Banc of California, Inc. Logo

Banc of California, Inc.

BANC

(2.2)
Stock Price

15,38 USD

1.12% ROA

-25.5% ROE

7.34x PER

Market Cap.

2.063.973.699,00 USD

165.13% DER

3.06% Yield

-108.83% NPM

Banc of California, Inc. Stock Analysis

Banc of California, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banc of California, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.72x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

3 ROE

ROE in an average range (10.55%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.12%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 DER

The company has a high debt to equity ratio (147%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Buffet Intrinsic Value

The company's stock appears overvalued (-520) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Banc of California, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banc of California, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Buy

Banc of California, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banc of California, Inc. Revenue
Year Revenue Growth
2000 1.531.000
2001 1.099.000 -39.31%
2002 14.731.000 92.54%
2003 19.843.000 25.76%
2004 21.857.000 9.21%
2005 21.092.000 -3.63%
2006 20.786.000 -1.47%
2007 19.255.000 -7.95%
2008 25.077.000 23.22%
2009 30.503.000 17.79%
2010 35.035.000 12.94%
2011 34.053.000 -2.88%
2012 83.171.000 59.06%
2013 193.972.000 57.12%
2014 300.914.000 35.54%
2015 434.017.000 30.67%
2016 597.353.000 27.34%
2017 348.860.000 -71.23%
2018 309.991.000 -12.54%
2019 260.279.000 -19.1%
2020 243.112.000 -7.06%
2021 272.708.000 10.85%
2022 331.715.000 17.79%
2023 479.984.000 30.89%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banc of California, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banc of California, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 829.000 100%
2002 4.605.000 82%
2003 6.004.000 23.3%
2004 7.069.000 15.07%
2005 7.282.000 2.93%
2006 7.449.000 2.24%
2007 7.271.000 -2.45%
2008 6.727.000 -8.09%
2009 9.381.000 28.29%
2010 13.432.000 30.16%
2011 19.045.000 29.47%
2012 41.891.000 54.54%
2013 110.687.000 62.15%
2014 162.879.000 32.04%
2015 213.114.000 23.57%
2016 257.918.000 17.37%
2017 129.153.000 -99.7%
2018 109.974.000 -17.44%
2019 105.915.000 -3.83%
2020 96.809.000 -9.41%
2021 103.358.000 6.34%
2022 113.060.000 8.58%
2023 103.276.000 -9.47%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banc of California, Inc. EBITDA
Year EBITDA Growth
2000 12.058.000
2001 15.626.000 22.83%
2002 13.378.000 -16.8%
2003 16.855.000 20.63%
2004 20.889.000 19.31%
2005 24.643.000 15.23%
2006 34.631.000 28.84%
2007 32.866.000 -5.37%
2008 21.476.000 -53.04%
2009 15.728.000 -36.55%
2010 15.039.000 -4.58%
2011 3.663.000 -310.57%
2012 17.000.000 78.45%
2013 37.555.000 54.73%
2014 69.552.000 46%
2015 161.877.000 57.03%
2016 225.436.000 28.19%
2017 132.481.000 -70.16%
2018 200.921.000 34.06%
2019 30.173.000 -565.9%
2020 15.878.000 -90.03%
2021 83.898.000 81.07%
2022 244.342.000 65.66%
2023 237.172.000 -3.02%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banc of California, Inc. Gross Profit
Year Gross Profit Growth
2000 1.531.000
2001 1.099.000 -39.31%
2002 14.731.000 92.54%
2003 19.843.000 25.76%
2004 21.857.000 9.21%
2005 21.092.000 -3.63%
2006 20.786.000 -1.47%
2007 19.255.000 -7.95%
2008 25.077.000 23.22%
2009 30.503.000 17.79%
2010 35.035.000 12.94%
2011 34.053.000 -2.88%
2012 70.325.000 51.58%
2013 181.330.000 61.22%
2014 299.426.000 39.44%
2015 432.834.000 30.82%
2016 577.978.000 25.11%
2017 343.020.000 -68.5%
2018 307.584.000 -11.52%
2019 260.279.000 -18.17%
2020 243.112.000 -7.06%
2021 272.708.000 10.85%
2022 331.715.000 17.79%
2023 479.984.000 30.89%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banc of California, Inc. Net Profit
Year Net Profit Growth
2000 1.743.000
2001 2.096.000 16.84%
2002 2.636.000 20.49%
2003 4.101.000 35.72%
2004 5.075.000 19.19%
2005 4.807.000 -5.58%
2006 4.714.000 -1.97%
2007 2.961.000 -59.2%
2008 -529.000 659.74%
2009 -999.000 47.05%
2010 2.825.000 135.36%
2011 -2.728.000 203.56%
2012 5.995.000 145.5%
2013 79.000 -7488.61%
2014 30.318.000 99.74%
2015 62.072.000 51.16%
2016 115.416.000 46.22%
2017 57.709.000 -100%
2018 45.472.000 -26.91%
2019 23.759.000 -91.39%
2020 12.574.000 -88.95%
2021 62.346.000 79.83%
2022 120.939.000 48.45%
