BANC OF CALIFORNIA INC (BANC) Stock Fundamental Analysis
NYSE:BANC - US05990K1060 - Common Stock
16.785 USD
-0.14 (-0.8%)
Taking everything into account, BANC scores 3 out of 10 in our fundamental rating. BANC was compared to 395 industry peers in the Banks industry. BANC has a bad profitability rating. Also its financial health evaluation is rather negative. BANC is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
BANC had positive earnings in the past year.
BANC had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: BANC reported negative net income in multiple years.
Each year in the past 5 years BANC had a positive operating cash flow.
1.2 Ratios
BANC has a Return On Assets of 0.31%. This is amonst the worse of the industry: BANC underperforms 83.04% of its industry peers.
BANC has a Return On Equity of 3.15%. This is amonst the worse of the industry: BANC underperforms 83.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 3.15% | ||
| ROIC | N/A |
ROA(3y)-1.17%
ROA(5y)-0.6%
ROE(3y)-14.21%
ROE(5y)-7.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of BANC (10.58%) is worse than 82.78% of its industry peers.
In the last couple of years the Profit Margin of BANC has grown nicely.
The Operating Margin and Gross Margin are not available for BANC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 10.58% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-22.37%
PM growth 5Y54.11%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BANC does not have a ROIC to compare to the WACC, probably because it is not profitable.
BANC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, BANC has more shares outstanding
Compared to 1 year ago, BANC has an improved debt to assets ratio.
2.2 Solvency
BANC has a debt to FCF ratio of 5.97. This is a neutral value as BANC would need 5.97 years to pay back of all of its debts.
BANC's Debt to FCF ratio of 5.97 is on the low side compared to the rest of the industry. BANC is outperformed by 70.13% of its industry peers.
BANC has a Debt/Equity ratio of 0.34. This is a healthy value indicating a solid balance between debt and equity.
BANC has a worse Debt to Equity ratio (0.34) than 72.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 5.97 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BANC have decreased strongly by -53.37% in the last year.
BANC shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 40.46% yearly.
BANC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.38%.
BANC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 30.97% yearly.
EPS 1Y (TTM)-53.37%
EPS 3Y-8.77%
EPS 5Y40.46%
EPS Q2Q%20%
Revenue 1Y (TTM)8.38%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%4.63%
3.2 Future
The Earnings Per Share is expected to grow by 34.53% on average over the next years. This is a very strong growth
BANC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.13% yearly.
EPS Next Y31.23%
EPS Next 2Y43.16%
EPS Next 3Y34.53%
EPS Next 5YN/A
Revenue Next Year5.83%
Revenue Next 2Y8.28%
Revenue Next 3Y9.13%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
BANC is valuated rather expensively with a Price/Earnings ratio of 17.30.
Compared to the rest of the industry, the Price/Earnings ratio of BANC indicates a slightly more expensive valuation: BANC is more expensive than 74.43% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BANC to the average of the S&P500 Index (27.13), we can say BANC is valued slightly cheaper.
BANC is valuated reasonably with a Price/Forward Earnings ratio of 9.99.
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 (22.76), we can say BANC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.3 | ||
| Fwd PE | 9.99 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as BANC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.7 | ||
| EV/EBITDA | N/A |
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.
BANC's earnings are expected to grow with 34.53% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)0.43
EPS Next 2Y43.16%
EPS Next 3Y34.53%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.38%, BANC has a reasonable but not impressive dividend return.
BANC's Dividend Yield is comparable with the industry average which is at 3.17.
BANC's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
5.2 History
The dividend of BANC has a limited annual growth rate of 0.59%.
BANC has been paying a dividend for at least 10 years, so it has 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
5.3 Sustainability
99.82% of the earnings are spent on dividend by BANC. This is not a sustainable payout ratio.
BANC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP99.82%
EPS Next 2Y43.16%
EPS Next 3Y34.53%
NYSE:BANC (9/2/2025, 9:43:54 AM)
16.785
-0.14 (-0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.06%
Inst Owner Change-5.74%
Ins Owners0.89%
Ins Owner Change0.69%
Market Cap2.48B
Analysts80
Price Target18.21 (8.49%)
Short Float %8.76%
Short Ratio4.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.38% |
Yearly Dividend0.64
Dividend Growth(5Y)0.59%
DP99.82%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.34%
Min EPS beat(2)-55.21%
Max EPS beat(2)34.53%
EPS beat(4)3
Avg EPS beat(4)34.77%
Min EPS beat(4)-55.21%
Max EPS beat(4)142.46%
EPS beat(8)4
Avg EPS beat(8)249.98%
EPS beat(12)5
Avg EPS beat(12)164.55%
EPS beat(16)7
Avg EPS beat(16)135.66%
Revenue beat(2)0
Avg Revenue beat(2)-7.09%
Min Revenue beat(2)-8.4%
Max Revenue beat(2)-5.78%
Revenue beat(4)1
Avg Revenue beat(4)-5.17%
Min Revenue beat(4)-8.4%
Max Revenue beat(4)0.05%
Revenue beat(8)1
Avg Revenue beat(8)-6.47%
Revenue beat(12)3
Avg Revenue beat(12)-4.72%
Revenue beat(16)7
Avg Revenue beat(16)-2.66%
PT rev (1m)2.59%
PT rev (3m)3.65%
EPS NQ rev (1m)0.87%
EPS NQ rev (3m)-6.25%
EPS NY rev (1m)-11.13%
EPS NY rev (3m)-11.46%
Revenue NQ rev (1m)-1.24%
Revenue NQ rev (3m)-6.56%
Revenue NY rev (1m)-1.34%
Revenue NY rev (3m)-1.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.3 | ||
| Fwd PE | 9.99 | ||
| P/S | 2.43 | ||
| P/FCF | 12.7 | ||
| P/OCF | 12.13 | ||
| P/B | 0.72 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.97
EY5.78%
EPS(NY)1.68
Fwd EY10.01%
FCF(TTM)1.32
FCFY7.87%
OCF(TTM)1.38
OCFY8.24%
SpS6.9
BVpS23.19
TBVpS20.93
PEG (NY)0.55
PEG (5Y)0.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.31% | ||
| ROE | 3.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.58% | ||
| GM | N/A | ||
| FCFM | 19.15% |
ROA(3y)-1.17%
ROA(5y)-0.6%
ROE(3y)-14.21%
ROE(5y)-7.6%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-22.37%
PM growth 5Y54.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 5.97 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 11.11% | ||
| Cap/Sales | 0.9% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 181.06% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC18.58%
ROIC/WACCN/A
Cap/Depr(3y)34.12%
Cap/Depr(5y)31.91%
Cap/Sales(3y)2.54%
Cap/Sales(5y)2.15%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-53.37%
EPS 3Y-8.77%
EPS 5Y40.46%
EPS Q2Q%20%
EPS Next Y31.23%
EPS Next 2Y43.16%
EPS Next 3Y34.53%
EPS Next 5YN/A
Revenue 1Y (TTM)8.38%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%4.63%
Revenue Next Year5.83%
Revenue Next 2Y8.28%
Revenue Next 3Y9.13%
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 1Y88.33%
FCF growth 3Y-14.49%
FCF growth 5Y-1.45%
OCF growth 1Y83.58%
OCF growth 3Y-9.88%
OCF growth 5Y-0.74%