BANC OF CALIFORNIA INC (BANC) Stock Fundamental Analysis
NYSE:BANC - New York Stock Exchange, Inc. - US05990K1060 - Common Stock - Currency: USD
Overall BANC gets a fundamental rating of 3 out of 10. We evaluated BANC against 398 industry peers in the Banks industry. BANC has a bad profitability rating. Also its financial health evaluation is rather negative. BANC is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year BANC was profitable.
In the past year BANC had a positive cash flow from operations.
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 worse Return On Assets (0.26%) than 85.18% of its industry peers.
BANC has a worse Return On Equity (2.49%) than 85.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 2.49% | ||
| 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 (8.68%) is worse than 85.43% of its industry peers.
BANC's Profit Margin has improved in the last couple of years.
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) | 8.68% | ||
| 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
BANC has a better debt/assets ratio than last year.
2.2 Solvency
BANC has a debt to FCF ratio of 36.28. This is a negative value and a sign of low solvency as BANC would need 36.28 years to pay back of all of its debts.
BANC has a worse Debt to FCF ratio (36.28) than 83.17% of its industry peers.
BANC has a Debt/Equity ratio of 0.67. This is a neutral value indicating BANC is somewhat dependend on debt financing.
BANC's Debt to Equity ratio of 0.67 is on the low side compared to the rest of the industry. BANC is outperformed by 80.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 36.28 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.26%
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 -66.39% 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.
The Revenue has grown by 74.33% in the past year. This is a very strong growth!
The Revenue has been growing by 30.97% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-66.39%
EPS 3Y-8.77%
EPS 5Y40.46%
EPS Q2Q%-81.21%
Revenue 1Y (TTM)74.33%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%55.77%
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 33.55% on average per year.
Based on estimates for the next years, BANC will show a quite strong growth in Revenue. The Revenue will grow by 9.33% on average per year.
EPS Next Y51.36%
EPS Next 2Y43.5%
EPS Next 3Y33.55%
EPS Next 5YN/A
Revenue Next Year9.33%
Revenue Next 2Y9.36%
Revenue Next 3Y9.33%
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
A Price/Earnings ratio of 16.81 indicates a correct valuation of BANC.
Based on the Price/Earnings ratio, BANC is valued a bit more expensive than the industry average as 74.62% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 28.33, BANC is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 11.11, the valuation of BANC can be described as reasonable.
BANC's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of BANC to the average of the S&P500 Index (21.37), we can say BANC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.81 | ||
| Fwd PE | 11.11 |
4.2 Price Multiples
80.90% of the companies in the same industry are cheaper than BANC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.14 | ||
| 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 33.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)0.42
EPS Next 2Y43.5%
EPS Next 3Y33.55%
5. Dividend
5.1 Amount
BANC has a Yearly Dividend Yield of 3.03%. Purely for dividend investing, there may be better candidates out there.
BANC's Dividend Yield is comparable with the industry average which is at 3.66.
Compared to an average S&P500 Dividend Yield of 2.51, BANC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
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 Years1
Div Non Decr Years4
5.3 Sustainability
124.09% 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.
DP124.09%
EPS Next 2Y43.5%
EPS Next 3Y33.55%
NYSE:BANC (4/23/2025, 3:56:09 PM)
13.785
+0.43 (+3.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.53%
Inst Owner Change-0.08%
Ins Owners0.8%
Ins Owner Change4.67%
Market Cap2.20B
Analysts80
Price Target18.97 (37.61%)
Short Float %8.85%
Short Ratio5.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
Yearly Dividend0.64
Dividend Growth(5Y)0.59%
DP124.09%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)79.88%
Min EPS beat(2)17.31%
Max EPS beat(2)142.46%
EPS beat(4)2
Avg EPS beat(4)24%
Min EPS beat(4)-48.45%
Max EPS beat(4)142.46%
EPS beat(8)3
Avg EPS beat(8)251.13%
EPS beat(12)5
Avg EPS beat(12)168.89%
EPS beat(16)8
Avg EPS beat(16)138.31%
Revenue beat(2)1
Avg Revenue beat(2)-3.24%
Min Revenue beat(2)-6.54%
Max Revenue beat(2)0.05%
Revenue beat(4)1
Avg Revenue beat(4)-5.34%
Min Revenue beat(4)-9.74%
Max Revenue beat(4)0.05%
Revenue beat(8)2
Avg Revenue beat(8)-4.84%
Revenue beat(12)5
Avg Revenue beat(12)-2.7%
Revenue beat(16)8
Avg Revenue beat(16)-1.52%
PT rev (1m)-2.11%
PT rev (3m)-0.53%
EPS NQ rev (1m)-1.89%
EPS NQ rev (3m)-7.98%
EPS NY rev (1m)-0.92%
EPS NY rev (3m)-6.56%
Revenue NQ rev (1m)-2.23%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)-2.12%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.81 | ||
| Fwd PE | 11.11 | ||
| P/S | 2.19 | ||
| P/FCF | 34.14 | ||
| P/OCF | 28.38 | ||
| P/B | 0.63 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY5.95%
EPS(NY)1.24
Fwd EY9%
FCF(TTM)0.4
FCFY2.93%
OCF(TTM)0.49
OCFY3.52%
SpS6.3
BVpS21.97
TBVpS19.79
PEG (NY)0.33
PEG (5Y)0.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.26% | ||
| ROE | 2.49% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 8.68% | ||
| GM | N/A | ||
| FCFM | 6.41% |
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.67 | ||
| Debt/FCF | 36.28 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 14.87% | ||
| Cap/Sales | 1.3% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 73.85% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC19.26%
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)-66.39%
EPS 3Y-8.77%
EPS 5Y40.46%
EPS Q2Q%-81.21%
EPS Next Y51.36%
EPS Next 2Y43.5%
EPS Next 3Y33.55%
EPS Next 5YN/A
Revenue 1Y (TTM)74.33%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%55.77%
Revenue Next Year9.33%
Revenue Next 2Y9.36%
Revenue Next 3Y9.33%
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 1Y-46.64%
FCF growth 3Y-14.49%
FCF growth 5Y-1.45%
OCF growth 1Y-43.01%
OCF growth 3Y-9.88%
OCF growth 5Y-0.74%