BANC:NYE-Banc of California, Inc (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 16.92

Change

-0.33 (-1.91)%

Market Cap

USD 0.88B

Volume

0.18M

Avg Analyst Target

USD 21.50 (+27.07%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-04 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

+1.30 (+1.80%)

USD132.88B 181.00 N/A
USB-PH U.S. Bancorp

-0.02 (-0.08%)

USD103.83B 5.40 N/A
USB-PP U.S. Bancorp

+0.05 (+0.18%)

USD87.50B 5.97 N/A
USB U.S. Bancorp

-0.83 (-1.49%)

USD82.88B 11.97 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
PNC The PNC Financial Services Gro..

-1.32 (-0.71%)

USD79.17B 14.13 N/A
USB-PM U.S. Bancorp

-0.01 (-0.04%)

USD78.13B 5.55 N/A
IBN ICICI Bank Limited

+0.52 (+2.76%)

USD65.14B 24.37 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
BSBR Banco Santander (Brasil) S.A

-0.13 (-1.65%)

USD58.69B 10.95 N/A

ETFs Containing BANC

Symbol Name Weight Mer Price(Change) Market Cap
XS7R:LSE Xtrackers - Stoxx Europe .. 0.00 % 0.30 %

+20.50 (+0.70%)

USD0.04B
DXSF:XETRA Xtrackers - Stoxx Europe .. 0.00 % 0.30 %

+0.33 (+0.94%)

USD0.04B

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 15.02% 64% D 61% D-
Dividend Return 0.82% 11% F 30% F
Total Return 15.84% 61% D- 60% D-
Trailing 12 Months  
Capital Gain 50.80% 64% D 77% C+
Dividend Return 2.14% 15% F 37% F
Total Return 52.94% 62% D- 76% C
Trailing 5 Years  
Capital Gain -26.37% 14% F 17% F
Dividend Return 8.53% 20% F 27% F
Total Return -17.84% 10% F 14% F
Average Annual (5 Year Horizon)  
Capital Gain -0.18% 32% F 23% F
Dividend Return 2.31% 49% F 55% F
Total Return 2.13% 32% F 26% F
Risk Return Profile  
Volatility (Standard Deviation) 35.98% 22% F 28% F
Risk Adjusted Return 5.93% 27% F 19% F
Market Capitalization 0.88B 17% F 48% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 15.70 17% F 56% F
Price/Book Ratio 1.18 44% F 68% D+
Price / Cash Flow Ratio 11.70 39% F 39% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 8.48% 18% F 51% F
Return on Invested Capital 0.75% 48% F 33% F
Return on Assets 0.90% 23% F 28% F
Debt to Equity Ratio 28.57% 50% F 75% C
Technical Ratios  
Short Ratio 7.90 5% F 7% F
Short Percent 5.36% 4% F 38% F
Beta 1.84 6% F 15% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Positive cash flow

The company had positive total cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.