BNCCorp Inc
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… Read more
BNCCorp Inc (BNCC) - Net Assets
Latest net assets as of September 2025: $103.74 Million USD
Based on the latest financial reports, BNCCorp Inc (BNCC) has net assets worth $103.74 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.00 Billion) and total liabilities ($899.74 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $103.74 Million |
| % of Total Assets | 10.34% |
| Annual Growth Rate | 5.83% |
| 5-Year Change | 12.61% |
| 10-Year Change | 29.86% |
| Growth Volatility | 18.12 |
BNCCorp Inc - Net Assets Trend (2000–2023)
This chart illustrates how BNCCorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for BNCCorp Inc (2000–2023)
The table below shows the annual net assets of BNCCorp Inc from 2000 to 2023.
| Year | Net Assets | Change |
|---|---|---|
| 2023-12-31 | $108.42 Million | +8.04% |
| 2022-12-31 | $100.35 Million | -12.73% |
| 2021-12-31 | $114.99 Million | -2.74% |
| 2020-12-31 | $118.23 Million | +22.80% |
| 2019-12-31 | $96.28 Million | +23.83% |
| 2018-12-31 | $77.75 Million | +0.16% |
| 2017-12-31 | $77.63 Million | +4.62% |
| 2016-12-31 | $74.19 Million | +7.55% |
| 2015-12-31 | $68.99 Million | -17.37% |
| 2014-12-31 | $83.49 Million | +19.50% |
| 2013-12-31 | $69.86 Million | +1.65% |
| 2012-12-31 | $68.73 Million | +64.16% |
| 2011-12-31 | $41.87 Million | +12.18% |
| 2010-12-31 | $37.32 Million | -34.83% |
| 2009-12-31 | $57.27 Million | +6.15% |
| 2008-12-31 | $53.95 Million | -9.68% |
| 2007-12-31 | $59.73 Million | +7.42% |
| 2006-12-31 | $55.60 Million | +7.73% |
| 2005-12-31 | $51.61 Million | +17.71% |
| 2004-12-31 | $43.85 Million | +9.11% |
| 2003-12-31 | $40.19 Million | +6.53% |
| 2002-12-31 | $37.72 Million | +22.96% |
| 2001-12-31 | $30.68 Million | +4.15% |
| 2000-12-31 | $29.46 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to BNCCorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 486.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2023)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $93.19 Million | 85.95% |
| Other Components | $15.23 Million | 14.05% |
| Total Equity | $108.42 Million | 100.00% |
BNCCorp Inc Competitors by Market Cap
The table below lists competitors of BNCCorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
DELTA PLUS GRP INH.EO-50
F:7E1
|
$90.38 Million |
|
Dmc Global Inc
NASDAQ:BOOM
|
$90.42 Million |
|
Yummies Inc
PINK:YUMM
|
$90.44 Million |
|
Good Will Instrument Co Ltd
TW:2423
|
$90.45 Million |
|
Golden Matrix Group Inc
NASDAQ:GMGI
|
$90.34 Million |
|
Doro AB (publ)
F:DR8A
|
$90.34 Million |
|
WonderFi Technologies Inc
OTCQB:WONDF
|
$90.31 Million |
|
William Penn Bancorp Inc
NASDAQ:WMPN
|
$90.31 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in BNCCorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2022 to 2023, total equity changed from 100,346,000 to 108,418,000, a change of 8,072,000 (8.0%).
- Net income of 5,705,000 contributed positively to equity growth.
- Other factors increased equity by 2,367,000.
Equity Change Factors (2022 to 2023)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $5.71 Million | +5.26% |
| Other Changes | $2.37 Million | +2.18% |
| Total Change | $- | 8.04% |
Book Value vs Market Value Analysis
This analysis compares BNCCorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.95x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.29x to 0.95x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | $22.40 | $28.80 | x |
| 2018-12-31 | $22.26 | $28.80 | x |
| 2019-12-31 | $27.39 | $28.80 | x |
| 2020-12-31 | $33.39 | $28.80 | x |
| 2021-12-31 | $32.35 | $28.80 | x |
| 2022-12-31 | $28.19 | $28.80 | x |
| 2023-12-31 | $30.38 | $28.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently BNCCorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.26%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.48%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 8.93x
- Recent ROE (5.26%) is below the historical average (11.14%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2000 | 7.80% | 4.64% | 0.09x | 19.35x | $-648.70K |
| 2001 | 4.06% | 2.58% | 0.08x | 19.07x | $-1.82 Million |
| 2002 | 5.41% | 4.33% | 0.08x | 15.96x | $-1.73 Million |
| 2003 | 9.57% | 7.77% | 0.08x | 15.47x | $-174.60K |
| 2004 | 7.76% | 6.41% | 0.08x | 15.37x | $-980.60K |
| 2005 | 7.95% | 6.60% | 0.08x | 14.34x | $-1.06 Million |
| 2006 | 6.51% | 5.47% | 0.10x | 12.45x | $-1.94 Million |
| 2007 | 3.31% | 4.12% | 0.07x | 11.71x | $-3.99 Million |
| 2008 | 4.11% | 3.93% | 0.07x | 15.97x | $-3.18 Million |
| 2011 | 10.05% | 9.15% | 0.07x | 15.89x | $21.30K |
| 2012 | 38.74% | 44.80% | 0.08x | 11.21x | $19.75 Million |
| 2013 | 12.35% | 16.61% | 0.06x | 12.07x | $1.64 Million |
| 2014 | 10.13% | 17.01% | 0.05x | 11.19x | $107.20K |
| 2015 | 13.34% | 18.16% | 0.06x | 13.11x | $2.31 Million |
| 2016 | 9.64% | 13.82% | 0.06x | 12.27x | $-263.50K |
| 2017 | 6.28% | 10.30% | 0.05x | 12.19x | $-2.88 Million |
| 2018 | 8.79% | 14.43% | 0.05x | 12.49x | $-939.30K |
| 2019 | 10.63% | 17.69% | 0.06x | 10.04x | $607.20K |
| 2020 | 37.74% | 37.72% | 0.11x | 9.09x | $32.79 Million |
| 2021 | 19.09% | 28.89% | 0.07x | 9.11x | $10.46 Million |
| 2022 | 6.48% | 12.98% | 0.05x | 9.40x | $-3.53 Million |
| 2023 | 5.26% | 13.48% | 0.04x | 8.93x | $-5.14 Million |
Industry Comparison
This section compares BNCCorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| BNCCorp Inc (BNCC) | $103.74 Million | 7.80% | 8.67x | $90.37 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |