BNCCORP, Inc. Financial Ratios — BNCC Stock

Profitability (USD)

	2009 Y	2010 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-76.67	- -	- -	21.26	19.65	15.63	9.42	11.86	15.49	56.43	25.17	7.43	6.31	9.22	10.56
Return on Assets (%)	-2.17	-2.73	1.09	0.95	1	0.79	0.53	0.71	1.06	4.37	2.07	0.65	0.6	0.82	0.85
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	9.08	7.46	8.02	5.4	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-41.43	-43.73	27.85	29.72	28.96	21.83	3.44	3.26	2.51	1.19	2.7	4.03	3.92	3.86	3.65
Operating Margin (%)	-44.64	-46.55	25.34	26.99	26.15	18.9	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	1,827.16	-2.87	16.06	-226.53	221.63	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-44.64	-46.55	25.34	26.99	26.15	18.9	16.68	17.67	22.74	49.45	37.77	16.63	17.29	27.78	28.7
Profit Margin (%)	-41.08	-46.7	17.56	18.22	18.3	13.82	10.3	14.43	17.69	37.72	28.89	12.98	13.48	21.46	22.01
Net Income to Common Margin (%)	-43.83	-46.7	14.87	14.35	15.01	13.82	10.3	14.43	17.69	37.72	28.89	12.98	13.48	21.46	22.01
Effective Tax Rate (%)	- -	- -	30.7	32.5	30	26.88	38.24	18.37	22.2	23.72	23.52	21.96	22.02	22.76	23.32
Dvd Payout Ratio (%)	2.16	- -	46	-1.47	3.34	- -	- -	- -	- -	- -	228.87	96.97	- -	102.71	163.08
Sustainable Growth Rate (%)	-75.02	- -	- -	21.57	18.99	15.63	9.42	11.86	15.49	56.43	-32.44	0.23	6.31	-0.25	-6.66

Credit (USD)

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	2009 Y	2010 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	48	40	42	31	46	76	43	25	35	49	17	17	17	16	16
ST Debt	10	16	20	16	14	13	18	- -	- -	- -	- -	1	- -	- -	- -
LT Debt	38	24	22	15	32	63	25	25	35	49	17	17	16	16	16
Total Debt/EBITDA	-2.54	-1.96	3.1	2.25	3.17	6.68	26.46	16.19	23.99	34.56	8.42	8.61	9.95	11.32	11.01
Net Debt/EBITDA	-0.67	3.5	1.72	-0.73	2.13	5.7	10.59	-0.11	14.8	23.83	-84.21	-29.21	-52.4	-59.77	-134.61
Total Debt/EBIT	-2.36	-1.84	3.41	2.48	3.51	7.72	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-0.62	3.29	1.89	-0.81	2.36	6.58	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.86	-0.98	3.32	3.71	4.67	5.42	5.73	6.29	7.35	8.1	8.35	9.29	9.63	8.14	7.95
Long-Term Debt/Equity (%)	66.17	64.67	32.11	17.99	46.84	84.93	32.22	32.16	36.17	41.04	15.05	16.6	14.84	17.26	15.06
Long-Term Debt/Capital (%)	44.85	44.98	24.52	17.31	36.57	50.46	25.71	29.05	32.88	35.8	16.52	15.87	14.67	17.04	15.49
Long-Term Debt/Total Assets (%)	4.36	3.23	2.66	1.61	3.57	6.92	2.64	2.58	3.6	4.52	1.65	1.77	1.66	1.67	1.46
Total Debt/Equity (%)	83.96	108.42	60.69	37.16	66.92	101.79	55.46	32.16	36.17	41.04	15.05	17.32	15.23	17.26	15.06
Total Debt/Capital (%)	56.92	75.41	46.34	35.75	52.24	60.47	44.25	29.05	32.88	35.8	16.52	16.55	15.05	17.04	15.49
Total Debt/Total Assets (%)	5.54	5.42	5.03	3.32	5.11	8.3	4.55	2.58	3.6	4.52	1.65	1.84	1.71	1.67	1.46
Net Debt to Equity	22.21	-193.95	33.68	-12.1	44.9	86.81	22.19	-0.23	22.31	28.3	-150.5	-58.76	-80.24	-91.12	-184.01
Net Debt/Capital (%)	25.89	122.3	32.4	-22.13	42.33	56.61	24.1	-0.29	22.52	27.18	207.65	-190.09	-1,194.92	1,434.95	181.57
EBITDA	-19	-21	14	14	15	11	2	2	1	1	2	2	2	1	1
EBITDA-CapEx	-20	-21	11	10	12	8	- -	- -	- -	1	1	2	1	- -	1
Operating Income (Loss)	-20	-22	12	13	13	10	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2009 Y	2010 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.86	-0.98	3.32	3.71	4.67	5.42	5.73	6.29	7.35	8.1	8.35	9.29	9.63	8.14	7.95
Long-Term Debt/Equity (%)	66.17	64.67	32.11	17.99	46.84	84.93	32.22	32.16	36.17	41.04	15.05	16.6	14.84	17.26	15.06
Long-Term Debt/Capital (%)	44.85	44.98	24.52	17.31	36.57	50.46	25.71	29.05	32.88	35.8	16.52	15.87	14.67	17.04	15.49
Long-Term Debt/Total Assets (%)	4.36	3.23	2.66	1.61	3.57	6.92	2.64	2.58	3.6	4.52	1.65	1.77	1.66	1.67	1.46
Total Debt/Equity (%)	83.96	108.42	60.69	37.16	66.92	101.79	55.46	32.16	36.17	41.04	15.05	17.32	15.23	17.26	15.06
Total Debt/Capital (%)	56.92	75.41	46.34	35.75	52.24	60.47	44.25	29.05	32.88	35.8	16.52	16.55	15.05	17.04	15.49
Total Debt/Total Assets (%)	5.54	5.42	5.03	3.32	5.11	8.3	4.55	2.58	3.6	4.52	1.65	1.84	1.71	1.67	1.46
CFO/Total Liabilities	1.01	2.08	11.99	2.28	2.75	3.12	2.7	3.44	-10.58	-5.78	22.38	6.74	5.42	1.07	1.29
CFO/CapEx	7.5	24.42	33.74	5.67	8.02	7.81	13.56	24.99	-83.48	-143.06	242.09	109.7	87.78	8.88	39.24
Altman's Z-Score	0.01	-0.04	0.18	0.19	0.21	0.23	0.2	0.18	0.25	0.32	0.29	0.26	0.25	0.23	0.22