2023 170.296.000 28.98%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banc of California, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 0
2001 0 0%
2002 0 0%
2003 1 0%
2004 1 100%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 1 100%
2016 2 0%
2017 1 0%
2018 1 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 2 100%
2023 3 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banc of California, Inc. Free Cashflow
Year Free Cashflow Growth
2001 626.000
2002 2.882.000 78.28%
2003 5.685.000 49.31%
2004 8.766.000 35.15%
2005 6.149.000 -42.56%
2006 5.284.000 -16.37%
2007 3.240.000 -63.09%
2008 6.799.000 52.35%
2009 6.700.000 -1.48%
2010 20.835.000 67.84%
2011 8.747.000 -138.2%
2012 -39.170.000 122.33%
2013 -490.454.000 92.01%
2014 -639.179.000 23.27%
2015 -128.502.000 -397.41%
2016 -31.006.000 -314.44%
2017 547.688.000 105.66%
2018 114.002.000 -380.42%
2019 69.777.000 -63.38%
2020 69.770.000 -0.01%
2021 102.929.000 32.22%
2022 109.277.000 5.81%
2023 40.726.000 -168.32%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banc of California, Inc. Operating Cashflow
Year Operating Cashflow Growth
2001 1.302.000
2002 4.676.000 72.16%
2003 6.317.000 25.98%
2004 9.182.000 31.2%
2005 6.558.000 -40.01%
2006 5.500.000 -19.24%
2007 3.537.000 -55.5%
2008 6.939.000 49.03%
2009 6.995.000 0.8%
2010 23.276.000 69.95%
2011 13.638.000 -70.67%
2012 -33.019.000 141.3%
2013 -435.489.000 92.42%
2014 -627.516.000 30.6%
2015 -45.243.000 -1286.99%
2016 13.677.000 430.8%
2017 563.011.000 97.57%
2018 123.003.000 -357.72%
2019 80.255.000 -53.27%
2020 74.862.000 -7.2%
2021 105.739.000 29.2%
2022 136.122.000 22.32%
2023 43.591.000 -212.27%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banc of California, Inc. Capital Expenditure
Year Capital Expenditure Growth
2001 676.000
2002 1.794.000 62.32%
2003 632.000 -183.86%
2004 416.000 -51.92%
2005 409.000 -1.71%
2006 216.000 -89.35%
2007 297.000 27.27%
2008 140.000 -112.14%
2009 295.000 52.54%
2010 2.441.000 87.91%
2011 4.891.000 50.09%
2012 6.151.000 20.48%
2013 54.965.000 88.81%
2014 11.663.000 -371.28%
2015 83.259.000 85.99%
2016 44.683.000 -86.33%
2017 15.323.000 -191.61%
2018 9.001.000 -70.24%
2019 10.478.000 14.1%
2020 5.092.000 -105.77%
2021 2.810.000 -81.21%
2022 26.845.000 89.53%
2023 2.865.000 -837%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banc of California, Inc. Equity
Year Equity Growth
2000 26.457.000
2001 28.721.000 7.88%
2002 88.881.000 67.69%
2003 84.539.000 -5.14%
2004 79.391.000 -6.48%
2005 77.769.000 -2.09%
2006 81.741.000 4.86%
2007 84.075.000 2.78%
2008 98.723.000 14.84%
2009 97.485.000 -1.27%
2010 136.009.000 28.32%
2011 184.495.000 26.28%
2012 188.758.000 2.26%
2013 324.869.000 41.9%
2014 503.589.000 35.49%
2015 652.405.000 22.81%
2016 980.239.000 33.44%
2017 1.012.308.000 3.17%
2018 945.534.000 -7.06%
2019 907.245.000 -4.22%
2020 897.207.000 -1.12%
2021 1.065.290.000 15.78%
2022 959.618.000 -11.01%
2023 1.001.720.000 4.2%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banc of California, Inc. Assets
Year Assets Growth
2000 300.347.000
2001 310.076.000 3.14%
2002 459.917.000 32.58%
2003 623.964.000 26.29%
2004 674.460.000 7.49%
2005 755.177.000 10.69%
2006 808.343.000 6.58%
2007 774.720.000 -4.34%
2008 876.520.000 11.61%
2009 893.921.000 1.95%
2010 861.621.000 -3.75%
2011 999.041.000 13.76%
2012 1.687.792.000 40.81%
2013 3.628.023.000 53.48%
2014 5.971.571.000 39.25%
2015 8.235.555.000 27.49%
2016 11.029.853.000 25.33%
2017 10.327.852.000 -6.8%
2018 10.630.067.000 2.84%
2019 7.828.410.000 -35.79%
2020 7.877.334.000 0.62%
2021 9.393.743.000 16.14%
2022 9.197.016.000 -2.14%
2023 9.247.072.000 0.54%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banc of California, Inc. Liabilities
Year Liabilities Growth
2000 273.890.000
2001 281.355.000 2.65%
2002 371.036.000 24.17%
2003 539.425.000 31.22%
2004 595.069.000 9.35%
2005 677.408.000 12.16%
2006 726.602.000 6.77%
2007 690.645.000 -5.21%
2008 777.797.000 11.2%
2009 796.436.000 2.34%
2010 725.612.000 -9.76%
2011 814.546.000 10.92%
2012 1.499.034.000 45.66%
2013 3.303.154.000 54.62%
2014 5.467.982.000 39.59%
2015 7.583.150.000 27.89%
2016 10.049.614.000 24.54%
2017 9.315.544.000 -7.88%
2018 9.684.533.000 3.81%
2019 1.392.113.000 -595.67%
2020 816.757.000 -70.44%
2021 8.328.453.000 90.19%
2022 8.237.398.000 -1.11%
2023 1.468.374.000 -460.99%

