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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.47
BANCPRC's Cash to Debt is ranked higher than
65% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BANCPRC: 0.47 )
BANCPRC' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.47

Equity to Asset 0.10
BANCPRC's Equity to Asset is ranked higher than
70% of the 1996 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 1825 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: 2
Z-Score: 0.16
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 (%) 10.63
BANCPRC's Operating margin (%) is ranked higher than
54% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. BANCPRC: 10.63 )
BANCPRC' s 10-Year Operating margin (%) Range
Min: -598.09   Max: 41
Current: 10.63

-598.09
41
Net-margin (%) 8.32
BANCPRC's Net-margin (%) is ranked higher than
54% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. BANCPRC: 8.32 )
BANCPRC' s 10-Year Net-margin (%) Range
Min: -8.01   Max: 190.72
Current: 8.32

-8.01
190.72
ROE (%) 6.37
BANCPRC's ROE (%) is ranked higher than
67% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. BANCPRC: 6.37 )
BANCPRC' s 10-Year ROE (%) Range
Min: -1.7   Max: 7.6
Current: 6.37

-1.7
7.6
ROA (%) 0.58
BANCPRC's ROA (%) is ranked higher than
65% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BANCPRC: 0.58 )
BANCPRC' s 10-Year ROA (%) Range
Min: -0.29   Max: 0.78
Current: 0.58

-0.29
0.78
ROC (Joel Greenblatt) (%) 45.37
BANCPRC's ROC (Joel Greenblatt) (%) is ranked higher than
66% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. BANCPRC: 45.37 )
BANCPRC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -340.31   Max: 168.27
Current: 45.37

-340.31
168.27
Revenue Growth (%) 22.80
BANCPRC's Revenue Growth (%) is ranked higher than
97% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 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
71% of the 1558 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

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

Ratios

vs
industry
vs
history
P/E(ttm) 16.40
BANCPRC's P/E(ttm) is ranked higher than
76% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. BANCPRC: 16.40 )
BANCPRC' s 10-Year P/E(ttm) Range
Min: 11.1   Max: 125.83
Current: 16.4

11.1
125.83
P/B 0.87
BANCPRC's P/B is ranked higher than
88% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. BANCPRC: 0.87 )
BANCPRC' s 10-Year P/B Range
Min: 0.25   Max: 2.09
Current: 0.87

0.25
2.09
P/S 0.94
BANCPRC's P/S is ranked higher than
97% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. BANCPRC: 0.94 )
BANCPRC' s 10-Year P/S Range
Min: 0.64   Max: 6.04
Current: 0.94

0.64
6.04
EV-to-EBIT 20.55
BANCPRC's EV-to-EBIT is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. BANCPRC: 20.55 )
BANCPRC' s 10-Year EV-to-EBIT Range
Min: -112.9   Max: 3858.6
Current: 20.55

-112.9
3858.6
Shiller P/E 637.19
BANCPRC's Shiller P/E is ranked higher than
75% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BANCPRC: 637.19 )
BANCPRC' s 10-Year Shiller P/E Range
Min: 6.51   Max: 637.19
Current: 637.19

6.51
637.19

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.55
BANCPRC's Dividend Yield is ranked higher than
85% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. BANCPRC: 7.55 )
BANCPRC' s 10-Year Dividend Yield Range
Min: 1.1   Max: 11.82
Current: 7.55

1.1
11.82
Dividend growth (3y) 24.30
BANCPRC's Dividend growth (3y) is ranked higher than
91% of the 1118 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) 20.07
BANCPRC's Yield on cost (5-Year) is ranked higher than
95% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. BANCPRC: 20.07 )
BANCPRC' s 10-Year Yield on cost (5-Year) Range
Min: 2.92   Max: 31.43
Current: 20.07

2.92
31.43
Share Buyback Rate -44.10
BANCPRC's Share Buyback Rate is ranked higher than
51% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 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
Earnings Yield (Greenblatt) 4.90
BANCPRC's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. BANCPRC: 4.90 )
BANCPRC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 1241.9
Current: 4.9

0.2
1241.9
Forward Rate of Return (Yacktman) -81.95
BANCPRC's Forward Rate of Return (Yacktman) is ranked lower than
53% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. BANCPRC: -81.95 )
BANCPRC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -49.6   Max: 28
Current: -81.95

-49.6
28

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 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.

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