Analyzing BNCCORP (OTCMKTS:BNCC) & Old National Bancorp (NASDAQ:ONB)

Old National Bancorp (NASDAQ:ONB) and BNCCORP (OTCMKTS:BNCC) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, risk, earnings, valuation and institutional ownership.

Valuation and Earnings

This table compares Old National Bancorp and BNCCORP”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Old National Bancorp	$2.32 billion	3.65	$539.19 million	$1.71	12.70
BNCCORP	$52.44 million	2.10	$7.93 million	$2.50	12.40

Old National Bancorp has higher revenue and earnings than BNCCORP. BNCCORP is trading at a lower price-to-earnings ratio than Old National Bancorp, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Old National Bancorp has a beta of 0.89, suggesting that its stock price is 11% less volatile than the S&P 500. Comparatively, BNCCORP has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500.

Profitability

This table compares Old National Bancorp and BNCCORP’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Old National Bancorp	17.39%	14.95%	1.19%
BNCCORP	15.39%	8.30%	0.87%

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Old National Bancorp and BNCCORP, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Old National Bancorp	0	4	6	1	2.73
BNCCORP	0	0	0	0	0.00

Old National Bancorp presently has a consensus price target of $26.10, indicating a potential upside of 20.19%. Given Old National Bancorp’s stronger consensus rating and higher probable upside, research analysts plainly believe Old National Bancorp is more favorable than BNCCORP.

Insider and Institutional Ownership

83.7% of Old National Bancorp shares are owned by institutional investors. 0.9% of Old National Bancorp shares are owned by company insiders. Comparatively, 28.4% of BNCCORP shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

Old National Bancorp beats BNCCORP on 12 of the 15 factors compared between the two stocks.

About Old National Bancorp

Old National Bancorp operates as the bank holding company for Old National Bank that provides various financial services to individual and commercial customers in the United States. It accepts deposit accounts, including noninterest-bearing demand, interest-bearing checking, negotiable order of withdrawal, savings and money market, and time deposits; and offers loans, such as home equity lines of credit, residential real estate loans, consumer loans, commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. The company also provides debit and automated teller machine cards, telephone access, online banking, and other electronic and mobile banking services; cash management, private banking, brokerage, trust, investment advisory, and other traditional banking services; wealth management, investment, and foreign currency services; and treasury management, merchant, and capital markets services, as well as community development lending and equity investment solutions. The company was founded in 1834 and is headquartered in Evansville, Indiana.

About BNCCORP

BNCCORP, Inc. operates as the bank holding company for BNC National Bank that provides community banking, retail and mortgage banking, and wealth management services to businesses and consumers. The company offers commercial banking services, including business financing, commercial real estate lending, small business administration loans, business checking, cash management, corporate credit cards, and merchant services to small to middle-market businesses. It also provides retail and mortgage banking services, such as personal checking and savings products, personal loans, and card services; and residential loans through a consumer direct channel, as well as a retail channel. In addition, the company offers wealth management solutions, including 401(k) and other retirement plans, trust services, and personal wealth advisory services. It offers community banking and wealth management services through 11 locations in Arizona and North Dakota; and mortgage banking services through 7 locations in Arizona, North Dakota, Illinois, and Kansas. The company was incorporated in 1987 and is headquartered in Bismarck, North Dakota.