BNC Bancorp Inc.
BNC Bancorp Inc. Fundamental Analysis
BNC Bancorp Inc. (BNCN) shows moderate financial fundamentals with a PE ratio of 25.20, profit margin of 29.51%, and ROE of 8.42%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 63.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BNCN's fundamental strength across five key dimensions:
Efficiency Score
WeakBNCN struggles to generate sufficient returns from assets.
Valuation Score
ModerateBNCN shows balanced valuation metrics.
Growth Score
WeakBNCN faces weak or negative growth trends.
Financial Health Score
ExcellentBNCN maintains a strong and stable balance sheet.
Profitability Score
WeakBNCN struggles to sustain strong margins.
Key Financial Metrics
Is BNCN Expensive or Cheap?
P/E Ratio
BNCN trades at 25.20 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, BNCN's PEG of 0.25 indicates potential undervaluation.
Price to Book
The market values BNC Bancorp Inc. at 1.76 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -0.77 times EBITDA. This is generally considered low.
How Well Does BNCN Make Money?
Net Profit Margin
For every $100 in sales, BNC Bancorp Inc. keeps $29.51 as profit after all expenses.
Operating Margin
Core operations generate 42.15 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.42 in profit for every $100 of shareholder equity.
ROA
BNC Bancorp Inc. generates $0.85 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $0.82 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
25.20
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.25
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.76
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.41
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.003
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How BNCN Stacks Against Its Sector Peers
| Metric | BNCN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 25.20 | 18.56 | Worse (Expensive) |
| ROE | 8.42% | 828.00% | Weak |
| Net Margin | 29.51% | 2518.00% | Weak |
| Debt/Equity | 0.41 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 4.00 | 663.54 | Strong Liquidity |
| ROA | 0.85% | -21156.00% (disorted) | Weak |
BNCN outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews BNC Bancorp Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical