BNCCORP, Inc. (BNCC)
OTCMKTS · Delayed Price · Currency is USD
31.80
-0.20 (-0.62%)
Aug 20, 2026, 2:57 PM EST
BNCCORP Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 8.77 | 7.93 | 5.71 | 6.5 | 21.96 |
Depreciation & Amortization | 1.46 | 1.43 | 1.66 | 2.02 | 2.06 |
Gain (Loss) on Sale of Assets | 0.01 | 0.03 | 0.14 | -0.51 | 0.06 |
Gain (Loss) on Sale of Investments | 1.35 | 1.38 | 1.92 | 4.29 | 13.73 |
Provision for Credit Losses | 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 | -0.71 | -0.89 | -0.47 | 1.29 | 0.39 |
Change in Other Net Operating Assets | 0.74 | -1.36 | -1.21 | -1.53 | -4.76 |
Operating Cash Flow | 12.83 | 9.36 | 46.61 | 56.82 | 208.68 |
Operating Cash Flow Growth | 37.05% | -79.91% | -17.97% | -72.77% | - |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.33 | -1.05 | -0.53 | -0.52 | -0.86 |
Sale of Property, Plant and Equipment | - | - | 0.1 | 0.01 | - |
Investment in Securities | 18.54 | 29.68 | 16.5 | 10.74 | -33.97 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -40.41 | -30.6 | -52.51 | -87.78 | 34.68 |
Other Investing Activities | 0 | -0.02 | 0.69 | 0.03 | 1.11 |
Investing Cash Flow | -22.19 | -1.99 | -35.74 | -77.53 | 0.96 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | 0.1 | - | 41 | - | - |
Long-Term Debt Issued | - | - | - | 42.91 | 12.01 |
Total Debt Issued | 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 | -0.1 | - | -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 | 134.3 | 0.3 | 17.62 | -87.08 | 53.51 |
Financing Cash Flow | 120 | -9.01 | 17.62 | -93.39 | -34.02 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 110.64 | -1.64 | 28.49 | -114.09 | 175.62 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 12.5 | 8.31 | 46.08 | 56.31 | 207.82 |
Free Cash Flow Growth | 50.51% | -81.97% | -18.16% | -72.91% | - |
Free Cash Flow Margin | 32.69% | 22.90% | 111.42% | 112.12% | 272.38% |
Free Cash Flow Per Share | 3.53 | 2.34 | 12.87 | 15.75 | 58.23 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 16.92 | 15.09 | 10.34 | 2.57 | 2.47 |
Cash Income Tax Paid | 2.93 | 2.55 | 1.46 | -0.02 | 7.81 |