BNCCORP, Inc. (BNCC)

BNCCORP Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	8.89	8.77	7.93	5.71	6.5	21.96
Depreciation & Amortization	1.45	1.46	1.43	1.66	2.02	2.06
Gain (Loss) on Sale of Assets	0.01	0.01	0.03	0.14	-0.51	0.06
Gain (Loss) on Sale of Investments	1.2	1.35	1.38	1.92	4.29	13.73
Provision for Credit Losses	1.78	1.6	0.64	0.82	-0.15	-0.35
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	-	-	37.82	42.6	168.11
Accrued Interest Receivable	-1.08	-0.71	-0.89	-0.47	1.29	0.39
Change in Other Net Operating Assets	3.41	0.74	-1.36	-1.21	-1.53	-4.76
Operating Cash Flow	15.25	12.83	9.36	46.61	56.82	208.68
Operating Cash Flow Growth	35.42%	37.05%	-79.91%	-17.97%	-72.77%	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-0.83	-0.33	-1.05	-0.53	-0.52	-0.86
Sale of Property, Plant and Equipment	-	-	-	0.1	0.01	-
Investment in Securities	18.48	18.54	29.68	16.5	10.74	-33.97
Net Decrease (Increase) in Loans Originated / Sold - Investing	6.69	-40.41	-30.6	-52.51	-87.78	34.68
Other Investing Activities	-0.08	0	-0.02	0.69	0.03	1.11
Investing Cash Flow	24.26	-22.19	-1.99	-35.74	-77.53	0.96

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	0.1	-	41	-	-
Long-Term Debt Issued	-	-	-	-	42.91	12.01
Total Debt Issued	0.2	0.1	-	41	42.91	12.01
Short-Term Debt Repaid	-	-0.1	-	-41	-	-6.39
Long-Term Debt Repaid	-	-	-	-	-42.91	-42.91
Total Debt Repaid	-0.2	-0.1	-	-41	-42.91	-49.3
Net Debt Issued (Repaid)	-	-	-	-	-	-37.29
Repurchase of Common Stock	-	-	-1.16	-	-	-
Common Dividends Paid	-	-	-	-	-6.3	-50.25
Total Dividends Paid	-	-	-	-	-6.3	-50.25
Net Increase (Decrease) in Deposit Accounts	90.84	134.3	0.3	17.62	-87.08	53.51
Other Financing Activities	14.3	-	-	-	-	-
Financing Cash Flow	90.84	120	-9.01	17.62	-93.39	-34.02

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	130.34	110.64	-1.64	28.49	-114.09	175.62

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	14.41	12.5	8.31	46.08	56.31	207.82
Free Cash Flow Growth	33.53%	50.51%	-81.97%	-18.16%	-72.91%	-
Free Cash Flow Margin	35.58%	32.69%	22.90%	111.42%	112.12%	272.38%
Free Cash Flow Per Share	4.07	3.53	2.34	12.87	15.75	58.23

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	17.72	16.92	15.09	10.34	2.57	2.47
Cash Income Tax Paid	2.65	2.93	2.55	1.46	-0.02	7.81

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 9, 2026

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