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BNCCORP, Inc (BNCC) Fair Value & Analysis

Financial Services · US · Market cap $121M

Price$35.90
Fair Value$32.39
Upside-9.8%
Quality95/100
Evidence: High Range $24.29 – $40.49

Fair value as of: Jun 26, 2026

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Analysis

BNCCORP, Inc (BNCC) currently trades at $35.90, while our model-based Fair Value estimate is $32.39 — implying the stock looks roughly 9.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 services to small to middle-sized businesses. It also provides retail banking services, including personal checking and savings products, personal loans, and card services; and wealth management solutions, such as personal wealth advisory services, 401(k), other retirement plan administration, and trust services. In addition, the company offers business loans comprising revolving lines of credit, working capital loans, equipment financing, construction loans, letters of credit, aircraft loans, and agribusiness loans; and vehicle loans, home equity line of credit, and real estate loans. Furt…

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Frequently asked questions

Is BNCCORP, Inc (BNCC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $32.39 versus a price of $35.90 — about −10% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BNCC?
Our 21-model fair value for BNCCORP, Inc is $32.39 (as of Jun 26, 2026), built from audited fundamentals. The current price is $35.90.
What is the quality score of BNCC?
BNCCORP, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.