BNC BANCORP
Financials · National Commercial Banks · NC · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $62.9M | $44.5M | $29.4M | $17.2M | $10.5M | $6.9M |
| Total assets | $7.40B | $5.67B | $4.07B | $3.23B | $3.08B | $2.45B |
| Total liabilities | $6.50B | $5.07B | $3.68B | $2.96B | $2.80B | $2.29B |
| Equity | $901.9M | $592.1M | $390.4M | $271.3M | $282.2M | $163.9M |
| EPS (diluted) | $1.39 | $1.24 | $1.01 | $0.61 | $0.48 | $0.45 |
| Shares out. | 40.8M | 32.7M | 27.3M | 26.5M | 9.1M | 9.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2016- Operating margin
- —
- Net margin
- —
- Return on equity
- 7.0%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.8%
- Debt / equity
- 7.21×
- Book value / share
- $22.11
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 41.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2016- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 4/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Nov 29, 2011
- NT 10-Kmissed a reporting deadline ↗Mar 17, 2009
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylawsJun 16, 2017
- Shareholder vote · Other material eventJun 13, 2017
- Other material eventJun 2, 2017
- Other material eventApr 21, 2017
- Results of operationsApr 20, 2017
- Regulation FD disclosure · Other material eventApr 6, 2017
- Entered a material agreement · Amended charter or bylaws · Regulation FD disclosureJan 23, 2017
- Results of operationsJan 23, 2017
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-15DFORM 15-15DJun 27, 2017
- 15-12GFORM 15-12GJun 27, 2017
- EFFECTJun 21, 2017
- EFFECTJun 21, 2017
- EFFECTJun 21, 2017
- EFFECTJun 21, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
- 4FORM 4 SUBMISSIONJun 19, 2017
Event-driven situations (1)
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