Banc of CaliforniaFRA:FPB -1.60%66 Return-on-Tangible-Equity is 8.97% as of Mar. 2026, which is 59% above its 10-year median of 5.65. GuruFocus rates FRA:FPB with a GF Score™ of 66/100 and a GF Value™ of €16.47 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,523 Banks companies, Banc of California ranks worse than 69.53% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Banc of California's annualized net income for the quarter that ended in Mar. 2026 was €249.0 Mil. Banc of California's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €2,776.7 Mil. Therefore, Banc of California's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.97%.
The historical rank and industry rank for Banc of California's Return-on-Tangible-Equity or its related term are showing as below:
FRA:FPB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -68.2 Med: 5.65 Max: 66.63
Current: 7.79
During the past 13 years, Banc of California's highest Return-on-Tangible-Equity was 66.63%. The lowest was -68.20%. And the median was 5.65%.
FRA:FPB's Return-on-Tangible-Equity is ranked worse than 69.53% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs FRA:FPB: 7.79
Banc of California (FRA:FPB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Banc of California Return-on-Tangible-Equity Related Terms
Banc of California Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Banc of California's Return-on-Tangible-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.
Banc of California Return-on-Tangible-Equity Chart
FRA:FPB vs BOH, SBCF, TOWN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Banc of California's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Banc of California's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Banc of California's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.97% mean?
Banc of California (FRA:FPB) has a Return-on-Tangible-Equity of 8.97% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banc of California and its competitors. This is 59% above median its historical median of 5.65. According to the industry distribution chart, Banc of California ranks #1059 out of 1523 companies in the Banks industry, placing it in the top 69.5%.
Is Banc of California's Return-on-Tangible-Equity too high?
Banc of California's current Return-on-Tangible-Equity of 8.97% is 59% above median its 10-year median of 5.65. The Banks industry median Return-on-Tangible-Equity is 11.20. Banc of California's value of 8.97% is 19.9% below this industry median. Based on the distribution chart, Banc of California ranks #1059 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Banc of California has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banc of California's Return-on-Tangible-Equity compare to BOH and SBCF?
According to the Banks industry distribution chart, Banc of California ranks #1059 out of 1523 companies for Return-on-Tangible-Equity. This places Banc of California in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Banc of California's value of 8.97% is 19.9% below this benchmark. While the company's 10-year median is 5.65 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 8.97% is 19.9% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Banc of California and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 8.97%, which is 59% above median its own 10-year median of 5.65. 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 €16.47, compared to a current price of €17.50 — trading 6.3% above its estimated fair value. The current Return-on-Tangible-Equity is 8.97%, which is 59% above median its 10-year median of 5.65 and 19.9% below the Banks industry median of 11.20. Banc of California's overall GF Score™ is 66/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Banc of California (FRA:FPB), the current Return-on-Tangible-Equity is 8.97% 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 €17.50 is trading 6.3% above its estimated GF Value™ of €16.47.
GuruFocus considers Banc of California to be Fairly Valued.
Key valuation signals for FRA:FPB:
Return-on-Tangible-Equity: 8.97% (59% above median its 10-year median of 5.65)
GF Value™: €16.47 vs. price of €17.50 (6.3% above fair value)
Industry Position: 19.9% below the Banks median (#1059 of 1523)
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.
66GF Score
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