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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Banc of California has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Banc of California Inc displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Banc of California's interest coverage with the available data.
Banc of California's debt to revenue ratio for the quarter that ended in Jun. 2026 was 67.51.
Altman Z-Score does not apply to banks and insurance companies.
Banc of California (FRA:FPB) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Banc of California has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Banc of California Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 3 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Banc of California and its competitors. This is near median its historical median of 3.00. Over the past decade, Banc of California's Financial Strength has ranged from 2.00 to 6.00.
Is Banc of California's Financial Strength too high?
Banc of California's current Financial Strength of 3 is near median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 6.00. Overall, Banc of California has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Banc of California's Financial Strength compare to SBCF and BOH?
Banc of California's Financial Strength of 3 can be compared against companies in the Banks industry. Historically, Banc of California's own Financial Strength has ranged from 2.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Banc of California and its competitors. Banc of California's current Financial Strength is 3, which is near median its own 10-year median of 3.00. 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 (FRA:FPB) has a current Financial Strength of 3. The stock's GF Value™ is €14.09, compared to a current price of €15.93 — trading 13.1% above its estimated fair value. The current Financial Strength is 3, which is near median its 10-year median of 3.00. Banc of California's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Banc of California (FRA:FPB), the current Financial Strength is 3 as of Jun. 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 overvalued.
The current stock price of €15.93 is trading 13.1% above its estimated GF Value™ of €14.09.
Key valuation signals for FRA:FPB:
Financial Strength: 3 (near median its 10-year median of 3.00)
GF Value™: €14.09 vs. price of €15.93 (13.1% above fair value)
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.
67GF Score
Get the complete analysis for FRA:FPB
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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