BANC OF CALIFORNIA INC (BANC) Stock Fundamental Analysis
NYSE:BANC - New York Stock Exchange, Inc. - US05990K1060 - Common Stock - Currency: USD
BANC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 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
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.
Of the past 5 years BANC 4 years had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of -5.68%, BANC is not doing good in the industry: 99.75% of the companies in the same industry are doing better.
The Return On Equity of BANC (-54.31%) is worse than 99.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.68% | ||
| ROE | -54.31% | ||
| 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
In the last couple of years the Profit Margin of BANC has grown nicely.
The Profit Margin and 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) | N/A | ||
| 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.
The number of shares outstanding for BANC has been increased compared to 5 years ago.
BANC has a better debt/assets ratio than last year.
2.2 Solvency
BANC has a debt to FCF ratio of 109.63. This is a negative value and a sign of low solvency as BANC would need 109.63 years to pay back of all of its debts.
The Debt to FCF ratio of BANC (109.63) is worse than 83.42% of its industry peers.
BANC has a Debt/Equity ratio of 0.72. This is a neutral value indicating BANC is somewhat dependend on debt financing.
BANC has a worse Debt to Equity ratio (0.72) than 83.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 109.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.75%
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.
Measured over the past years, BANC shows a very strong growth in Earnings Per Share. The EPS has been growing by 40.46% on average per year.
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 30.60% 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 11.75% on average per year.
EPS Next Y54.38%
EPS Next 2Y42.95%
EPS Next 3Y30.6%
EPS Next 5YN/A
Revenue Next Year10.05%
Revenue Next 2Y9.27%
Revenue Next 3Y11.75%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 19.57, BANC is valued on the expensive side.
76.63% of the companies in the same industry are cheaper than BANC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BANC to the average of the S&P500 Index (28.42), we can say BANC is valued slightly cheaper.
BANC is valuated correctly with a Price/Forward Earnings ratio of 12.68.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BANC is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of BANC to the average of the S&P500 Index (24.39), we can say BANC is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.57 | ||
| Fwd PE | 12.68 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BANC is valued expensively inside the industry as 80.90% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 110.28 | ||
| 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.
A more expensive valuation may be justified as BANC's earnings are expected to grow with 30.60% in the coming years.
PEG (NY)0.36
PEG (5Y)0.48
EPS Next 2Y42.95%
EPS Next 3Y30.6%
5. Dividend
5.1 Amount
BANC has a Yearly Dividend Yield of 2.50%.
Compared to an average industry Dividend Yield of 3.19, BANC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, BANC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
5.2 History
The dividend of BANC decreases each year by -6.42%.
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)-6.42%
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
The earnings of BANC are negative and hence is the payout ratio. BANC will probably not be able to sustain this dividend level.
DP-7.99%
EPS Next 2Y42.95%
EPS Next 3Y30.6%
BANC OF CALIFORNIA INC
NYSE:BANC (1/28/2025, 8:24:32 PM)
After market: 16.05 0 (0%)16.05
+0.04 (+0.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners86.34%
Inst Owner Change-0.09%
Ins Owners0.91%
Ins Owner Change-0.18%
Market Cap2.55B
Analysts80
Price Target19.07 (18.82%)
Short Float %7.4%
Short Ratio4.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.5% |
Yearly Dividend0.78
Dividend Growth(5Y)-6.42%
DP-7.99%
Div Incr Years1
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)47%
Min EPS beat(2)-48.45%
Max EPS beat(2)142.46%
EPS beat(4)2
Avg EPS beat(4)501.16%
Min EPS beat(4)-48.45%
Max EPS beat(4)1925.98%
EPS beat(8)3
Avg EPS beat(8)249.25%
EPS beat(12)4
Avg EPS beat(12)162.41%
EPS beat(16)8
Avg EPS beat(16)142.61%
Revenue beat(2)1
Avg Revenue beat(2)-2.53%
Min Revenue beat(2)-5.12%
Max Revenue beat(2)0.05%
Revenue beat(4)1
Avg Revenue beat(4)-6.44%
Min Revenue beat(4)-10.94%
Max Revenue beat(4)0.05%
Revenue beat(8)2
Avg Revenue beat(8)-4.58%
Revenue beat(12)6
Avg Revenue beat(12)-2.06%
Revenue beat(16)9
Avg Revenue beat(16)-0.13%
PT rev (1m)5.35%
PT rev (3m)15.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.37%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)2.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.57 | ||
| Fwd PE | 12.68 | ||
| P/S | 2.46 | ||
| P/FCF | 110.28 | ||
| P/OCF | 64.78 | ||
| P/B | 0.73 | ||
| P/tB | 0.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.82
EY5.11%
EPS(NY)1.27
Fwd EY7.89%
FCF(TTM)0.15
FCFY0.91%
OCF(TTM)0.25
OCFY1.54%
SpS6.53
BVpS22.01
TBVpS19.76
PEG (NY)0.36
PEG (5Y)0.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.68% | ||
| ROE | -54.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 2.23% |
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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.72 | ||
| Debt/FCF | 109.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 13.77% | ||
| Cap/Sales | 1.56% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC20.75%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y54.38%
EPS Next 2Y42.95%
EPS Next 3Y30.6%
EPS Next 5YN/A
Revenue 1Y (TTM)74.33%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%55.77%
Revenue Next Year10.05%
Revenue Next 2Y9.27%
Revenue Next 3Y11.75%
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-79.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-67.1%
OCF growth 3YN/A
OCF growth 5YN/A