BANC OF CALIFORNIA INC (BANC) Fundamental Analysis & Valuation

NYSE:BANC • US05990K1060

16.8 USD
+0.02 (+0.12%)
At close: Mar 12, 2026
16.8 USD
0 (0%)
After Hours: 3/12/2026, 7:25:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This BANC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall BANC gets a fundamental rating of 4 out of 10. We evaluated BANC against 381 industry peers in the Banks industry. Both the profitability and financial health of BANC have multiple concerns. BANC is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

2

1. BANC Profitability Analysis

1.1 Basic Checks

  • In the past year BANC was profitable.
  • In the past year BANC had a positive cash flow from operations.
  • BANC had positive earnings in 4 of the past 5 years.
  • BANC had a positive operating cash flow in 4 of the past 5 years.
BANC Yearly Net Income VS EBIT VS OCF VS FCFBANC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M -1B -1.5B

1.2 Ratios

  • BANC has a Return On Assets of 0.50%. This is amonst the worse of the industry: BANC underperforms 80.84% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.87%, BANC is doing worse than 80.31% of the companies in the same industry.
Industry RankSector Rank
ROA 0.5%
ROE 4.87%
ROIC N/A
ROA(3y)-1.41%
ROA(5y)-0.49%
ROE(3y)-16.45%
ROE(5y)-6.51%
ROIC(3y)N/A
ROIC(5y)N/A
BANC Yearly ROA, ROE, ROICBANC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -20 -40

1.3 Margins

  • BANC has a Profit Margin of 15.47%. This is in the lower half of the industry: BANC underperforms 77.95% of its industry peers.
  • In the last couple of years the Profit Margin of BANC has declined.
  • BANC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 15.47%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.48%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BANC Yearly Profit, Operating, Gross MarginsBANC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200 -400 -600

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1

2. BANC Health Analysis

2.1 Basic Checks

  • BANC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BANC has been reduced compared to 1 year ago.
  • Compared to 5 years ago, BANC has more shares outstanding
  • The debt/assets ratio for BANC is higher compared to a year ago.
BANC Yearly Shares OutstandingBANC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
BANC Yearly Total Debt VS Total AssetsBANC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • BANC has a debt to FCF ratio of 5.55. This is a neutral value as BANC would need 5.55 years to pay back of all of its debts.
  • BANC has a worse Debt to FCF ratio (5.55) than 71.39% of its industry peers.
  • A Debt/Equity ratio of 0.36 indicates that BANC is not too dependend on debt financing.
  • The Debt to Equity ratio of BANC (0.36) is worse than 71.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 5.55
Altman-Z N/A
ROIC/WACCN/A
WACC18.34%
BANC Yearly LT Debt VS Equity VS FCFBANC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BANC Yearly Current Assets VS Current LiabilitesBANC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. BANC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 51.22% over the past year.
  • BANC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.92% yearly.
  • BANC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.60%.
  • Measured over the past years, BANC shows a very strong growth in Revenue. The Revenue has been growing by 35.72% on average per year.
EPS 1Y (TTM)51.22%
EPS 3Y-14.3%
EPS 5Y19.92%
EPS Q2Q%50%
Revenue 1Y (TTM)11.6%
Revenue growth 3Y49.99%
Revenue growth 5Y35.72%
Sales Q2Q%8.32%

3.2 Future

  • The Earnings Per Share is expected to grow by 24.23% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 10.96% on average over the next years. This is quite good.
EPS Next Y39.67%
EPS Next 2Y30.09%
EPS Next 3Y24.23%
EPS Next 5YN/A
Revenue Next Year16.87%
Revenue Next 2Y12.36%
Revenue Next 3Y10.96%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
BANC Yearly Revenue VS EstimatesBANC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
BANC Yearly EPS VS EstimatesBANC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5 2

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5

4. BANC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.55, the valuation of BANC can be described as correct.
  • BANC's Price/Earnings ratio is a bit more expensive when compared to the industry. BANC is more expensive than 65.62% of the companies in the same industry.
  • BANC is valuated rather cheaply when we compare the Price/Earnings ratio to 25.71, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 9.70 indicates a reasonable valuation of BANC.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BANC.
  • When comparing the Price/Forward Earnings ratio of BANC to the average of the S&P500 Index (23.82), we can say BANC is valued rather cheaply.
Industry RankSector Rank
PE 13.55
Fwd PE 9.7
BANC Price Earnings VS Forward Price EarningsBANC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BANC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.17
EV/EBITDA N/A
BANC Per share dataBANC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as BANC's earnings are expected to grow with 24.23% in the coming years.
PEG (NY)0.34
PEG (5Y)0.68
EPS Next 2Y30.09%
EPS Next 3Y24.23%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BANC Dividend Analysis

5.1 Amount

  • BANC has a Yearly Dividend Yield of 2.69%.
  • Compared to an average industry Dividend Yield of 2.86, BANC has a dividend in line with its industry peers.
  • BANC's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.69%

