The historical rank and industry rank for Banc of California's Net Margin % or its related term are showing as below:
STU:FPB'
s Net Margin % Range Over the Past 10 Years
Min: -682.2 Med: 15.69 Max: 47.39
Current: 22.05
STU:FPB's Net Margin % is ranked worse than 65.68% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STU:FPB: 22.05
Banc of California (STU:FPB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Banc of California Net Margin % Related Terms
Banc of California Net Margin % Historical Data
* Premium members only.
The historical data trend for Banc of California's Net Margin % 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.
STU:FPB vs SBCF, NIC, BOH: Net Margin % Comparison
For the Banks - Regional subindustry, Banc of California's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banc of California's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banc of California's Net Margin % 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 (STU:FPB) has a Net Margin % of 25.46% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Banc of California and its competitors. This is 62% above median its historical median of 15.69. According to the industry distribution chart, Banc of California ranks #1003 out of 1527 companies in the Banks industry, placing it in the top 65.7%.
Is Banc of California's Net Margin % too high?
Banc of California's current Net Margin % of 25.46% is 62% above median its 10-year median of 15.69. The Banks industry median Net Margin % is 26.95. Banc of California's value of 25.46% is 5.5% below this industry median. Based on the distribution chart, Banc of California ranks #1003 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Banc of California has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Banc of California's Net Margin % compare to SBCF and NIC?
According to the Banks industry distribution chart, Banc of California ranks #1003 out of 1527 companies for Net Margin %. This places Banc of California in the lower half of its industry. The industry median Net Margin % is 26.95. Banc of California's value of 25.46% is 5.5% below this benchmark. While the company's 10-year median is 15.69 vs. the industry median of 26.95, Banc of California has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banc of California's current Net Margin % of 25.46% is 5.5% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Banc of California and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banc of California's current Net Margin % is 25.46%, which is 62% above median its own 10-year median of 15.69. 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?
Banc of California (STU:FPB) has a current Net Margin % of 25.46%. The stock's GF Value™ is €16.65, compared to a current price of €17.88 — trading 7.4% above its estimated fair value. The current Net Margin % is 25.46%, which is 62% above median its 10-year median of 15.69 and 5.5% below the Banks industry median of 26.95. Banc of California's overall GF Score™ is 65/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Banc of California (STU:FPB), the current Net Margin % is 25.46% 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 (STU:FPB) Overvalued in 2026?
Based on GuruFocus' analysis, Banc of California stock appears to be overvalued.
The current stock price of €17.88 is trading 7.4% above its estimated GF Value™ of €16.65.
Key valuation signals for STU:FPB:
Net Margin %: 25.46% (62% above median its 10-year median of 15.69)
GF Value™: €16.65 vs. price of €17.88 (7.4% above fair value)
Industry Position: 5.5% below the Banks median (#1003 of 1527)
No single metric tells the full story. See the STU: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.
65GF Score
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