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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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 buy?

Overall Portfolio exposure to Banc of California, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

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

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Banc of California, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Banc of California, Inc.

24.35%

1.54

35.22%

S&P 500

17.78%

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)

85.97%

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

0.77

EV to EBIT

16.37

EV to EBITDA

11.26

EV to Capital Employed

0.73

EV to Sales

1.24

PEG Ratio

0.12

Dividend Yield

44.85%

ROCE (Latest)

4.43%

ROE (Latest)

4.27%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

No Trend

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

23What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 153.51 MM

ROCE(HY)

Highest at 0.67%

GROSS NPA (%)

CREDIT DEPOSIT RATIO(HY)

Highest at 89.91%

OPERATING PROFIT(Q)

Highest at USD 96.3 MM

OPERATING PROFIT MARGIN(Q)

Highest at 23.1 %

PRE-TAX PROFIT(Q)

Highest at USD 99.79 MM

NET PROFIT(Q)

Highest at USD 77.39 MM

EPS(Q)

Highest at USD 0.42

-2What is not working for the Company

ROCE(HY)

Lowest at 0.67%

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

Non Performing Loans (%)

Lowest at 0.64%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Operating Cash Flow

Highest at USD 153.51 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Operating Profit

Highest at USD 96.3 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin

Highest at 23.1 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at USD 99.79 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 77.39 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.42

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 89.91%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)