rigorous underwriting standards, ongoing monitoring of loan performance, and diversified lending to mitigate concentration risks. The company would likely maintain provisions for loan losses to absorb potential defaults. Its risk management framework would also encompass interest rate risk, liquidity risk, operational risk, and compliance risk, employing internal controls, stress testing, and adherence to regulatory guidelines to safeguard its assets and maintain financial stability. The regional focus means credit quality is particularly sensitive to local economic conditions in its operating states.
What are the key factors to evaluate for BNCC?
BNCCORP, Inc. (BNCC) holds an AI score of 65/100 (moderate). P/E: 13.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BNCC data refresh on this page?
BNCC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BNCC's recent stock price performance?
BNCCORP, Inc. (BNCC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams from commercial, retail, mortgage, and wealth management services. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BNCC overvalued or undervalued right now?
BNCCORP, Inc. (BNCC) trades at 13.1x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BNCC?
Before investing in BNCCORP, Inc. (BNCC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- No FMP PEER TICKERS were provided, so the competitors array is empty.
- Specific details on CEO's full title, background, and tenure years were not provided, so some information was inferred or marked as null.
- Specific details on analyst ratings, price targets, or consensus were not provided, so the analyst FAQ was omitted.
- Specific details for credit quality metrics (e.g., NPLs, charge-offs) were not provided, so the answer focuses on general risk management practices.