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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 0.15
BANC's Cash to Debt is ranked lower than
89% of the 1188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. BANC: 0.15 )
Ranked among companies with meaningful Cash to Debt only.
BANC' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.13 Max: N/A
Current: 0.15
Equity to Asset 0.09
BANC's Equity to Asset is ranked lower than
61% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BANC: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
BANC' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.22
Current: 0.09
0.06
0.22
Interest Coverage 2.42
BANC's Interest Coverage is ranked higher than
61% of the 1565 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. BANC: 2.42 )
Ranked among companies with meaningful Interest Coverage only.
BANC' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.36 Max: 2.45
Current: 2.42
0.12
2.45
F-Score: 2
M-Score: -1.85
WACC vs ROIC
4.19%
5.06%
WACC
ROIC
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 (%) 24.58
BANC's Operating margin (%) is ranked lower than
67% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.14 vs. BANC: 24.58 )
Ranked among companies with meaningful Operating margin (%) only.
BANC' s Operating margin (%) Range Over the Past 10 Years
Min: -8.88  Med: 7.96 Max: 34.86
Current: 24.58
-8.88
34.86
Net-margin (%) 14.77
BANC's Net-margin (%) is ranked lower than
76% of the 1694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.52 vs. BANC: 14.77 )
Ranked among companies with meaningful Net-margin (%) only.
BANC' s Net-margin (%) Range Over the Past 10 Years
Min: -8.01  Med: 7.64 Max: 22.68
Current: 14.77
-8.01
22.68
ROE (%) 8.40
BANC's ROE (%) is ranked higher than
50% of the 1689 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.37 vs. BANC: 8.40 )
Ranked among companies with meaningful ROE (%) only.
BANC' s ROE (%) Range Over the Past 10 Years
Min: -2.04  Med: 2.04 Max: 9.04
Current: 8.4
-2.04
9.04
ROA (%) 0.92
BANC's ROA (%) is ranked higher than
53% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. BANC: 0.92 )
Ranked among companies with meaningful ROA (%) only.
BANC' s ROA (%) Range Over the Past 10 Years
Min: -0.29  Med: 0.37 Max: 0.87
Current: 0.92
-0.29
0.87
Revenue Growth (3Y)(%) 19.10
BANC's Revenue Growth (3Y)(%) is ranked higher than
90% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. BANC: 19.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BANC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.70 Max: 56.8
Current: 19.1
0
56.8
EBITDA Growth (3Y)(%) 64.20
BANC's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. BANC: 64.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BANC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -4.30 Max: 64.2
Current: 64.2
0
64.2
EPS Growth (3Y)(%) 52.70
BANC's EPS Growth (3Y)(%) is ranked higher than
93% of the 1270 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. BANC: 52.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BANC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -2.95 Max: 70
Current: 52.7
0
70
» BANC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-30)


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

» Details

Guru Trades

Q2 2015

BANC Guru Trades in Q2 2015

Jim Simons 174,414 sh (New)
John Keeley 25,000 sh (unchged)
Howard Marks 2,859,702 sh (-13.05%)
» More
Q3 2015

BANC Guru Trades in Q3 2015

Ken Fisher 219,398 sh (New)
Jim Simons 282,000 sh (+61.68%)
John Keeley 22,500 sh (-10.00%)
Howard Marks 2,004,204 sh (-29.92%)
» More
Q4 2015

BANC Guru Trades in Q4 2015

Jim Simons 417,100 sh (+47.91%)
Ken Fisher 246,510 sh (+12.36%)
John Keeley 22,500 sh (unchged)
Howard Marks 1,299,144 sh (-35.18%)
» More
Q1 2016

BANC Guru Trades in Q1 2016

David Dreman 138 sh (New)
Jim Simons 781,200 sh (+87.29%)
John Keeley 22,500 sh (unchged)
Ken Fisher 246,510 sh (unchged)
Howard Marks 286,594 sh (-77.94%)
» More
» Details

Insider Trades

Latest Guru Trades with BANC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Banc of California Inc

SymbolPriceYieldDescription
BANCPRC27.257.34Deposit Shs Repr 1/40th 8% Non-Cum Perp Pfd Sr C
BANCPRD26.866.31Deposit Shs Repr 1/40th 7.375 % Non Cum Perp Pfd Shs Series -D-
BANC/PE26.470.00Deposit Shs Repr 1/40th Non-Cum Pfd Shs Series -E-

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:BBCN, NAS:FIBK, NAS:LTXB, NAS:WSBC, NAS:NBTB, NAS:OPB » details
Traded in other countries:FPB.Germany,
Banc of California Inc is a is a financial holding company. It offers banking and financial services. Its services include banking services, lending services and private banking services.

Banc of California Inc was incorporated under Maryland law in March 2002. The Company is a is a financial holding company and the parent of Banc of California, National Association, a national bank (the Bank), the Palisades Group, LLC, , and PTB Property Holdings, LLC. 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 Bank operated 15 branches in San Diego, Orange, and Los Angeles Counties in California and 68 producing mortgage loan production offices in California, Arizona, Oregon, Montana, Virginia and Washington. The principal business of the Bank consists of attracting retail deposits from the general public and investing these funds primarily in commercial, consumer and real estate secured loans. The Bank solicits deposits in its market area and, to a lesser extent, from institutional depositors nationwide and may accept brokered deposits. The Bank's deposit product and service offerings include checking, savings, money market, certificates of deposit, retirement accounts as well as mobile, online, cash and treasury management, card payment services, remote deposit, ACH origination, employer/employee retirement planning, telephone banking, automated bill payment, electronic statements, safe deposit boxes, direct deposit and wire transfers. Bank customers also have the ability to access their accounts through a nationwide network of over 30,000 surcharge-free ATMs. 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, 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 Small Business Administration loan products, primarily through the Bank. The Company's non-traditional mortgage portfolio is comprised of three interest only products: the Green Account Loans, the hybrid interest only adjustable rate mortgage (ARM) and a small number of negatively amortizing ARM loans. The Company competes with other commercial banks, savings institutions, credit unions and mortgage bankers.

Ratios

vs
industry
vs
history
P/E(ttm) 13.95
BANC's P/E(ttm) is ranked lower than
53% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.48 vs. BANC: 13.95 )
Ranked among companies with meaningful P/E(ttm) only.
BANC' s P/E(ttm) Range Over the Past 10 Years
Min: 9.61  Med: 24.53 Max: 125.83
Current: 13.95
9.61
125.83
Forward P/E 10.16
BANC's Forward P/E is ranked higher than
65% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.51 vs. BANC: 10.16 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.95
BANC's PE(NRI) is ranked lower than
53% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. BANC: 13.95 )
Ranked among companies with meaningful PE(NRI) only.
BANC' s PE(NRI) Range Over the Past 10 Years
Min: 9.6  Med: 24.54 Max: 684.5
Current: 13.95
9.6
684.5
Price/Owner Earnings (ttm) 15.60
BANC's Price/Owner Earnings (ttm) is ranked lower than
64% of the 871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.93 vs. BANC: 15.60 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BANC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.03  Med: 20.05 Max: 720.53
Current: 15.6
4.03
720.53
P/B 1.33
BANC's P/B is ranked lower than
70% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. BANC: 1.33 )
Ranked among companies with meaningful P/B only.
BANC' s P/B Range Over the Past 10 Years
Min: 0.25  Med: 0.93 Max: 2.09
Current: 1.33
0.25
2.09
P/S 1.61
BANC's P/S is ranked higher than
79% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. BANC: 1.61 )
Ranked among companies with meaningful P/S only.
BANC' s P/S Range Over the Past 10 Years
Min: 0.64  Med: 1.66 Max: 6.04
Current: 1.61
0.64
6.04
EV-to-EBIT 21.09
BANC's EV-to-EBIT is ranked lower than
74% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.90 vs. BANC: 21.09 )
Ranked among companies with meaningful EV-to-EBIT only.
BANC' s EV-to-EBIT Range Over the Past 10 Years
Min: -113  Med: 28.90 Max: 3858.6
Current: 21.09
-113
3858.6
EV-to-EBITDA 18.60
BANC's EV-to-EBITDA is ranked lower than
74% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.75 vs. BANC: 18.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
BANC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -145.6  Med: 24.20 Max: 488.6
Current: 18.6
-145.6
488.6
Shiller P/E 46.29
BANC's Shiller P/E is ranked lower than
91% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.88 vs. BANC: 46.29 )
Ranked among companies with meaningful Shiller P/E only.
BANC' s Shiller P/E Range Over the Past 10 Years
Min: 17.68  Med: 26.67 Max: 47.33
Current: 46.29
17.68
47.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.42
BANC's Dividend Yield is ranked lower than
59% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.05 vs. BANC: 2.42 )
Ranked among companies with meaningful Dividend Yield only.
BANC' s Dividend Yield Range Over the Past 10 Years
Min: 1.56  Med: 3.62 Max: 11.82
Current: 2.42
1.56
11.82
Dividend Payout 0.33
BANC's Dividend Payout is ranked higher than
84% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. BANC: 0.33 )
Ranked among companies with meaningful Dividend Payout only.
BANC' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.45 Max: 2.88
Current: 0.33
0.08
2.88
Forward Dividend Yield 2.45
BANC's Forward Dividend Yield is ranked lower than
64% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. BANC: 2.45 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.97
BANC's Yield on cost (5-Year) is ranked higher than
59% of the 2524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.53 vs. BANC: 3.97 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BANC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.56  Med: 5.94 Max: 19.38
Current: 3.97
2.56
19.38
3-Year Average Share Buyback Ratio -47.40
BANC's 3-Year Average Share Buyback Ratio is ranked lower than
96% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. BANC: -47.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BANC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -47.4  Med: 0.80 Max: 0
Current: -47.4
-47.4
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.70
BANC's Price/Tangible Book is ranked lower than
75% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BANC: 1.70 )
Ranked among companies with meaningful Price/Tangible Book only.
BANC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.29  Med: 1.12 Max: 2.08
Current: 1.7
0.29
2.08
Price/Median PS Value 1.00
BANC's Price/Median PS Value is ranked higher than
60% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BANC: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
BANC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 1.50 Max: 23.08
Current: 1
0.44
23.08
Price/Graham Number 1.03
BANC's Price/Graham Number is ranked lower than
64% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. BANC: 1.03 )
Ranked among companies with meaningful Price/Graham Number only.
BANC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.73  Med: 1.21 Max: 6.54
Current: 1.03
0.73
6.54
Earnings Yield (Greenblatt) (%) 4.74
BANC's Earnings Yield (Greenblatt) (%) is ranked lower than
67% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.12 vs. BANC: 4.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BANC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 2.90 Max: 40.9
Current: 4.74
0.2
40.9
Forward Rate of Return (Yacktman) (%) -14.68
BANC's Forward Rate of Return (Yacktman) (%) is ranked lower than
91% of the 861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. BANC: -14.68 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BANC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -100.3  Med: 14.60 Max: 44.2
Current: -14.68
-100.3
44.2

More Statistics

Revenue (TTM) (Mil) $468.3
EPS (TTM) $ 1.43
Beta0.35
Short Percentage of Float5.86%
52-Week Range $11.71 - 20.85
Shares Outstanding (Mil)44.01

Analyst Estimate

Dec16 Dec17
Revenue (Mil $) 512 560
EPS ($) 1.53 1.93
EPS without NRI ($) 1.53 1.93
EPS Growth Rate
(3Y to 5Y Estimate)
15.00%
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