BBNA
Bonvenu Bancorp, Inc. operates as the bank holding company for Citizens National Bank that provides personal and business banking services. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit. The company also provides personal loans, such as vacation loans, lines of credit, home equity loans, home construction loans, and loans for various other con… Read more
BBNA (BBNA) - Net Assets
Latest net assets as of September 2025: $120.12 Million USD
Based on the latest financial reports, BBNA (BBNA) has net assets worth $120.12 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 ($1.53 Billion) and total liabilities ($1.41 Billion). 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 | $120.12 Million |
| % of Total Assets | 7.85% |
| Annual Growth Rate | -3.94% |
| 5-Year Change | -2.96% |
| 10-Year Change | 39.78% |
| Growth Volatility | 25.46 |
BBNA - Net Assets Trend (1994–2025)
This chart illustrates how BBNA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for BBNA (1994–2025)
The table below shows the annual net assets of BBNA from 1994 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $123.76 Million | +14.82% |
| 2024-12-31 | $107.79 Million | -1.57% |
| 2023-12-31 | $109.50 Million | +13.72% |
| 2022-12-31 | $96.29 Million | -24.50% |
| 2021-12-31 | $127.53 Million | -0.12% |
| 2020-12-31 | $127.69 Million | +12.22% |
| 2019-12-31 | $113.78 Million | +10.69% |
| 2018-12-31 | $102.79 Million | +6.66% |
| 2017-12-31 | $96.37 Million | +8.85% |
| 2016-12-31 | $88.54 Million | -10.18% |
| 2015-12-31 | $98.57 Million | -79.29% |
| 1995-12-31 | $476.00 Million | +10.59% |
| 1994-12-31 | $430.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to BBNA'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 356.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $101.79 Million | 82.25% |
| Common Stock | $32.68 Million | 26.41% |
| Total Equity | $123.76 Million | 100.00% |
BBNA Competitors by Market Cap
The table below lists competitors of BBNA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
East West Petroleum Corp
PINK:EWPMF
|
$171.10K |
|
KHD Humboldt Wedag Vermögensverwaltungs-AG
F:HETA
|
$171.18K |
|
Panorama Capital Corp
V:PANO-P
|
$171.31K |
|
Southern Realty Co
PINK:SRLY
|
$171.31K |
|
CURIS RES
F:7CR
|
$170.96K |
|
Sydinvest Globale EM-Aktier KL
CO:SYIGEAADKK
|
$170.91K |
|
CAT STRATEGIC MET.
F:8CHA
|
$170.86K |
|
Deveron Corp
PINK:DVRNF
|
$170.71K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in BBNA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 107,785,289 to 123,761,125, a change of 15,975,836 (14.8%).
- Net income of 7,343,514 contributed positively to equity growth.
- Other factors increased equity by 8,632,322.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $7.34 Million | +5.93% |
| Other Changes | $8.63 Million | +6.97% |
| Total Change | $- | 14.82% |
Book Value vs Market Value Analysis
This analysis compares BBNA'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: 0.96x
- 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 4.83x to 0.96x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1994-12-31 | $3.73 | $18.00 | x |
| 1995-12-31 | $5.06 | $18.00 | x |
| 2015-12-31 | $13.11 | $18.00 | x |
| 2016-12-31 | $11.77 | $18.00 | x |
| 2017-12-31 | $14.09 | $18.00 | x |
| 2018-12-31 | $15.78 | $18.00 | x |
| 2019-12-31 | $17.47 | $18.00 | x |
| 2020-12-31 | $19.61 | $18.00 | x |
| 2021-12-31 | $19.34 | $18.00 | x |
| 2022-12-31 | $14.63 | $18.00 | x |
| 2023-12-31 | $16.80 | $18.00 | x |
| 2024-12-31 | $16.41 | $18.00 | x |
| 2025-12-31 | $18.85 | $18.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently BBNA 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): 5.93%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 8.81%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 13.11x
- Recent ROE (5.93%) is below the historical average (10.17%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1994 | 17.65% | 428.57% | 0.00x | 12.73x | $2.60 Million |
| 1995 | 14.22% | 347.37% | 0.00x | 10.34x | $1.96 Million |
| 2015 | 9.22% | 22.45% | 0.05x | 8.57x | $-766.39K |
| 2016 | 10.31% | 21.46% | 0.05x | 9.99x | $276.13K |
| 2017 | 3.90% | 8.70% | 0.05x | 9.53x | $-5.88 Million |
| 2018 | 12.17% | 26.83% | 0.05x | 9.38x | $2.23 Million |
| 2019 | 10.77% | 24.57% | 0.05x | 9.15x | $875.70K |
| 2020 | 8.36% | 23.38% | 0.04x | 9.59x | $-2.09 Million |
| 2021 | 9.69% | 24.84% | 0.04x | 10.78x | $-393.98K |
| 2022 | 14.96% | 25.18% | 0.04x | 15.24x | $4.78 Million |
| 2023 | 10.60% | 15.52% | 0.05x | 14.51x | $661.02K |
| 2024 | 4.44% | 5.86% | 0.05x | 14.33x | $-5.99 Million |
| 2025 | 5.93% | 8.81% | 0.05x | 13.11x | $-5.03 Million |
Industry Comparison
This section compares BBNA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $22,823,266,317
- Average return on equity (ROE) among peers: 14.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| BBNA (BBNA) | $120.12 Million | 17.65% | 11.74x | $171.04K |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.91 Billion |
| ACNB Corporation (ACNB) | $106.80 Million | 8.72% | 8.79x | $452.68 Million |
| Addiko Bank AG (ADBKF) | $6.08 Billion | 0.58% | 0.00x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $79.98 Million |
| Absa Group Limited (AGRPF) | $56.49 Billion | 12.11% | 11.71x | $6.72 Billion |
| AIB Group plc (AIBGY) | $2.74 Billion | 18.02% | 16.84x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $153.61 Billion | 39.08% | 6.47x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $8.37 Billion | 34.92% | 7.81x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $235.94 Million | 14.17% | 11.96x | $248.47 Million |