Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.34
BANC's Cash to Debt is ranked higher than
60% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BANC: 0.34 )
BANC' s 10-Year Cash to Debt Range
Min: 0.06   Max: 2.22
Current: 0.34

0.06
2.22
Equity to Asset 0.09
BANC's Equity to Asset is ranked higher than
60% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BANC: 0.09 )
BANC' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.19
Current: 0.09

0.09
0.19
Interest Coverage 0.32
BANC's Interest Coverage is ranked lower than
52% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. BANC: 0.32 )
BANC' s 10-Year Interest Coverage Range
Min: 0.12   Max: 0.78
Current: 0.32

0.12
0.78
F-Score: 3
Z-Score: 0.09
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 3.78
BANC's Operating margin (%) is ranked lower than
53% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. BANC: 3.78 )
BANC' s 10-Year Operating margin (%) Range
Min: -8.88   Max: 41
Current: 3.78

-8.88
41
Net-margin (%) 0.04
BANC's Net-margin (%) is ranked lower than
54% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. BANC: 0.04 )
BANC' s 10-Year Net-margin (%) Range
Min: -8.01   Max: 23.22
Current: 0.04

-8.01
23.22
ROE (%) 0.02
BANC's ROE (%) is ranked lower than
55% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. BANC: 0.02 )
BANC' s 10-Year ROE (%) Range
Min: -1.48   Max: 7.3
Current: 0.02

-1.48
7.3
ROC (Joel Greenblatt) (%) 11.08
BANC's ROC (Joel Greenblatt) (%) is ranked higher than
52% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. BANC: 11.08 )
BANC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -62.74   Max: 169.75
Current: 11.08

-62.74
169.75
Revenue Growth (%) 25.00
BANC's Revenue Growth (%) is ranked higher than
97% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BANC: 25.00 )
BANC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 56.7
Current: 25

0
56.7
EBITDA Growth (%) 6.10
BANC's EBITDA Growth (%) is ranked higher than
70% of the 1124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BANC: 6.10 )
BANC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 59.3
Current: 6.1

0
59.3
» BANC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2012

BANC Guru Trades in Q4 2012

Jim Simons Sold Out
» More
Q1 2013

BANC Guru Trades in Q1 2013

Jim Simons 20,394 sh (New)
» More
Q2 2013

BANC Guru Trades in Q2 2013

Paul Tudor Jones 10,000 sh (New)
Steven Cohen 11,300 sh (New)
Jim Simons 54,800 sh (+168.71%)
» More
Q3 2013

BANC Guru Trades in Q3 2013

Jim Simons Sold Out
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BANC



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Banc of California Inc

SymbolPriceYieldDescription
BANCP25.945.80Deposit Shs Repr 1/40th 8% Non-Cum Perp Pfd Sr C

Ratios

vs
industry
vs
history
P/E(ttm) 388.80
BANC's P/E(ttm) is ranked lower than
68% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. BANC: 388.80 )
BANC' s 10-Year P/E(ttm) Range
Min: 11.1   Max: 441.61
Current: 388.8

11.1
441.61
P/B 0.90
BANC's P/B is ranked higher than
76% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BANC: 0.90 )
BANC' s 10-Year P/B Range
Min: 0.25   Max: 2.09
Current: 0.9

0.25
2.09
P/S 0.90
BANC's P/S is ranked higher than
93% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. BANC: 0.90 )
BANC' s 10-Year P/S Range
Min: 0.64   Max: 8.06
Current: 0.9

0.64
8.06
EV-to-EBIT 90.90
BANC's EV-to-EBIT is ranked lower than
74% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. BANC: 90.90 )
BANC' s 10-Year EV-to-EBIT Range
Min: 9   Max: 3858.6
Current: 90.9

9
3858.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.00
BANC's Dividend Yield is ranked higher than
79% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. BANC: 4.00 )
BANC' s 10-Year Dividend Yield Range
Min: 0.52   Max: 11.82
Current: 4

