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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.31
BANCPRC's Cash-to-Debt is ranked lower than
83% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. BANCPRC: 0.31 )
Ranked among companies with meaningful Cash-to-Debt only.
BANCPRC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.15 Max: N/A
Current: 0.31
Equity-to-Asset 0.09
BANCPRC's Equity-to-Asset is ranked lower than
60% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BANCPRC: 0.09 )
Ranked among companies with meaningful Equity-to-Asset only.
BANCPRC' 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 1.86
BANCPRC's Interest Coverage is ranked higher than
53% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. BANCPRC: 1.86 )
Ranked among companies with meaningful Interest Coverage only.
BANCPRC' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.72 Max: 2.51
Current: 1.86
0.12
2.51
Beneish M-Score: -2.64
WACC vs ROIC
6.26%
6.08%
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 : 5/10

vs
industry
vs
history
Operating Margin % 20.93
BANCPRC's Operating Margin % is ranked lower than
75% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. BANCPRC: 20.93 )
Ranked among companies with meaningful Operating Margin % only.
BANCPRC' s Operating Margin % Range Over the Past 10 Years
Min: -8.88  Med: 8.08 Max: 25.01
Current: 20.93
-8.88
25.01
Net Margin % 19.80
BANCPRC's Net Margin % is ranked lower than
61% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.93 vs. BANCPRC: 19.80 )
Ranked among companies with meaningful Net Margin % only.
BANCPRC' s Net Margin % Range Over the Past 10 Years
Min: -8.01  Med: 7.64 Max: 19.8
Current: 19.8
-8.01
19.8
ROE % 9.64
BANCPRC's ROE % is ranked higher than
58% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.55 vs. BANCPRC: 9.64 )
Ranked among companies with meaningful ROE % only.
BANCPRC' s ROE % Range Over the Past 10 Years
Min: -2.04  Med: 2.04 Max: 11.7
Current: 9.64
-2.04
11.7
ROA % 1.06
BANCPRC's ROA % is ranked higher than
63% of the 1657 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. BANCPRC: 1.06 )
Ranked among companies with meaningful ROA % only.
BANCPRC' s ROA % Range Over the Past 10 Years
Min: -0.29  Med: 0.37 Max: 1.2
Current: 1.06
-0.29
1.2
3-Year Revenue Growth Rate -0.40
BANCPRC's 3-Year Revenue Growth Rate is ranked lower than
73% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. BANCPRC: -0.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BANCPRC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.5 Max: 49.3
Current: -0.4
0
49.3
3-Year EBITDA Growth Rate 53.10
BANCPRC's 3-Year EBITDA Growth Rate is ranked higher than
96% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. BANCPRC: 53.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BANCPRC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.15 Max: 63.4
Current: 53.1
0
63.4
GuruFocus has detected 5 Warning Signs with Banc of California Inc $BANCPRC.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» BANCPRC's 30-Y Financials

Financials (Next Earnings Date: 2017-08-03 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Preferred stocks of Banc of California Inc

SymbolPriceYieldDescription
BANCPRC27.095.54Deposit Shs Repr 1/40th 8% Non-Cum Perp Pfd Sr C
BANCPRD26.946.84Deposit Shs Repr 1/40th 7.375 % Non Cum Perp Pfd Shs Series -D-
BANCPRE26.667.22Deposit Shs Repr 1/40th Non-Cum Pfd Shs Series -E-

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:OTCPK:IEBS, NAS:OPHC, OTCBB:CCSB, OTCPK:TCNB, OTCPK:BTHT, OTCPK:HWIS, OTCPK:CSHB, OTCBB:SUGR, OTCPK:EGDW, OTCPK:DLNO, OTCPK:ALBY, OTCPK:CROL, OTCPK:CZID, OTCBB:CNNB, OTCPK:MWBC, OTCPK:MNBO, OTCPK:FRSB, OTCPK:CUMD, OTCPK:CZBS, OTCPK:SSNF » details
Traded in other countries:FPB.Germany,
Headquarter Location:USA
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, 2015, the Bank had 90 California banking locations including 35 full service branches in San Diego, Orange, Santa Barbara, and Los Angeles Counties. The principal business of the Bank consists of attracting retail deposits from the general public and investing these funds in commercial, consumer and real estate secured loans. 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 55,000 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 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.

