Banc of California, Inc. (BANC)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 243 | 1,281 | 1,341 | 278 | 986 | 1,111 | 1,117 | - |
| Operating profit | $m | 326 | - | ||||||
| Net profit | $m | 13 | 607 | 424 | -1,899 | 127 | 229 | - | -45 |
| EPS reported | $ | 1.18 | -0.14 | ||||||
| Operating cashflow per share | $ | 1.64 | 2.49 | ||||||
| Capex per share | $ | 0.13 | 0.12 | ||||||
| FCF per share | $ | 1.51 | 2.38 | ||||||
| Free cash flow | $m | 235 | 370 | ||||||
| Net debt | $m | -4,215 | -4,268 | ||||||
| Book value equity | $m | 3,541 | 3,192 | ||||||
| Book value per share | $ | 22.12 | 20.49 | ||||||
| Number of shares | m | 160.09 | 155.8 | ||||||
| DPS (TTM paid) | $ | 0.40 | 0.46 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 16.35 | - | ||||||
| P/B LTM | x | 0.85 | 0.94 | ||||||
| P/S LTM | x | 2.70 | 2.68 | ||||||
| P/FCF LTM | x | 12.77 | 8.10 | ||||||
| EV/EBITDA LTM | x | 9.33 | 449.09 | ||||||
| EV/Sales LTM | x | 2.05 | 1.75 | ||||||
| Earnings Yield LTM | % | +6.12% | -0.72% | ||||||
| FCF Yield | % | +7.83% | +12.34% | ||||||
| Quality | |||||||||
| ROE | % | +6.47% | -0.62% | ||||||
| ROIC | % | +3.63% | -0.23% | ||||||
| Operating margin | % | +17.98% | -1.96% | ||||||
| Gross margin | % | +58.70% | +53.06% | ||||||
| FCF/Sales | % | +12.97% | +20.78% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +126.92% | - | ||||||
| Sales Growth YoY | % | +12.72% | +13.28% | ||||||
| Net Income Growth YoY | % | +80.45% | - | ||||||
| FCF Growth | % | +264.96% | +475.41% | ||||||
| Operating Profit Growth | % | +93.04% | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.46% | +2.33% | ||||||
| Dividend Growth | % | 0.00% | +15.00% | ||||||
| Payout Ratio | % | +54.88% | -188.76% | ||||||
| FCF/Debt | x | 0.08 | 0.12 | ||||||
| Net Debt/EBITDA | x | 1.78 | 26.15 | ||||||
| EBIT/Net interest | x | 0.47 | -0.05 | ||||||
| Net debt/market cap | % | +1.01% | +1.04% | ||||||
| Net debt/Equity | x | -1.19 | -1.34 | ||||||
| Gross debt/equity | x | 0.85 | 0.95 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Banc of California, Inc. is a financial holding company that, through its subsidiary Banc of California, National Association, delivers a full spectrum of banking products and services across the United States. The company's offerings encompass a variety of deposit solutions, including checking, savings, money market, and retirement accounts, alongside both interest-bearing and non-interest-bearing demand accounts, and certificates of deposit. Banc of California also provides diverse commercial and consumer lending options. Its commercial credit facilities include commercial and industrial loans, financing for commercial real estate and multifamily properties, construction loans, warehouse lending, and Small Business Administration (SBA) loans. For individual clients, available products feature single-family residential mortgages, home equity lines of credit (HELOCs), indirect/direct leveraged lending, and various other consumer loan types. In addition to core banking, the institution offers a range of supplementary financial services such as automated bill payment, comprehensive cash and treasury management, foreign exchange, various card payment solutions, remote and mobile deposit capture, automated clearing house (ACH) origination, wire transfers, direct deposit, and internet banking. Further services extend to master demand accounts, interest rate swaps, and secure safe deposit boxes. The company strategically invests in a diverse portfolio, including collateralized loan obligations (CLOs), agency securities, municipal bonds, agency residential mortgage-backed securities (RMBS), and corporate debt instruments. As of December 31, 2020, Banc of California maintained a physical presence with 29 full-service branches located throughout Southern California. Established in 1941 and headquartered in Santa Ana, California, the company rebranded to Banc of California, Inc. in July 2013, having previously been known as First PacTrust Bancorp, Inc.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Banc of California, Inc. (BANC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Banc of California, Inc. is a financial holding company that, through its subsidiary Banc of California, National Association, delivers a full spectrum of banking products and services across the United States. The company's offerings encompass a variety of deposit solutions, including checking, savings, money market, and retirement accounts, alongside both interest-bearing and non-interest-bearing demand accounts, and certificates of deposit. Banc of California also provides diverse commercial and consumer lending options. Its commercial credit facilities include commercial and industrial loans, financing for commercial real estate and multifamily properties, construction loans, warehouse lending, and Small Business Administration (SBA) loans. For individual clients, available products feature single-family residential mortgages, home equity lines of credit (HELOCs), indirect/direct leveraged lending, and various other consumer loan types. In addition to core banking, the institution offers a range of supplementary financial services such as automated bill payment, comprehensive cash and treasury management, foreign exchange, various card payment solutions, remote and mobile deposit capture, automated clearing house (ACH) origination, wire transfers, direct deposit, and internet banking. Further services extend to master demand accounts, interest rate swaps, and secure safe deposit boxes. The company strategically invests in a diverse portfolio, including collateralized loan obligations (CLOs), agency securities, municipal bonds, agency residential mortgage-backed securities (RMBS), and corporate debt instruments. As of December 31, 2020, Banc of California maintained a physical presence with 29 full-service branches located throughout Southern California. Established in 1941 and headquartered in Santa Ana, California, the company rebranded to Banc of California, Inc. in July 2013, having previously been known as First PacTrust Bancorp, Inc.
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