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Banc of CaliforniaFRA:FPB -14.63%70 Debt-to-Equity is 1.11 as of Mar. 2026, which is 3% above its 10-year median of 1.08. GuruFocus rates FRA:FPB with a GF Score™ of 70/100 and a GF Value™ of €16.14 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,421 Banks companies, Banc of California ranks worse than 63.48% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Banc of California's Debt-to-Equity or its related term are showing as below:
FRA:FPB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.36 Med: 1.08 Max: 2.1
Current: 0.89
During the past 13 years, the highest Debt-to-Equity Ratio of Banc of California was 2.10. The lowest was 0.36. And the median was 1.08.
FRA:FPB's Debt-to-Equity is ranked worse than 63.48% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs FRA:FPB: 0.89
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Banc of California Debt-to-Equity Related Terms
Banc of California Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Banc of California's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:FPB vs SBCF, BOH, TOWN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Banc of California's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banc of California Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banc of California's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Banc of California's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Banc of California (FRA:FPB) has a Debt-to-Equity of 1.11 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banc of California and its competitors. This is near median its historical median of 1.08. Over the past decade, Banc of California's Debt-to-Equity has ranged from 0.36 to 2.10. According to the industry distribution chart, Banc of California ranks #902 out of 1421 companies in the Banks industry, placing it in the top 63.5%.
Is Banc of California's Debt-to-Equity too high?
Banc of California's current Debt-to-Equity of 1.11 is near median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 2.10. The Banks industry median Debt-to-Equity is 0.58. Banc of California's value of 1.11 is 91.4% above this industry median. Based on the distribution chart, Banc of California ranks #902 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Banc of California has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banc of California's Debt-to-Equity compare to SBCF and BOH?
According to the Banks industry distribution chart, Banc of California ranks #902 out of 1421 companies for Debt-to-Equity. This places Banc of California in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Banc of California's value of 1.11 is 91.4% above this benchmark. Historically, Banc of California's own Debt-to-Equity has ranged from 0.36 to 2.10 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 0.58, Banc of California has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banc of California's current Debt-to-Equity of 1.11 is 91.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Banc of California and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banc of California's current Debt-to-Equity is 1.11, which is near median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banc of California stock overvalued right now?
Based on GuruFocus' analysis, Banc of California (FRA:FPB) is currently considered Fairly Valued. The stock's GF Value™ is €16.14, compared to a current price of €15.61 — trading 3.3% below its estimated fair value. The current Debt-to-Equity is 1.11, which is near median its 10-year median of 1.08 and 91.4% above the Banks industry median of 0.58. Banc of California's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Banc of California (FRA:FPB), the current Debt-to-Equity is 1.11 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banc of California (FRA:FPB) Overvalued in 2026?
Based on GuruFocus' analysis, Banc of California stock appears to be undervalued.
The current stock price of €15.61 is trading 3.3% below its estimated GF Value™ of €16.14.
GuruFocus considers Banc of California to be Fairly Valued.
Key valuation signals for FRA:FPB:
Debt-to-Equity: 1.11 (near median its 10-year median of 1.08)
GF Value™: €16.14 vs. price of €15.61 (3.3% below fair value)
Industry Position: 91.4% above the Banks median (#902 of 1421)
No single metric tells the full story. See the FRA:FPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banc of California Inc is a financial holding company. It offers banking and financial services. Its services include banking services, lending services, and private banking services. Its deposit and banking product and service offerings include checking, savings, money market, certificates of deposit, and retirement accounts. Lending activities are focused on providing financing to California's diverse private businesses, entrepreneurs, and communities, and loans are often secured by California commercial and residential real estate. The company has one reportable segment named Commercial banking.
70GF Score
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