BANC OF CALIFORNIA INC (BANC) Stock Fundamental Analysis
USA - NYSE:BANC - US05990K1060 - Common Stock
16.53 USD
+0.33 (+2.04%)
BANC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. BANC has a bad profitability rating. Also its financial health evaluation is rather negative. BANC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
BANC had positive earnings in the past year.
In the past year BANC had a positive cash flow from operations.
In multiple years BANC reported negative net income over the last 5 years.
BANC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.31%, BANC is not doing good in the industry: 85.82% of the companies in the same industry are doing better.
The Return On Equity of BANC (3.15%) is worse than 86.08% 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
Looking at the Profit Margin, with a value of 10.58%, BANC is doing worse than 84.28% of the companies in the same industry.
In the last couple of years the Profit Margin of BANC has grown nicely.
BANC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
The Debt to FCF ratio of BANC is 5.97, which is a neutral value as it means it would take BANC, 5.97 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.97, BANC is doing worse than 72.94% of the companies in the same industry.
A Debt/Equity ratio of 0.34 indicates that BANC is not too dependend on debt financing.
BANC has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: BANC underperforms 71.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.34 | ||
| Debt/FCF | 5.97 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.6%
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 -45.81% 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.
Looking at the last year, BANC shows a small growth in Revenue. The Revenue has grown by 5.12% in the last year.
The Revenue has been growing by 30.97% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-45.81%
EPS 3Y-8.77%
EPS 5Y40.46%
EPS Q2Q%52%
Revenue 1Y (TTM)5.12%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%10.15%
3.2 Future
Based on estimates for the next years, BANC will show a very strong growth in Earnings Per Share. The EPS will grow by 35.79% on average per year.
BANC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.42% yearly.
EPS Next Y38.02%
EPS Next 2Y46.27%
EPS Next 3Y35.79%
EPS Next 5YN/A
Revenue Next Year7.07%
Revenue Next 2Y9.88%
Revenue Next 3Y9.42%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BANC is valuated correctly with a Price/Earnings ratio of 15.03.
71.13% of the companies in the same industry are cheaper than BANC, based on the Price/Earnings ratio.
BANC is valuated rather cheaply when we compare the Price/Earnings ratio to 25.56, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.42, the valuation of BANC can be described as reasonable.
BANC's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.62. BANC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.03 | ||
| Fwd PE | 9.42 |
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 | 12.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BANC's 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 35.79% in the coming years.
PEG (NY)0.4
PEG (5Y)0.37
EPS Next 2Y46.27%
EPS Next 3Y35.79%
5. Dividend
5.1 Amount
BANC has a Yearly Dividend Yield of 2.35%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.39, BANC is paying slightly less dividend.
BANC's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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
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 2Y46.27%
EPS Next 3Y35.79%
NYSE:BANC (11/18/2025, 12:27:06 PM)
16.53
+0.33 (+2.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners92.35%
Inst Owner Change-0.17%
Ins Owners0.82%
Ins Owner Change-9.97%
Market Cap2.44B
Revenue(TTM)1.09B
Net Income(TTM)107.87M
Analysts84.71
Price Target20.91 (26.5%)
Short Float %5.94%
Short Ratio2.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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)12.95%
PT rev (3m)14.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.52%
EPS NY rev (1m)4.59%
EPS NY rev (3m)-6.54%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-0.66%
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.03 | ||
| Fwd PE | 9.42 | ||
| P/S | 2.4 | ||
| P/FCF | 12.51 | ||
| P/OCF | 11.95 | ||
| P/B | 0.71 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.1
EY6.65%
EPS(NY)1.75
Fwd EY10.61%
FCF(TTM)1.32
FCFY7.99%
OCF(TTM)1.38
OCFY8.37%
SpS6.9
BVpS23.19
TBVpS20.93
PEG (NY)0.4
PEG (5Y)0.37
Graham Number23.96
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
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-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
WACC18.6%
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)-45.81%
EPS 3Y-8.77%
EPS 5Y40.46%
EPS Q2Q%52%
EPS Next Y38.02%
EPS Next 2Y46.27%
EPS Next 3Y35.79%
EPS Next 5YN/A
Revenue 1Y (TTM)5.12%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%10.15%
Revenue Next Year7.07%
Revenue Next 2Y9.88%
Revenue Next 3Y9.42%
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%
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 3 / 10 to BANC.
What is the valuation status of BANC OF CALIFORNIA INC (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 is the valuation of BANC OF CALIFORNIA INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANC OF CALIFORNIA INC (BANC) is 15.03 and the Price/Book (PB) ratio is 0.71.
What is the expected EPS growth for BANC OF CALIFORNIA INC (BANC) stock?
The Earnings per Share (EPS) of BANC OF CALIFORNIA INC (BANC) is expected to grow by 38.02% in the next year.