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BANC OF CALIFORNIA INC (BANC) Stock Fundamental Analysis

NYSE:BANC - New York Stock Exchange, Inc. - US05990K1060 - Common Stock - Currency: USD

13.8  -0.02 (-0.14%)

After market: 13.8 0 (0%)

Fundamental Rating

4

BANC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 404 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!


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BANC had positive earnings in the past year.
BANC had a positive operating cash flow in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M -1B -1.5B

1.2 Ratios

BANC has a Return On Assets of 0.26%. This is amonst the worse of the industry: BANC underperforms 83.66% of its industry peers.
The Return On Equity of BANC (2.49%) is worse than 83.42% of its industry peers.
Industry RankSector 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
BANC Yearly ROA, ROE, ROICBANC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40

1.3 Margins

With a Profit Margin value of 8.68%, BANC is not doing good in the industry: 84.41% of the companies in the same industry are doing better.
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 RankSector 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
BANC Yearly Profit, Operating, Gross MarginsBANC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600

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1

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
The debt/assets ratio for BANC has been reduced compared to a year ago.
BANC Yearly Shares OutstandingBANC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
BANC Yearly Total Debt VS Total AssetsBANC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

The Debt to FCF ratio of BANC is 36.28, which is on the high side as it means it would take BANC, 36.28 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 36.28, BANC is not doing good in the industry: 81.44% of the companies in the same industry are doing better.
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 79.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.67
Debt/FCF 36.28
Altman-Z N/A
ROIC/WACCN/A
WACC20.79%
BANC Yearly LT Debt VS Equity VS FCFBANC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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8

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.
BANC shows a strong growth in Revenue. In the last year, the Revenue has grown by 74.33%.
Measured over the past years, BANC shows a very strong growth in Revenue. The Revenue has been growing by 30.97% on average per year.
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 30.61% on average per year.
BANC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.75% yearly.
EPS Next Y52.76%
EPS Next 2Y43.13%
EPS Next 3Y30.61%
EPS Next 5YN/A
Revenue Next Year11.69%
Revenue Next 2Y11.04%
Revenue Next 3Y11.75%
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
BANC Yearly Revenue VS EstimatesBANC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
BANC Yearly EPS VS EstimatesBANC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 1 1.5 2

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.83 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 73.76% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. BANC is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 11.02, which indicates a very decent valuation of BANC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BANC is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.10. BANC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 16.83
Fwd PE 11.02
BANC Price Earnings VS Forward Price EarningsBANC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BANC indicates a slightly more expensive valuation: BANC is more expensive than 79.21% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 34.07
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

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 30.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)0.42
EPS Next 2Y43.13%
EPS Next 3Y30.61%

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5

5. Dividend

5.1 Amount

BANC has a Yearly Dividend Yield of 2.89%.
BANC's Dividend Yield is comparable with the industry average which is at 3.34.
BANC's Dividend Yield is a higher than the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 2.89%

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
BANC Yearly Dividends per shareBANC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

BANC pays out 124.09% of its income as dividend. 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 2Y43.13%
EPS Next 3Y30.61%
BANC Yearly Income VS Free CF VS DividendBANC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 OF CALIFORNIA INC

NYSE:BANC (3/7/2025, 8:06:40 PM)

After market: 13.8 0 (0%)

13.8

-0.02 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/bmo
Earnings (Next)04-21 2025-04-21/bmo
Inst Owners81.53%
Inst Owner Change29.15%
Ins Owners0.8%
Ins Owner Change4.3%
Market Cap2.19B
Analysts80
Price Target19.38 (40.43%)
Short Float %8.2%
Short Ratio6.3
Dividend
Industry RankSector Rank
Dividend Yield 2.89%
Yearly Dividend0.64
Dividend Growth(5Y)0.59%
DP124.09%
Div Incr Years1
Div Non Decr Years4
Ex-Date03-14 2025-03-14 (0.1)
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)0%
PT rev (3m)7.04%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)-6.21%
EPS NY rev (1m)-1.05%
EPS NY rev (3m)-5.42%
Revenue NQ rev (1m)1.13%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)1.12%
Revenue NY rev (3m)2.07%
Valuation
Industry RankSector Rank
PE 16.83
Fwd PE 11.02
P/S 2.18
P/FCF 34.07
P/OCF 28.33
P/B 0.63
P/tB 0.7
EV/EBITDA N/A
EPS(TTM)0.82
EY5.94%
EPS(NY)1.25
Fwd EY9.08%
FCF(TTM)0.41
FCFY2.93%
OCF(TTM)0.49
OCFY3.53%
SpS6.32
BVpS22.04
TBVpS19.85
PEG (NY)0.32
PEG (5Y)0.42
Profitability
Industry RankSector 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 RankSector 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
WACC20.79%
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 Y52.76%
EPS Next 2Y43.13%
EPS Next 3Y30.61%
EPS Next 5YN/A
Revenue 1Y (TTM)74.33%
Revenue growth 3Y54.37%
Revenue growth 5Y30.97%
Sales Q2Q%55.77%
Revenue Next Year11.69%
Revenue Next 2Y11.04%
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-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%