BNCC (BNCCorp Inc) vs S&P 500 Comparison

BNCC

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BNCC

S&P 500

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BNCC

S&P 500

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Back to BNCC Analysis

BNCCorp Inc
Glance View

Market Cap

108.3m USD

Industry

Banking

BNCCORP, Inc. is a bank holding company, which engages in the operation of community banking and wealth management businesses. The company is headquartered in Bismarck, North Dakota and currently employs 281 full-time employees. The company operates community banking branches and wealth management offices in Arizona, Minnesota and North Dakota. The firm operates through its subsidiaries BNC National Bank (the Bank). BNC National Bank operates in North Dakota, Arizona and Minnesota from 13 locations. The company is focused on three areas: Commercial Banking, Retail and Mortgage Banking and Wealth Management. Commercial Banking provides commercial banking services, including business financing, commercial real estate lending, small business loans, business checking, cash management, corporate credit cards and merchant services. Retail and Mortgage Banking provides services to consumers include retail banking, provided through a network of locations in North Dakota and Arizona, complimented by on-line and mobile banking solutions. Wealth Management provides personal wealth advisory services, other retirement plan administration and trust services.

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BNCC Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

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BNCC

vs

S&P 500

Stocks Performance
BNCC vs S&P 500

Performance Gap
BNCC vs S&P 500

Performance By Year
BNCC vs S&P 500

Competitors Performance
BNCCorp Inc vs Peers

BNCCorp Inc
Glance View

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BNCC vs S&P 500

Stocks Performance BNCC vs S&P 500

Performance Gap BNCC vs S&P 500

Performance By Year BNCC vs S&P 500

Competitors Performance BNCCorp Inc vs Peers

BNCCorp Inc Glance View

Company

Help

Tools

Stocks

BNCC

vs

S&P 500

Stocks Performance
BNCC vs S&P 500

Performance Gap
BNCC vs S&P 500

Performance By Year
BNCC vs S&P 500

Competitors Performance
BNCCorp Inc vs Peers

BNCCorp Inc
Glance View