0.52
11.82
Dividend growth (3y) 24.30
BANC's Dividend growth (3y) is ranked higher than
90% of the 809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. BANC: 24.30 )
BANC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 34.3
Current: 24.3

0
34.3
Yield on cost (5-Year) 10.63
BANC's Yield on cost (5-Year) is ranked higher than
94% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. BANC: 10.63 )
BANC' s 10-Year Yield on cost (5-Year) Range
Min: 1.38   Max: 31.43
Current: 10.63

1.38
31.43
Share Buyback Rate -41.50
BANC's Share Buyback Rate is ranked lower than
53% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.70 vs. BANC: -41.50 )
BANC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -41.5
Current: -41.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
BANC's Price/Tangible Book is ranked higher than
68% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BANC: 1.20 )
BANC' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 1.6
Current: 1.2

0.29
1.6
Price/Median PS Value 0.20
BANC's Price/Median PS Value is ranked higher than
99% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BANC: 0.20 )
BANC' s 10-Year Price/Median PS Value Range
Min: 0.21   Max: 6.42
Current: 0.2

0.21
6.42
Price/Graham Number 10.30
BANC's Price/Graham Number is ranked lower than
72% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BANC: 10.30 )
BANC' s 10-Year Price/Graham Number Range
Min: 0.95   Max: 11.46
Current: 10.3

0.95
11.46
Earnings Yield (Greenblatt) 1.10
BANC's Earnings Yield (Greenblatt) is ranked lower than
63% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BANC: 1.10 )
BANC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 11.1
Current: 1.1

0.2
11.1
Forward Rate of Return (Yacktman) 6.97
BANC's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. BANC: 6.97 )
BANC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -15.7   Max: 25.5
Current: 6.97

-15.7
25.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Banc of California Inc was incorporated under Maryland law in March 2002. The Company is a multi-bank holding company of Pacific Trust Bank, a Federal Savings Bank, and Beach Business Bank, a California-chartered bank. The Banks offers a variety of financial services to meet the banking and financial needs of the communities it serve. As of December 31, 2012 the Banks operated approximately 19 banking offices in San Diego, Riverside, Orange, and Los Angeles Counties in California and 24 single family mortgage loan production offices in California, Arizona, Oregon and Washington. PacTrust Bank is engaged in attracting retail deposits from the general public and investing these funds primarily in loans secured by first mortgages on owner-occupied, one- to four-family residences, a variety of consumer loans, multi-family and commercial real estate and commercial business loans. Its consumer product and service offerings include checking, savings, money market, certificates of deposit, retirement accounts as well as mobile, online & telephone banking, automated bill payment, electronic statements, safe deposit boxes, direct deposit and wire transfers. PacTrust Bank offers its business customers services including commercial and industrial lending, Small Business Administration lending, equipment leasing & financing, cash & treasury management, card payment services, remote deposit, ACH origination and employer or employee retirement planning. Beach is a community bank engaged in the general commercial banking business. Beach offers a variety of deposit and loan products to individuals and small to mid-sized businesses. The Company offers a number of commercial and consumer loan products, including commercial and industrial loans, commercial real estate mortgage loans, multi-family mortgage loans, SBA guaranteed business loans, construction loans, lease financing, single family 1-4 unit residential mortgage loans, home equity lines of credit (HELOCs), home equity loans and other consumer loans. Commercial and industrial loans are made to finance operations, provide working capital, or to finance the purchase of assets, equipment or inventory. The Company provides numerous SBA loan products, primarily through Beach Business Bank which has the distinction of Preferred Lenders Program (PLP) status within the SBA. Beach's PLP status generally gives it the authority to make the final credit decision and have most servicing and liquidation authority. The Company's non-traditional mortgage portfolio is comprised of three interest products: the Green Account Loans, the hybrid interest only adjustable rate mortgage and a small number of negatively amortizing ARM loans. It competes with saving institutions, commercial banks, credit unions and finance companies in consumer lending.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide