BNCCORP

BNCC

Banks - Regional · Financial Services

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Growth

Exceptional

Valuation

Good

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Winston Score History

The full picture

BancCorp, Inc. is a small regional bank holding company based in Bismarck, North Dakota. It serves everyday customers, small businesses, and local communities through its main subsidiary, BNC National Bank. The bank offers standard financial services like checking and savings accounts, loans, and wealth management.

The company makes money primarily through interest income on loans and fees from banking services. It operates mainly in North Dakota and Arizona, with a small number of branch locations, making it a community-focused institution rather than a national player. Its local relationships and knowledge of regional markets give it some competitive footing against larger banks, but its small size limits its ability to absorb economic shocks. The main risk the business faces is exposure to interest rate changes, which directly affect how much profit it earns on loans relative to what it pays depositors.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+14.4% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+22.0% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

13.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$1.0B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

BNCCORP is a rare growth stock that's already generating positive cash flow while growing at 14%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+22.5%

Fast-growing sales (+22.5% YoY)

Profit growth

EPS YoY

+15.1%

Earnings growing fast (+15.1% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

12.7x

no trend

Attractive valuation — P/E 12.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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