5.2 History

  • The dividend of BANC has a limited annual growth rate of 0.59%.
  • BANC has paid a dividend for at least 10 years, which is a reliable track record.
  • BANC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.59%
Div Incr Years0
Div Non Decr Years4
BANC Yearly Dividends per shareBANC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 63.67% of the earnings are spent on dividend by BANC. This is not a sustainable payout ratio.
  • The dividend of BANC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP63.67%
EPS Next 2Y30.09%
EPS Next 3Y24.23%
BANC Yearly Income VS Free CF VS DividendBANC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M -1B -1.5B
BANC Dividend Payout.BANC Dividend Payout, showing the Payout Ratio.BANC Dividend Payout.PayoutRetained Earnings

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BANC Fundamentals: All Metrics, Ratios and Statistics

BANC OF CALIFORNIA INC

NYSE:BANC (3/12/2026, 7:25:36 PM)

After market: 16.8 0 (0%)

16.8

+0.02 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-21
Inst Owners88.18%
Inst Owner Change-6.95%
Ins Owners0.89%
Ins Owner Change2.73%
Market Cap2.53B
Revenue(TTM)1.12B
Net Income(TTM)168.71M
Analysts83.53
Price Target23.97 (42.68%)
Short Float %4.86%
Short Ratio2.76
Dividend
Industry RankSector Rank
Dividend Yield 2.69%
Yearly Dividend0.64
Dividend Growth(5Y)0.59%
DP63.67%
Div Incr Years0
Div Non Decr Years4
Ex-Date03-16
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-19.77%
Min EPS beat(2)-55.21%
Max EPS beat(2)15.66%
EPS beat(4)3
Avg EPS beat(4)3.07%
Min EPS beat(4)-55.21%
Max EPS beat(4)34.53%
EPS beat(8)5
Avg EPS beat(8)252.12%
EPS beat(12)6
Avg EPS beat(12)167.19%
EPS beat(16)7
Avg EPS beat(16)122.58%
Revenue beat(2)0
Avg Revenue beat(2)-3.41%
Min Revenue beat(2)-5.78%
Max Revenue beat(2)-1.04%
Revenue beat(4)0
Avg Revenue beat(4)-5.44%
Min Revenue beat(4)-8.4%
Max Revenue beat(4)-1.04%
Revenue beat(8)1
Avg Revenue beat(8)-5.94%
Revenue beat(12)2
Avg Revenue beat(12)-4.87%
Revenue beat(16)6
Avg Revenue beat(16)-2.91%
PT rev (1m)0%
PT rev (3m)13.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.25%
EPS NY rev (1m)-0.25%
EPS NY rev (3m)-0.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.27%
Valuation
Industry RankSector Rank
PE 13.55
Fwd PE 9.7
P/S 2.32
P/FCF 11.17
P/OCF 10.83
P/B 0.73
P/tB 0.8
EV/EBITDA N/A
EPS(TTM)1.24
EY7.38%
EPS(NY)1.73
Fwd EY10.31%
FCF(TTM)1.5
FCFY8.95%
OCF(TTM)1.55
OCFY9.23%
SpS7.25
BVpS23.04
TBVpS20.87
PEG (NY)0.34
PEG (5Y)0.68
Graham Number25.36
Profitability
Industry RankSector Rank
ROA 0.5%
ROE 4.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.47%
GM N/A
FCFM 20.74%
ROA(3y)-1.41%
ROA(5y)-0.49%
ROE(3y)-16.45%
ROE(5y)-6.51%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-21.48%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 5.55
Debt/EBITDA N/A
Cap/Depr 8.87%
Cap/Sales 0.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 134.07%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC18.34%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)51.22%
EPS 3Y-14.3%
EPS 5Y19.92%
EPS Q2Q%50%
EPS Next Y39.67%
EPS Next 2Y30.09%
EPS Next 3Y24.23%
EPS Next 5YN/A
Revenue 1Y (TTM)11.6%
Revenue growth 3Y49.99%
Revenue growth 5Y35.72%
Sales Q2Q%8.32%
Revenue Next Year16.87%
Revenue Next 2Y12.36%
Revenue Next 3Y10.96%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y878.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y492.98%
OCF growth 3YN/A
OCF growth 5YN/A

BANC OF CALIFORNIA INC / BANC FAQ

What is the ChartMill fundamental rating of BANC OF CALIFORNIA INC (BANC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to BANC.


What is the valuation status for BANC stock?

ChartMill assigns a valuation rating of 5 / 10 to BANC OF CALIFORNIA INC (BANC). This can be considered as Fairly Valued.


Can you provide the profitability details for BANC OF CALIFORNIA INC?

BANC OF CALIFORNIA INC (BANC) has a profitability rating of 2 / 10.


What are the PE and PB ratios of BANC OF CALIFORNIA INC (BANC) stock?

The Price/Earnings (PE) ratio for BANC OF CALIFORNIA INC (BANC) is 13.55 and the Price/Book (PB) ratio is 0.73.


Is the dividend of BANC OF CALIFORNIA INC sustainable?

The dividend rating of BANC OF CALIFORNIA INC (BANC) is 5 / 10 and the dividend payout ratio is 63.67%.