Banc of California, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.64
Net Income per Share
1.78
Price to Earning Ratio
7.34x
Price To Sales Ratio
5.41x
POCF Ratio
6.27
PFCF Ratio
19.13
Price to Book Ratio
0.75
EV to Sales
8.45
EV Over EBITDA
15.76
EV to Operating CashFlow
26.93
EV to FreeCashFlow
29.85
Earnings Yield
0.14
FreeCashFlow Yield
0.05
Market Cap
2,06 Bil.
Enterprise Value
3,22 Bil.
Graham Number
26.43
Graham NetNet
85.71

Income Statement Metrics

Net Income per Share
1.78
Income Quality
1.17
ROE
0.11
Return On Assets
-0.01
Return On Capital Employed
0.01
Net Income per EBT
0.73
EBT Per Ebit
-3.8
Ebit per Revenue
0.39
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.29
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1
Operating Profit Margin
0.39
Pretax Profit Margin
-1.49
Net Profit Margin
-1.09

Dividends

Dividend Yield
0.03
Dividend Yield %
3.06
Payout Ratio
0.2
Dividend Per Share
0.4

Operating Metrics

Operating Cashflow per Share
2.08
Free CashFlow per Share
1.88
Capex to Operating CashFlow
-0.1
Capex to Revenue
-0.03
Capex to Depreciation
-0.7
Return on Invested Capital
0.06
Return on Tangible Assets
0.01
Days Sales Outstanding
6591.19
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.06
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.2

Balance Sheet

Cash per Share
21,35
Book Value per Share
17,44
Tangible Book Value per Share
133.34
Shareholders Equity per Share
17.44
Interest Debt per Share
31.44
Debt to Equity
1.65
Debt to Assets
0.18
Net Debt to EBITDA
5.66
Current Ratio
6.6
Tangible Asset Value
7,66 Bil.
Net Current Asset Value
-0,24 Bil.
Invested Capital
1.65
Working Capital
1,04 Bil.
Intangibles to Total Assets
0.01
Average Receivables
6,98 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.8

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banc of California, Inc. Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Banc of California, Inc. Profile

About Banc of California, Inc.

Banc of California, Inc. operates as the bank holding company for Banc of California, National Association that provides banking products and services in the United States. The company offers deposit products, including checking, savings, money market, retirement, and interest-bearing and noninterest-bearing demand accounts, as well as certificate of deposits. It also provides various commercial and consumer loan products, such as commercial and industrial loans; commercial real estate and multifamily loans; construction loans; single family residential mortgage loans; warehouse and indirect/direct leveraged lending; home equity lines of credit; small business administration loans; and other consumer loans. In addition, the company offers automated bill payment, cash and treasury management, foreign exchange, card payment, remote and mobile deposit capture, automated clearing house origination, wire transfer, direct deposit, and internet banking services; and master demand accounts, interest rate swaps, and safe deposit boxes. Further, it invests in collateralized loan obligations, agency securities, municipal bonds, agency residential mortgage-backed securities, and corporate debt securities. As of December 31, 2020, the company operated 29 full-service branches in Southern California. The company was formerly known as First PacTrust Bancorp, Inc. and changed its name to Banc of California, Inc. in July 2013. Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana, California.

CEO
Mr. Jared M. Wolff
Employee
2.304
Address
3 MacArthur Place
Santa Ana, 92707

Banc of California, Inc. Executives & BODs

Banc of California, Inc. Executives & BODs
# Name Age
1 Mr. Jared M. Wolff
Vice Chairman, President & Chief Executive Officer
70
2 Mr. John K. Sotoodeh
Executive Vice President & Chief Operating Officer
70
3 Mr. Raymond J. Rindone
Executive Vice President, Deputy Chief Financial Officer & Head of Corporate Finance
70
4 Mr. Ido Dotan J.D.
Executive Vice President, General Counsel, Corporate Secretary & Chief Administrative Officer
70
5 Mr. Hamid Hussain
Executive Vice President
70
6 Mr. Robert G. Dyck
Senior EVice President & Chief Credit Officer
70
7 Ms. Monica L. Sparks
Executive Vice President & Chief Accounting Officer
70
8 Mr. Michael David
Executive Vice President for Technology Banking-West
70
9 Ms. Olivia Lindsay
Executive Vice President & Chief Risk Officer
70
10 Mr. Joseph Kauder
Executive Vice President & Chief Financial Officer
70

Banc of California, Inc. Competitors