Ratios

vs
industry
vs
history
PE Ratio 11.31
BANCPRC's PE Ratio is ranked higher than
65% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. BANCPRC: 11.31 )
Ranked among companies with meaningful PE Ratio only.
BANCPRC' s PE Ratio Range Over the Past 10 Years
Min: 7.08  Med: 23.37 Max: 342.25
Current: 11.31
7.08
342.25
Forward PE Ratio 17.15
BANCPRC's Forward PE Ratio is ranked lower than
67% of the 451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.46 vs. BANCPRC: 17.15 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.35
BANCPRC's PE Ratio without NRI is ranked higher than
61% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. BANCPRC: 12.35 )
Ranked among companies with meaningful PE Ratio without NRI only.
BANCPRC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.33  Med: 23.37 Max: 342.25
Current: 12.35
7.33
342.25
Price-to-Owner-Earnings 44.21
BANCPRC's Price-to-Owner-Earnings is ranked lower than
93% of the 910 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.67 vs. BANCPRC: 44.21 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BANCPRC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.51  Med: 22.86 Max: 98.21
Current: 44.21
7.51
98.21
PB Ratio 1.41
BANCPRC's PB Ratio is ranked lower than
63% of the 1707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. BANCPRC: 1.41 )
Ranked among companies with meaningful PB Ratio only.
BANCPRC' s PB Ratio Range Over the Past 10 Years
Min: 0.25  Med: 0.93 Max: 1.7
Current: 1.41
0.25
1.7
PS Ratio 1.78
BANCPRC's PS Ratio is ranked higher than
80% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. BANCPRC: 1.78 )
Ranked among companies with meaningful PS Ratio only.
BANCPRC' s PS Ratio Range Over the Past 10 Years
Min: 0.64  Med: 1.6 Max: 5.8
Current: 1.78
0.64
5.8
Price-to-Free-Cash-Flow 7.22
BANCPRC's Price-to-Free-Cash-Flow is ranked higher than
64% of the 924 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.10 vs. BANCPRC: 7.22 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BANCPRC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.22  Med: 9.09 Max: 97.23
Current: 7.22
1.22
97.23
Price-to-Operating-Cash-Flow 5.37
BANCPRC's Price-to-Operating-Cash-Flow is ranked higher than
66% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.83 vs. BANCPRC: 5.37 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BANCPRC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.21  Med: 6.68 Max: 75.24
Current: 5.37
1.21
75.24
EV-to-EBIT 18.42
BANCPRC's EV-to-EBIT is ranked lower than
70% of the 1395 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.92 vs. BANCPRC: 18.42 )
Ranked among companies with meaningful EV-to-EBIT only.
BANCPRC' s EV-to-EBIT Range Over the Past 10 Years
Min: -112.9  Med: 21.3 Max: 3858.6
Current: 18.42
-112.9
3858.6
EV-to-EBITDA 16.15
BANCPRC's EV-to-EBITDA is ranked lower than
69% of the 1399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.86 vs. BANCPRC: 16.15 )
Ranked among companies with meaningful EV-to-EBITDA only.
BANCPRC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -145.6  Med: 16.5 Max: 488.6
Current: 16.15
-145.6
488.6
Shiller PE Ratio 41.79
BANCPRC's Shiller PE Ratio is ranked lower than
89% of the 501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.95 vs. BANCPRC: 41.79 )
Ranked among companies with meaningful Shiller PE Ratio only.
BANCPRC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 17.68  Med: 27.54 Max: 52.23
Current: 41.79
17.68
52.23

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 5.54
BANCPRC's Dividend Yield % is ranked lower than
54% of the 2351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. BANCPRC: 5.54 )
Ranked among companies with meaningful Dividend Yield % only.
BANCPRC' s Dividend Yield % Range Over the Past 10 Years
Min: 1.56  Med: 3.64 Max: 11.82
Current: 5.54
1.56
11.82
3-Year Dividend Growth Rate 0.70
BANCPRC's 3-Year Dividend Growth Rate is ranked lower than
75% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BANCPRC: 0.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
BANCPRC' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.35 Max: 34.3
Current: 0.7
0
34.3
Forward Dividend Yield % 7.38
BANCPRC's Forward Dividend Yield % is ranked lower than
51% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. BANCPRC: 7.38 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.88
BANCPRC's 5-Year Yield-on-Cost % is ranked lower than
62% of the 2673 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. BANCPRC: 5.88 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
BANCPRC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.66  Med: 3.86 Max: 12.55
Current: 5.88
1.66
12.55
3-Year Average Share Buyback Ratio -35.30
BANCPRC's 3-Year Average Share Buyback Ratio is ranked lower than
95% of the 1073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. BANCPRC: -35.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BANCPRC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -47.4  Med: -13.35 Max: 0
Current: -35.3
-47.4
0

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) % 5.43
BANCPRC's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 1832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.18 vs. BANCPRC: 5.43 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BANCPRC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 2.9 Max: 40.9
Current: 5.43
0.2
40.9
Forward Rate of Return (Yacktman) % -15.63
BANCPRC's Forward Rate of Return (Yacktman) % is ranked lower than
93% of the 936 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. BANCPRC: -15.63 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BANCPRC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -100.3  Med: 14.6 Max: 44.2
Current: -15.63
-100.3
44.2

More Statistics

Beta0.23
Short Percentage of Float0.00%
52-Week Range $24.60 - 28.39

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