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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 0.48
BANCPRC's Cash to Debt is ranked higher than
66% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BANCPRC: 0.48 )
BANCPRC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.48

Equity to Asset 0.10
BANCPRC's Equity to Asset is ranked higher than
73% of the 1742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BANCPRC: 0.10 )
BANCPRC' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.22
Current: 0.1

0.06
0.22
Interest Coverage 0.32
BANCPRC's Interest Coverage is ranked higher than
50% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. BANCPRC: 0.32 )
BANCPRC' s 10-Year Interest Coverage Range
Min: 0.12   Max: 0.78
Current: 0.32

0.12
0.78
F-Score: 1
Z-Score: 0.14
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 : 6/10

vs
industry
vs
history
Operating margin (%) 3.57
BANCPRC's Operating margin (%) is ranked higher than
51% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.47 vs. BANCPRC: 3.57 )
BANCPRC' s 10-Year Operating margin (%) Range
Min: -598.09   Max: 41
Current: 3.57

-598.09
41
Net-margin (%) 1.50
BANCPRC's Net-margin (%) is ranked higher than
51% of the 1769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. BANCPRC: 1.50 )
BANCPRC' s 10-Year Net-margin (%) Range
Min: -8.01   Max: 190.72
Current: 1.5

-8.01
190.72
ROE (%) 1.10
BANCPRC's ROE (%) is ranked higher than
52% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. BANCPRC: 1.10 )
BANCPRC' s 10-Year ROE (%) Range
Min: -1.7   Max: 7.6
Current: 1.1

-1.7
7.6
ROA (%) 0.10
BANCPRC's ROA (%) is ranked higher than
52% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. BANCPRC: 0.10 )
BANCPRC' s 10-Year ROA (%) Range
Min: -0.29   Max: 0.78
Current: 0.1

-0.29
0.78
ROC (Joel Greenblatt) (%) 15.71
BANCPRC's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 1745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.56 vs. BANCPRC: 15.71 )
BANCPRC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -340.31   Max: 168.27
Current: 15.71

-340.31
168.27
Revenue Growth (%) 22.80
BANCPRC's Revenue Growth (%) is ranked higher than
97% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BANCPRC: 22.80 )
BANCPRC' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 56.7
Current: 22.8

0
56.7
EBITDA Growth (%) 3.90
BANCPRC's EBITDA Growth (%) is ranked higher than
70% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. BANCPRC: 3.90 )
BANCPRC' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 59.3
Current: 3.9

0
59.3
» BANCPRC's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with BANCPRC

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Preferred stocks of Banc of California Inc

SymbolPriceYieldDescription
BANCPRC26.547.52Deposit Shs Repr 1/40th 8% Non-Cum Perp Pfd Sr C

Ratios

vs
industry
vs
history
P/B 0.67
BANCPRC's P/B is ranked higher than
89% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. BANCPRC: 0.67 )
BANCPRC' s 10-Year P/B Range
Min: 0.25   Max: 2.09
Current: 0.67

0.25
2.09
P/S 0.99
BANCPRC's P/S is ranked higher than
96% of the 1715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. BANCPRC: 0.99 )
BANCPRC' s 10-Year P/S Range
Min: 0.64   Max: 6.04
Current: 0.99

0.64
6.04
EV-to-EBIT 52.72
BANCPRC's EV-to-EBIT is ranked lower than
52% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. BANCPRC: 52.72 )
BANCPRC' s 10-Year EV-to-EBIT Range
Min: 9   Max: 3858.6
Current: 52.72

9
3858.6
Shiller P/E 369.72
BANCPRC's Shiller P/E is ranked lower than
52% of the 1097 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.30 vs. BANCPRC: 369.72 )
BANCPRC' s 10-Year Shiller P/E Range
Min: 6.51   Max: 406.67
Current: 369.72

6.51
406.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.52
BANCPRC's Dividend Yield is ranked higher than
80% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. BANCPRC: 7.52 )
BANCPRC' s 10-Year Dividend Yield Range
Min: 1.1   Max: 11.82
Current: 7.52

1.1
11.82
Dividend growth (3y) 24.30
BANCPRC's Dividend growth (3y) is ranked higher than
91% of the 1032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. BANCPRC: 24.30 )
BANCPRC' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 34.3
Current: 24.3

0
34.3
Yield on cost (5-Year) 19.99
BANCPRC's Yield on cost (5-Year) is ranked higher than
93% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. BANCPRC: 19.99 )
BANCPRC' s 10-Year Yield on cost (5-Year) Range
Min: 2.92   Max: 31.43
Current: 19.99

2.92
31.43
Share Buyback Rate -44.10
BANCPRC's Share Buyback Rate is ranked higher than
51% of the 1299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. BANCPRC: -44.10 )
BANCPRC' s 10-Year Share Buyback Rate Range
Min: 0   Max: -44.1
Current: -44.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.79
BANCPRC's Price/Tangible Book is ranked higher than
87% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. BANCPRC: 0.79 )
BANCPRC' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 2.08
Current: 0.79

0.29
2.08
Price/Median PS Value 0.33
BANCPRC's Price/Median PS Value is ranked higher than
99% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BANCPRC: 0.33 )
BANCPRC' s 10-Year Price/Median PS Value Range
Min: 0.24   Max: 7.44
Current: 0.33

0.24
7.44
Price/Graham Number 1.36
BANCPRC's Price/Graham Number is ranked higher than
52% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. BANCPRC: 1.36 )
BANCPRC' s 10-Year Price/Graham Number Range
Min: 0.57   Max: 11.46
Current: 1.36

0.57
11.46
Earnings Yield (Greenblatt) 1.90
BANCPRC's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. BANCPRC: 1.90 )
BANCPRC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 11.1
Current: 1.9

0.2
11.1
Forward Rate of Return (Yacktman) -17.08
BANCPRC's Forward Rate of Return (Yacktman) is ranked higher than
50% of the 1378 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.45 vs. BANCPRC: -17.08 )
BANCPRC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -22.5   Max: 25.5
Current: -17.08

-22.5
25.5

Business Description

Industry: Banks » Banks - Regional - US
Compare: » 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.

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