BANC OF CALIFORNIA INC (BANC) Fundamental Analysis & Valuation

NYSE:BANC • US05990K1060

Current stock price

18.31 USD
-0.24 (-1.29%)
Last:

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

2

1. BANC Profitability Analysis

1.1 Basic Checks

  • BANC had positive earnings in the past year.
  • BANC had a positive operating cash flow in the past year.
  • BANC had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years BANC had a positive operating cash flow.
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

  • The Return On Assets of BANC (0.54%) is worse than 81.12% of its industry peers.
  • With a Return On Equity value of 5.34%, BANC is not doing good in the industry: 80.32% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.54%
ROE 5.34%
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 16.90%. This is amonst the worse of the industry: BANC underperforms 80.05% of its industry peers.
  • BANC's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for BANC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 16.9%
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.
  • BANC has less shares outstanding than it did 1 year ago.
  • BANC has more shares outstanding than it did 5 years ago.
  • BANC has a worse debt/assets ratio than last year.
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 5.56. This is a neutral value as BANC would need 5.56 years to pay back of all of its debts.
  • BANC has a Debt to FCF ratio of 5.56. This is in the lower half of the industry: BANC underperforms 73.67% of its industry peers.
  • BANC has a Debt/Equity ratio of 0.37. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.37, BANC is doing worse than 71.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.37
Debt/FCF 5.56
Altman-Z N/A
ROIC/WACCN/A
WACC14.69%
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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8

3. BANC Growth Analysis

3.1 Past

  • BANC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.22%, which is quite impressive.
  • The Earnings Per Share has been growing by 19.92% on average over the past years. This is quite good.
  • BANC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.60%.
  • BANC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.72% yearly.
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 25.28% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 11.37% on average over the next years. This is quite good.
EPS Next Y40.76%
EPS Next 2Y30.51%
EPS Next 3Y25.28%
EPS Next 5YN/A
Revenue Next Year19.26%
Revenue Next 2Y13.51%
Revenue Next 3Y11.37%
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

  • A Price/Earnings ratio of 14.77 indicates a correct valuation of BANC.
  • Compared to the rest of the industry, the Price/Earnings ratio of BANC indicates a slightly more expensive valuation: BANC is more expensive than 71.28% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.66, BANC is valued a bit cheaper.
  • BANC is valuated reasonably with a Price/Forward Earnings ratio of 10.49.
  • 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 (38.00), we can say BANC is valued rather cheaply.
Industry RankSector Rank
PE 14.77
Fwd PE 10.49
BANC Price Earnings VS Forward Price EarningsBANC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as BANC.
Industry RankSector Rank
P/FCF 11.99
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.
  • BANC's earnings are expected to grow with 25.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)0.74
EPS Next 2Y30.51%
EPS Next 3Y25.28%

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

6

5. BANC Dividend Analysis

5.1 Amount

  • BANC has a Yearly Dividend Yield of 2.60%.
  • BANC's Dividend Yield is comparable with the industry average which is at 2.57.
  • Compared to an average S&P500 Dividend Yield of 1.81, BANC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.6%

5.2 History

  • The dividend of BANC has a limited annual growth rate of 4.37%.
  • BANC has paid a dividend for at least 10 years, which is a reliable track record.
  • As BANC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)4.37%
Div Incr Years0
Div Non Decr Years5
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

  • 54.81% of the earnings are spent on dividend by BANC. This is a bit on the high side, but may be sustainable.
  • The dividend of BANC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.81%
EPS Next 2Y30.51%
EPS Next 3Y25.28%
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 (4/22/2026, 2:03:02 PM)

18.31

-0.24 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-22
Inst Owners96.49%
Inst Owner Change0.21%
Ins Owners0.92%
Ins Owner Change5.01%
Market Cap2.82B
Revenue(TTM)1.12B
Net Income(TTM)189.19M
Analysts83.53
Price Target23.31 (27.31%)
Short Float %6.17%
Short Ratio2.79
Dividend
Industry RankSector Rank
Dividend Yield 2.6%
Yearly Dividend0.64
Dividend Growth(5Y)4.37%
DP54.81%
Div Incr Years0
Div Non Decr Years5
Ex-Date03-16
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.22%
Min EPS beat(2)10.77%
Max EPS beat(2)15.66%
EPS beat(4)3
Avg EPS beat(4)1.44%
Min EPS beat(4)-55.21%
Max EPS beat(4)34.53%
EPS beat(8)5
Avg EPS beat(8)12.72%
EPS beat(12)6
Avg EPS beat(12)167.9%
EPS beat(16)8
Avg EPS beat(16)127.03%
Revenue beat(2)0
Avg Revenue beat(2)-3.07%
Min Revenue beat(2)-5.1%
Max Revenue beat(2)-1.04%
Revenue beat(4)0
Avg Revenue beat(4)-5.08%
Min Revenue beat(4)-8.4%
Max Revenue beat(4)-1.04%
Revenue beat(8)1
Avg Revenue beat(8)-5.21%
Revenue beat(12)2
Avg Revenue beat(12)-4.92%
Revenue beat(16)5
Avg Revenue beat(16)-3.3%
PT rev (1m)-2.77%
PT rev (3m)2.8%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)1.78%
EPS NY rev (1m)0.78%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)2.02%
Revenue NQ rev (3m)7.15%
Revenue NY rev (1m)2.05%
Revenue NY rev (3m)5.94%
Valuation
Industry RankSector Rank
PE 14.77
Fwd PE 10.49
P/S 2.52
P/FCF 11.99
P/OCF 11.02
P/B 0.8
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)1.24
EY6.77%
EPS(NY)1.75
Fwd EY9.53%
FCF(TTM)1.53
FCFY8.34%
OCF(TTM)1.66
OCFY9.08%
SpS7.28
BVpS23.03
TBVpS20.95
PEG (NY)0.36
PEG (5Y)0.74
Graham Number25.3473 (38.43%)
Profitability
Industry RankSector Rank
ROA 0.54%
ROE 5.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 16.9%
GM N/A
FCFM 20.97%
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 0.37
Debt/FCF 5.56
Debt/EBITDA N/A
Cap/Depr 26.86%
Cap/Sales 1.86%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 124.1%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.69%
ROIC/WACCN/A
Cap/Depr(3y)35.03%
Cap/Depr(5y)28.56%
Cap/Sales(3y)2.75%
Cap/Sales(5y)2.1%
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 Y40.76%
EPS Next 2Y30.51%
EPS Next 3Y25.28%
EPS Next 5YN/A
Revenue 1Y (TTM)11.6%
Revenue growth 3Y49.99%
Revenue growth 5Y35.72%
Sales Q2Q%8.32%
Revenue Next Year19.26%
Revenue Next 2Y13.51%
Revenue Next 3Y11.37%
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 1Y264.96%
FCF growth 3Y21.16%
FCF growth 5Y27.46%
OCF growth 1Y230.35%
OCF growth 3Y23.38%
OCF growth 5Y27.83%

BANC OF CALIFORNIA INC / BANC Fundamental Analysis 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.


What is the profitability of BANC stock?

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


Can you provide the expected EPS growth for BANC stock?

The Earnings per Share (EPS) of BANC OF CALIFORNIA INC (BANC) is expected to grow by 40.76% in the next year.


Can you provide the dividend sustainability for BANC stock?

The dividend rating of BANC OF CALIFORNIA INC (BANC) is 6 / 10 and the dividend payout ratio is 54.81%.