Banc of California, Inc.
Banc of California, Inc. Fundamental Analysis
Banc of California, Inc. (BANC-PF) shows moderate financial fundamentals with a PE ratio of 11.71, profit margin of 12.65%, and ROE of 6.56%. The company generates $1.1B in annual revenue with weak year-over-year growth of -3.31%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 28.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BANC-PF's fundamental strength across five key dimensions:
Efficiency Score
WeakBANC-PF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBANC-PF trades at attractive valuation levels.
Growth Score
WeakBANC-PF faces weak or negative growth trends.
Financial Health Score
ModerateBANC-PF shows balanced financial health with some risks.
Profitability Score
WeakBANC-PF struggles to sustain strong margins.
Key Financial Metrics
Is BANC-PF Expensive or Cheap?
P/E Ratio
BANC-PF trades at 11.71 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BANC-PF's PEG of 0.87 indicates potential undervaluation.
Price to Book
The market values Banc of California, Inc. at 0.76 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.97 times EBITDA. This is generally considered low.
How Well Does BANC-PF Make Money?
Net Profit Margin
For every $100 in sales, Banc of California, Inc. keeps $12.65 as profit after all expenses.
Operating Margin
Core operations generate 17.98 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.56 in profit for every $100 of shareholder equity.
ROA
Banc of California, Inc. generates $0.66 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banc of California, Inc. produces operating cash flow of $162.17M, showing steady but balanced cash generation.
Free Cash Flow
Banc of California, Inc. generates strong free cash flow of $162.17M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.64 in free cash annually.
FCF Yield
BANC-PF converts 9.60% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.71
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.87
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.76
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.48
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.85
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.26
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How BANC-PF Stacks Against Its Sector Peers
| Metric | BANC-PF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.71 | 18.70 | Better (Cheaper) |
| ROE | 6.56% | 817.00% | Weak |
| Net Margin | 12.65% | 2246.00% | Weak |
| Debt/Equity | 0.85 | 0.85 | Neutral |
| Current Ratio | 0.26 | 639.65 | Weak Liquidity |
| ROA | 0.66% | -24717.00% (disorted) | Weak |
BANC-PF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Banc of California, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
339.61%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
1268.37%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining