NYSE
BANC
Last Price
US $20.59
KEY FIGURES
MKT CAP
$3.2B
EPS
TTM
$1.59
PEG
TTM
0.15x
P/E
TTM
12.94x
P/S
TTM
1.76x
YIELD
2.14%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
7.07%
Return on equity
ROIC: 0.74%
Valuation History
15.5X
Price to Earnings
EV/EBITDA: 15.4X
Cash flow
Profit margin
42.38%
(FY vs FY)
EBITDA Y/Y
65.31%
(FY vs FY)
Cash flow Y/Y
27.47%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $20.59
8.74%
Default assumptions
EBITDA Multiple
Fair Value
Market $20.59
-34.82%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Banc of California, Inc. cash flow to debt ratio of 8.47% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Banc of California, Inc.'s free cash flow has increased 264.96% from $64.33M last year to $234.77M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Banc of California, Inc.'s debt to equity ratio is 0.99, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
Banc of California, Inc.'s debt has increased relative to shareholder equity from 0.67 last year to 0.99 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
Banc of California, Inc. has a net debt to EBITDA ratio of 1.78x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Banc of California, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Banc of California, Inc.'s profit margin has increased (101.12%) in the last year from 6.78% to 13.63%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Banc of California, Inc.'s short-term liabilities of $28.24G exceed its short-term assets of $7.23G, signaling financial risk
Decreasing performance - ROA.
Banc of California, Inc.'s return on assets of 0.71% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Banc of California, Inc.'s return on equity of 7.07%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Banc of California, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Banc of California, Inc. had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Banc of California, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Banc of California, Inc. has a free cash flow yield of 7.39%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Banc of California, Inc.'s yearly earnings has increased 80.45% since last year from $126.89M to $228.97M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
Banc of California, Inc.'s yearly revenue has decreased -3.31% since last year from $1.87G to $1.81G, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 0.74% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Banc of California, Inc.'s 3-year revenue CAGR of 4.06% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Banc of California, Inc. had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Banc of California, Inc. had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Banc of California, Inc. is undervalued relative to its fair value price of 22.39 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Banc of California, Inc. has an earnings yield of 7.73%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Banc of California, Inc. is overvalued relative to its fair value price of 13.42 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Banc of California, Inc. has an EV/EBITDA ratio of 9.78x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Banc of California, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Banc of California, Inc. has a price-to-book ratio of 0.90x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Banc of California, Inc. has a price-to-sales ratio of 1.76x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue