Banc Of Financials

BANC Stock  USD 14.09  0.05  0.35%   
Banc of California, may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Banc Of's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 3.7 B, whereas Net Debt is projected to grow to (160.1 M). Key indicators impacting Banc Of's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.630.6668
Notably Down
Pretty Stable
Current Ratio23.7324.98
Notably Down
Pretty Stable
Investors should never underestimate Banc Of's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Banc Of's cash flow, debt, and profitability to make informed and accurate decisions about investing in Banc of California,.

Net Income

133.23 Million

  
Understanding current and past Banc Of Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Banc Of's financial statements are interrelated, with each one affecting the others. For example, an increase in Banc Of's assets may result in an increase in income on the income statement.
Please note, the presentation of Banc Of's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Banc Of's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Banc Of's management manipulating its earnings.

Banc Of Stock Summary

Banc Of competes with Peapack Gladstone, Northfield Bancorp, Great Southern, Heritage Financial, and Byline Bancorp. Banc of California, Inc. operates as the bank holding company for Banc of California, National Association that provides banking products and services in the United States. Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana, California. Banc Of operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 673 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS05990K1060
CUSIP05990K106 33589V101
LocationCalifornia; U.S.A
Business Address11611 San Vicente
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitebancofcal.com
Phone855 361 2262
CurrencyUSD - US Dollar

Banc Of Key Financial Ratios

Banc Of Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets7.9B9.4B9.2B38.5B33.5B35.2B
Other Liab10.3M5.5M4.3M34.2M39.3M41.3M
Net Debt595.9M588.0M773.4M(1.5B)(168.5M)(160.1M)
Retained Earnings110.2M147.9M249.0M(518.3M)(431.2M)(409.6M)
Accounts Payable95.7M72.1M7.4B(5.8B)(5.2B)(5.0B)
Cash220.8M228.1M228.9M5.4B192.0M382.1M
Other Assets5.0B6.3B6.7B(5.6B)27.4B28.8B
Long Term Debt256.3M775.4M1.0B1.1B2.3B2.5B
Total Liab816.8M8.3B8.2B35.1B30.0B31.5B
Total Current Assets1.5B1.6B1.1B11.0B4.9B2.5B
Net Receivables1.1M8.0M247.0M172.8M143.5M136.3M
Other Current Liab5.1B(25M)5.8B(39.8M)(45.8M)(43.5M)
Short Term Debt140.6M25M28.7M39.8M45.8M43.5M
Common Stock527K651K656K1.7M1.9M2.0M
Inventory(251.4M)(267.1M)(7.3B)29.6M26.7M25.3M
Other Current Assets251.4M267.1M282.6M5.6B39.4M37.5M
Net Tangible Assets676.1M672.6M869.6M837.8M963.4M582.2M
Capital Surpluse625.8M629.8M634.7M854.9M983.1M539.5M
Intangible Assets4.1M7.7M7.5M165.5M132.9M139.6M

Banc Of Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense66.0M37.9M58.4M1.2B886.7M931.0M
Total Revenue243.1M272.7M331.7M278.4M1.8B1.9B
Gross Profit243.1M272.7M331.7M278.4M1.8B1.9B
Operating Income14.4M82.6M242.6M(251.6M)1.5B1.5B
Ebit(1.9M)157.4M603.3M(12.6M)(14.5M)(13.8M)
Ebitda15.9M178.0M665.0M45.7M52.5M90.4M
Income Before Tax14.4M82.6M168.9M(2.2B)168.7M177.1M
Net Income12.6M62.3M120.9M(1.9B)126.9M133.2M
Income Tax Expense1.8M20.3M47.9M(312.2M)41.8M43.9M
Tax Provision1.8M215.4M144.0M(312.2M)41.8M43.9M
Net Interest Income224.6M1.1B1.3B747.1M926.1M623.4M
Interest Income290.6M1.2B1.6B2.0B1.8B949.5M

Banc Of Key Cash Accounts

202020212022202320242025 (projected)
Capital Expenditures5.1M2.8M26.8M15.2M13.0M13.7M
Net Income12.6M62.3M120.9M(1.9B)126.9M133.2M
End Period Cash Flow220.8M228.1M228.9M5.4B192.3M383.4M
Change In Cash(152.7M)7.3M773K3.1B(93.5M)(88.8M)
Free Cash Flow69.8M102.9M109.3M120.5M17.0M17.8M
Depreciation17.8M20.6M17.1M91.3M4.6M4.4M
Other Non Cash Items58.7M6.6M(21.2M)2.1B77.8M71.5M
Dividends Paid25.7M21.2M16.2M(88.7M)(108.1M)(102.7M)
Investments(591.1M)(523.2M)149.5M182.4M1.9B2.0B
Change Receivables24.9M(15.4M)17.2M2.4M2.8M2.9M
Net Borrowings(325M)(575.8M)(40M)225M202.5M212.6M
Change To Netincome45.6M38.0M18.6M2.3M2.6M2.8M

Banc Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Banc Of's current stock value. Our valuation model uses many indicators to compare Banc Of value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Banc Of competition to find correlations between indicators driving Banc Of's intrinsic value. More Info.
Banc of California, is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Banc of California, is roughly  10.51 . At present, Banc Of's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Banc Of's earnings, one of the primary drivers of an investment's value.

Banc of California, Systematic Risk

Banc Of's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Banc Of volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was five with a total number of output elements of fifty-six. The Beta measures systematic risk based on how returns on Banc of California, correlated with the market. If Beta is less than 0 Banc Of generally moves in the opposite direction as compared to the market. If Banc Of Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Banc of California, is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Banc Of is generally in the same direction as the market. If Beta > 1 Banc Of moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Banc Of Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Banc Of's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Banc Of growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.2)

At present, Banc Of's Price Earnings To Growth Ratio is projected to increase based on the last few years of reporting.

Banc Of March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Banc Of help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Banc of California,. We use our internally-developed statistical techniques to arrive at the intrinsic value of Banc of California, based on widely used predictive technical indicators. In general, we focus on analyzing Banc Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Banc Of's daily price indicators and compare them against related drivers.

Complementary Tools for Banc Stock analysis

When running Banc Of's price analysis, check to measure Banc Of's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Banc Of is operating at the current time. Most of Banc Of's value examination focuses on studying past and present price action to predict the probability of Banc Of's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Banc Of's price. Additionally, you may evaluate how the addition of Banc Of to your portfolios can decrease your overall portfolio volatility.
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