Working Capital (USD)

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	2009 Y	2010 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	30.78	18.5	17.26	12.4	12.64	12.23	10.19	9.55	13.21	28.15	20.8	16.98	11.26	8.89	9.37
Days Sales Outstanding	11.86	19.73	21.14	29.43	28.88	29.86	35.8	38.23	27.64	12.97	17.55	21.49	32.43	41.06	38.94
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2009 Y	2010 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	6	5	40	58	56	90	108	72	122	161	159	106	102	114	118
- Cash & Cash Equivalents	35	113	19	41	15	11	26	25	11	12	188	74	102	101	211
+ Preferred Equity and Hybrid Capital	20	20	21	21	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	48	40	42	31	46	76	43	25	35	49	17	17	17	16	16
Enterprise Value	39	-47	-351	-381	-333	-246	-287	-340	-119	14	-221	-125	-144	-69	-161
Total Capital	84	54	91	87	88	125	97	86	106	136	105	105	110	95	104
Total Debt/Capital (%)	56.92	75.41	46.34	35.75	52.24	60.47	44.25	29.05	32.88	35.8	16.52	16.55	15.05	17.04	15.49
Total Debt / EV	1.22	-0.86	-0.12	-0.08	-0.14	-0.31	-0.15	-0.07	-0.29	3.57	-0.08	-0.14	-0.12	-0.24	-0.1
EV/Sales	0.86	- -	- -	- -	- -	- -	- -	- -	- -	0.11	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.69	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	4.81	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	4.24	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	6	5	42	60	57	92	110	73	123	161	159	106	102	114	118
Diluted Enterprise Value	39	-47	87	71	88	156	127	72	148	197	-12	50	16	29	-77
EV per Share	12.07	- -	- -	- -	- -	- -	- -	- -	- -	3.82	- -	- -	- -	- -	- -
TTM Sales	46	47	49	46	50	52	47	47	58	118	76	50	42	37	40
TTM EBITDA	-19	-21	14	14	15	11	2	2	1	1	2	2	2	1	1
TTM Operating Income	-20	-22	12	13	13	10	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	15	93	19	23	26	23	31	-92	-55	209	57	47	9	13
TTM Free Cash Flow to Firm	9	15	95	23	26	29	25	32	-91	-55	210	57	47	10	13

Multiples (USD)

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	2009 Y	2010 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	0.69	0.3	0.44	2.62	2.22	3.12	4.36	2.27	-1.35	-2.94	0.76	1.85	2.17	10.94	8.96
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	39	-47	-351	-381	-333	-246	-287	-340	-119	14	-221	-125	-144	-69	-161
Low Price	1.75	1.2	10.3	12.02	15	14.26	25.05	18.2	20.5	15.6	36	24.5	20.6	20.1	27
EV/Sales	0.86	- -	- -	- -	- -	- -	- -	- -	- -	0.11	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.69	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	5.51	8.65	7.36	12.55	22.08	10.46	11.94	3.61	7.23	16.36	17.9	14.36	13.45
Price/Earnings Average	-0.98	-0.33	5.52	8.15	7.33	8.77	19.02	13.45	10.09	2.32	6.45	17.1	15.36	11.62	12.16
Price/Earnings High	-1.38	-0.59	6.5	9.36	7.8	12.71	22.08	15.82	12.14	3.67	8.09	24.52	19.62	15.85	13.57
Price/Earnings Low	-0.28	-0.18	4.65	6.08	6.73	6.87	17.85	9.29	7.06	1.25	5.85	13.47	12.92	8.99	10.9
Price/Book Value	0.39	-0.63	1.44	1.66	1.32	1.82	1.99	1.17	1.72	1.85	1.82	1.21	1.1	1.45	1.35
Price/Book Value Average	1.22	-0.99	1.44	1.57	1.31	1.27	1.71	1.51	1.45	1.19	1.62	1.27	0.94	1.17	1.22
Price/Book Value High	1.72	-1.8	1.7	1.8	1.4	1.84	1.99	1.77	1.75	1.88	2.03	1.82	1.2	1.6	1.36
Price/Book Value Low	0.35	-0.54	1.21	1.17	1.2	1	1.6	1.04	1.02	0.64	1.47	1	0.79	0.91	1.09
Price/Tangible Book Value	0.17	0.27	0.82	0.92	0.81	1.21	1.39	0.92	1.27	1.36	1.38	1.06	0.94	1.22	1.11
Price/Tangible Book Value Average	0.53	0.43	0.83	0.87	0.8	0.85	1.19	1.18	1.07	0.88	1.23	1.11	0.81	0.98	1
Price/Tangible Book Value High	0.75	0.78	0.97	1	0.85	1.23	1.39	1.39	1.29	1.39	1.55	1.59	1.03	1.34	1.12
Price/Tangible Book Value Low	0.15	0.23	0.7	0.65	0.74	0.66	1.12	0.82	0.75	0.47	1.12	0.87	0.68	0.76	0.9
Price/Sales	0.14	0.1	0.82	1.24	1.1	1.73	2.27	1.51	2.11	1.36	2.09	2.12	2.41	3.08	2.96
Price/Sales Average	0.43	0.15	0.82	1.17	1.1	1.21	1.96	1.94	1.78	0.88	1.86	2.22	2.07	2.49	2.68
Price/Sales High	0.61	0.28	0.97	1.34	1.17	1.76	2.27	2.28	2.15	1.39	2.34	3.18	2.65	3.4	2.99
Price/Sales Low	0.12	0.08	0.69	0.87	1.01	0.95	1.84	1.34	1.25	0.47	1.69	1.75	1.74	1.93	2.4
Price/Cash Flow	0.78	0.31	0.43	2.97	2.41	3.44	4.6	2.33	-1.33	-2.92	0.76	1.87	2.19	12.16	9.19
Price/Cash Flow Average	2.4	0.49	0.43	2.8	2.41	2.41	3.96	2.99	-1.12	-1.87	0.68	1.96	1.88	9.84	8.31
Price/Cash Flow High	3.39	0.89	0.51	3.22	2.56	3.49	4.6	3.52	-1.35	-2.97	0.85	2.81	2.4	13.43	9.27
Price/Cash Flow Low	0.7	0.27	0.37	2.09	2.21	1.89	3.72	2.06	-0.79	-1.01	0.62	1.54	1.58	7.61	7.45
Price/Free Cash Flow Average	2.13	0.47	0.44	2.47	2.21	2.18	3.76	2.92	-1.14	-1.89	0.68	1.94	1.86	8.85	8.11
Price/Free Cash Flow High	3	0.85	0.52	2.83	2.35	3.16	4.36	3.43	-1.38	-2.99	0.85	2.78	2.38	12.08	9.05
Price/Free Cash Flow Low	0.62	0.26	0.37	1.84	2.03	1.71	3.53	2.01	-0.8	-1.01	0.61	1.53	1.56	6.85	7.27
EV/Sales Average	1.15	- -	1.73	1.41	1.72	2.46	2.32	1.94	2.2	1.18	- -	1.09	0.04	0.2	- -
EV/Sales High	1.33	- -	1.87	1.58	1.79	3	2.64	2.28	2.57	1.69	0.09	2.05	0.61	1.11	- -
EV/Sales Low	0.85	- -	1.6	1.11	1.63	2.19	2.2	1.34	1.67	0.78	- -	0.62	- -	- -	- -
EV/EBITDA Average	-2.78	2.16	6.21	4.73	5.93	11.25	67.6	59.38	87.83	99.43	-14.16	27.03	1.02	5.22	-60.96
EV/EBITDA High	-3.21	1.88	6.73	5.32	6.17	13.74	76.8	69.87	102.34	142.44	3.39	50.92	15.66	28.74	-52.49
EV/EBITDA Low	-2.04	2.32	5.74	3.73	5.61	10.05	64.09	40.97	66.52	65.29	-20.58	15.34	-7.38	-9.37	-68.54
EV/EBIT Average	-2.58	2.03	6.82	5.21	6.57	12.99	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-2.98	1.76	7.4	5.85	6.84	15.88	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-1.9	2.18	6.31	4.11	6.22	11.6	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	1.95	1.41	12.2	17.1	16.4	26.05	31	20.5	34.65	45.25	44.49	29.75	28.55	32.1	33.3
High Price	8.5	4	14.4	18.5	17.4	26.39	31	31	35.25	46	49.8	44.6	31.29	35.45	33.6
Enterprise Value Average	53	-45	85	65	86	127	110	92	128	140	-29	55	2	7	-89
Enterprise Value High	61	-39	92	73	90	155	125	108	149	200	7	103	26	41	-76
Enterprise Value Low	39	-48	79	51	82	114	104	63	97	92	-42	31	-12	-13	-100

Shares Outstanding	3	3	3	3	3	3	3	3	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	3	3	3	3	3	4	4	4	4	4	4	4	4	4	4
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	4	4	4	4	4	4	4
Revenue per Share	14.01	14.4	14.9	13.78	14.85	15.02	13.63	13.59	16.41	33.19	21.3	14.01	11.83	10.42	11.25
EBITDA per Share	-5.81	-6.3	4.15	4.09	4.3	3.28	0.47	0.44	0.41	0.39	0.58	0.56	0.46	0.4	0.41
Operating Income per Share	-6.25	-6.7	3.78	3.72	3.88	2.84	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-6.14	-6.72	2.22	1.98	2.23	2.08	1.4	1.96	2.9	12.52	6.15	1.82	1.59	2.24	2.48
Basic EPS from Cont Ops	-5.76	-6.72	2.62	2.51	2.72	2.08	1.4	1.96	2.9	12.52	6.15	1.82	1.59	2.24	2.48
Diluted EPS, GAAP	-6.12	-6.72	2.11	1.91	2.16	2.03	1.38	1.93	2.88	12.52	6.15	1.82	1.59	2.23	2.48
Diluted EPS from Cont Ops	-5.74	-6.72	2.49	2.42	2.63	2.03	1.38	1.93	2.88	12.52	6.15	1.82	1.59	2.23	2.48
Dividend per Share	0.25	- -	1.42	0.5	0.56	- -	- -	- -	- -	- -	14.08	1.76	- -	2.3	4.04
Cash Flow per Share	2.51	4.49	28.12	5.75	6.79	7.56	6.74	8.81	-26.11	-15.5	58.48	15.9	13.03	2.64	3.62
Free Cash Flow per Basic Share	2.18	4.31	27.29	4.73	5.95	6.59	6.24	8.46	-26.43	-15.61	58.24	15.75	12.88	2.34	3.53
Cash & Equivalents per Share	10.84	34.39	137.87	145.58	128.31	119.28	125.97	125.2	78.22	55.05	111.26	69.63	73.3	56.05	83.34
Book Value per Share	4.94	-2.22	8.49	10.29	12.46	14.32	15.61	17.51	20.16	24.42	24.5	24.51	26.06	22.2	24.7
Tangible Book Value per Share	11.34	5.13	14.79	18.52	20.37	21.52	22.34	22.29	27.3	33.18	32.22	28.08	30.31	26.42	30.08

BNCCORP, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)