BANC OF CALIFORNIA INC (BANC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BANC - US05990K1060 - Common Stock
20.8 USD
-0.07 (-0.34%)
20.8 USD
0 (0%)
BANC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of BANC have multiple concerns. 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.
- In the past 5 years BANC always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 0.50%, BANC is not doing good in the industry: 78.07% of the companies in the same industry are doing better.
- BANC has a worse Return On Equity (4.87%) than 77.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 4.87% | ||
| 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 15.47%, BANC is doing worse than 75.20% of the companies in the same industry.
- 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) | 15.47% | ||
| 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.
- The number of shares outstanding for BANC has been increased compared to 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 5.55. This is a neutral value as BANC would need 5.55 years to pay back of all of its debts.
- BANC's Debt to FCF ratio of 5.55 is on the low side compared to the rest of the industry. BANC is outperformed by 73.89% of its industry peers.
- A Debt/Equity ratio of 0.36 indicates that BANC is not too dependend on debt financing.
- BANC has a worse Debt to Equity ratio (0.36) than 71.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.36 | ||
| Debt/FCF | 5.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.28%
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.
- The Earnings Per Share has been growing by 40.46% on average over the past years. This is a very strong growth
- The Revenue has been growing slightly by 5.12% in the past 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 36.04% on average per year.
- The Revenue is expected to grow by 9.11% on average over the next years. This is quite good.
EPS Next Y38.94%
EPS Next 2Y46.09%
EPS Next 3Y36.04%
EPS Next 5YN/A
Revenue Next Year4.7%
Revenue Next 2Y7.75%
Revenue Next 3Y9.11%
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 stable.
- 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
- Based on the Price/Earnings ratio of 18.91, the valuation of BANC can be described as rather expensive.
- Compared to the rest of the industry, the Price/Earnings ratio of BANC indicates a slightly more expensive valuation: BANC is more expensive than 79.11% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. BANC is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 11.89 indicates a reasonable valuation of BANC.
- The rest of the industry has a similar Price/Forward Earnings ratio as BANC.
- BANC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.91 | ||
| Fwd PE | 11.89 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BANC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.91 | ||
| 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.
- BANC's earnings are expected to grow with 36.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)0.47
EPS Next 2Y46.09%
EPS Next 3Y36.04%
5. Dividend
5.1 Amount
- BANC has a Yearly Dividend Yield of 7.71%, which is a nice return.
- BANC's Dividend Yield is slightly below the industry average, which is at 2.88.
- Compared to an average S&P500 Dividend Yield of 1.87, BANC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.71% |
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
- 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 2Y46.09%
EPS Next 3Y36.04%
20.8
-0.07 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners89.54%
Inst Owner Change0.07%
Ins Owners0.81%
Ins Owner Change-3.9%
Market Cap3.15B
Revenue(TTM)1.09B
Net Income(TTM)168.71M
Analysts84.71
Price Target22.67 (8.99%)
Short Float %7.23%
Short Ratio3.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.71% |
Yearly Dividend0.64
Dividend Growth(5Y)0.59%
DP63.67%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
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)5.27%
PT rev (3m)19.96%
EPS NQ rev (1m)-0.17%
EPS NQ rev (3m)4.75%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)5.29%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)1.7%
Revenue NY rev (3m)-1.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.91 | ||
| Fwd PE | 11.89 | ||
| P/S | 2.88 | ||
| P/FCF | 13.91 | ||
| P/OCF | 13.49 | ||
| P/B | 0.91 | ||
| P/tB | 1 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.1
EY5.29%
EPS(NY)1.75
Fwd EY8.41%
FCF(TTM)1.5
FCFY7.19%
OCF(TTM)1.54
OCFY7.41%
SpS7.21
BVpS22.91
TBVpS20.76
PEG (NY)0.49
PEG (5Y)0.47
Graham Number23.81
Profitability
| Industry Rank | Sector 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)-1.17%
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector 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-Score8
WACC17.28%
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 Y38.94%
EPS Next 2Y46.09%
EPS Next 3Y36.04%
EPS Next 5YN/A
Revenue 1Y (TTM)5.12%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%10.15%
Revenue Next Year4.7%
Revenue Next 2Y7.75%
Revenue Next 3Y9.11%
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 1Y105.26%
FCF growth 3Y-14.49%
FCF growth 5Y-1.45%
OCF growth 1Y95.08%
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 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 18.91 and the Price/Book (PB) ratio is 0.91.
Is the dividend of BANC OF CALIFORNIA INC sustainable?
The dividend rating of BANC OF CALIFORNIA INC (BANC) is 4 / 10 and the dividend payout ratio is 63.67%.