Banc of California, Inc. (BANC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Banc of California, Inc.

Why is Banc of California, Inc. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

The company has declared positive results for the last 2 consecutive quarters
NET PROFIT(HY) At USD 81.9 MM has Grown at 55.89%
NII(Q) Highest at USD 240.22 MM
DIVIDEND PAYOUT RATIO(Y) Highest at 85.91%

With ROA of 0.24%, it has a attractive valuation with a 0.63 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 16.72%, its profits have risen by 151.2% ; the PEG ratio of the company is 0.1

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Banc of California, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Banc of California, Inc.

7.45%

1.54

35.22%

S&P 500

15.36%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

41.98%

EBIT Growth (5y)

86.01%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

34.19%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.76

EV to EBIT

10.39

EV to EBITDA

8.58

EV to Capital Employed

0.76

EV to Sales

1.60

PEG Ratio

0.11

Dividend Yield

2.47%

ROCE (Latest)

7.32%

ROE (Latest)

6.46%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

Bullish

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 388.17 MM

CASH AND EQV(HY)

Highest at USD 519.06 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-22What is not working for the Company

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

OPERATING PROFIT(Q)

Lowest at USD -81.82 MM

OPERATING PROFIT MARGIN(Q)

Lowest at -19.73 %

PRE-TAX PROFIT(Q)

Lowest at USD -335.24 MM

NET PROFIT(Q)

Lowest at USD -241.34 MM

EPS(Q)

Lowest at USD -1.61

Here's what is working for Banc of California, Inc.

Operating Cash Flow

Highest at USD 388.17 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Cash and Eqv

Highest at USD 519.06 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for Banc of California, Inc.

Pre-Tax Profit

At USD -335.24 MM has Fallen at -800.17%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -241.34 MM has Fallen at -950.39%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 0.84%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Profit

Lowest at USD -81.82 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at -19.73 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD -335.24 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -241.34 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -1.61

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Dividend Payout Ratio

Lowest at 0%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)

Capital Adequacy Ratio

Lowest at 11.67%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)