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

Cash to Debt 0.34
BANCPRC's Cash to Debt is ranked higher than
67% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. BANCPRC: 0.34 )
BANCPRC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.34

Equity to Asset 0.09
BANCPRC's Equity to Asset is ranked higher than
62% of the 1643 Companies
in the Global Banks - Regional - US industry.

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

Interest Coverage 0.32
BANCPRC's Interest Coverage is ranked lower than
52% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. BANCPRC: 0.32 )
BANCPRC' s 10-Year Interest Coverage Range
Min: 0.12   Max: 0.78
Current: 0.32

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

Operating margin (%) 3.78
BANCPRC's Operating margin (%) is ranked higher than
50% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. BANCPRC: 3.78 )
BANCPRC' s 10-Year Operating margin (%) Range
Min: -598.09   Max: 41
Current: 3.78

Net-margin (%) 0.04
BANCPRC's Net-margin (%) is ranked lower than
51% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. BANCPRC: 0.04 )
BANCPRC' s 10-Year Net-margin (%) Range
Min: -8.01   Max: 190.72
Current: 0.04

ROE (%) 0.02
BANCPRC's ROE (%) is ranked lower than
51% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. BANCPRC: 0.02 )
BANCPRC' s 10-Year ROE (%) Range
Min: -1.48   Max: 7.3
Current: 0.02

ROC (Joel Greenblatt) (%) 11.08
BANCPRC's ROC (Joel Greenblatt) (%) is ranked higher than
53% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. BANCPRC: 11.08 )
BANCPRC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -170.15   Max: 169.75
Current: 11.08

» BANCPRC's 10-Y Financials


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

» Details

Insider Trades

Latest Guru Trades with BANCPRC

No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Banc of California Inc

BANCPRC26.547.55Deposit Shs Repr 1/40th 8% Non-Cum Perp Pfd Sr C


EV-to-EBIT 125.00
BANCPRC's EV-to-EBIT is ranked higher than
57% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. BANCPRC: 125.00 )
BANCPRC' s 10-Year EV-to-EBIT Range
Min: 0   Max: 0
Current: 125

Dividend & Buy Back

Dividend Yield 7.55
BANCPRC's Dividend Yield is ranked higher than
82% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. BANCPRC: 7.55 )
BANCPRC' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 7.55

Yield on cost (5-Year) 7.59
BANCPRC's Yield on cost (5-Year) is ranked higher than
94% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. BANCPRC: 7.59 )
BANCPRC' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 7.59

Valuation & Return


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.

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
Email Hide