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Banc of CaliforniaFRA:FPB +0.31%69 Return-on-Tangible-Asset is 0.84% as of Mar. 2026, which is 71% above its 10-year median of 0.49. GuruFocus rates FRA:FPB with a GF Score™ of 69/100 and a GF Value™ of €16.14 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, Banc of California ranks worse than 66.51% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Banc of California's annualizedNet Income for the quarter that ended in Mar. 2026 was €249.0 Mil. Banc of California's average total tangible assets for the quarter that ended in Mar. 2026 was €29,604.5 Mil. Therefore, Banc of California's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.84%.
The historical rank and industry rank for Banc of California's Return-on-Tangible-Asset or its related term are showing as below:
FRA:FPB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -4.87 Med: 0.49 Max: 7.09
Current: 0.73
During the past 13 years, Banc of California's highest Return-on-Tangible-Asset was 7.09%. The lowest was -4.87%. And the median was 0.49%.
FRA:FPB's Return-on-Tangible-Asset is ranked worse than 66.51% of 1529
companies
in the Banks industry
Industry Median: 0.99
vs FRA:FPB: 0.73
Banc of California (FRA:FPB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Banc of California Return-on-Tangible-Asset Related Terms
Banc of California Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Banc of California's Return-on-Tangible-Asset 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 BOH, SBCF, TOWN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Banc of California's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Banc of California's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Banc of California's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.84% mean?
Banc of California (FRA:FPB) has a Return-on-Tangible-Asset of 0.84% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Banc of California and its competitors. This is 71% above median its historical median of 0.49. According to the industry distribution chart, Banc of California ranks #1017 out of 1529 companies in the Banks industry, placing it in the top 66.5%.
Is Banc of California's Return-on-Tangible-Asset too high?
Banc of California's current Return-on-Tangible-Asset of 0.84% is 71% above median its 10-year median of 0.49. The Banks industry median Return-on-Tangible-Asset is 0.99. Banc of California's value of 0.84% is 15.2% below this industry median. Based on the distribution chart, Banc of California ranks #1017 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Banc of California has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banc of California's Return-on-Tangible-Asset compare to BOH and SBCF?
According to the Banks industry distribution chart, Banc of California ranks #1017 out of 1529 companies for Return-on-Tangible-Asset. This places Banc of California in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Banc of California's value of 0.84% is 15.2% below this benchmark. While the company's 10-year median is 0.49 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banc of California's current Return-on-Tangible-Asset of 0.84% is 15.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Banc of California and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banc of California's current Return-on-Tangible-Asset is 0.84%, which is 71% above median its own 10-year median of 0.49. 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 €17.70 — trading 9.7% above its estimated fair value. The current Return-on-Tangible-Asset is 0.84%, which is 71% above median its 10-year median of 0.49 and 15.2% below the Banks industry median of 0.99. Banc of California's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Banc of California (FRA:FPB), the current Return-on-Tangible-Asset is 0.84% 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 overvalued.
The current stock price of €17.70 is trading 9.7% above its estimated GF Value™ of €16.14.
GuruFocus considers Banc of California to be Fairly Valued.
Key valuation signals for FRA:FPB:
Return-on-Tangible-Asset: 0.84% (71% above median its 10-year median of 0.49)
GF Value™: €16.14 vs. price of €17.70 (9.7% above fair value)
Industry Position: 15.2% below the Banks median (#1017 of 1529)
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.
69GF Score
Get the complete analysis for FRA:FPB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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