Banc of California, Inc. (BANC) Financial Ratios
25 years of historical data (2001–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.59
↑+53% vs avg
5yr avg: 6.28
30Y Low3.1·High92.3
P/FCF
↑
13.20
↓-16% vs avg
5yr avg: 15.72
30Y Low3.9·High98.5
P/B Ratio
↓
0.91
-8% vs avg
5yr avg: 0.98
30Y Low0.6·High4.5
ROE
↓
6.5%
-13% vs avg
5yr avg: 7.4%
30Y Low-52%·High62%
Debt/EBITDA
↑
7.60
↑+48% vs avg
5yr avg: 5.12
30Y Low0.9·High43.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BANC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Banc of California, Inc. trades at 17.0x earnings, 20% below its 5-year average of 21.4x, sitting at the 24th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 25%. On a free-cash-flow basis, the stock trades at 13.2x P/FCF, 16% below the 5-year average of 15.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.1B | $3.1B | $2.6B | $1.9B | $2.3B | $2.3B | $1.7B | $2.0B | $1.6B | $2.5B | $2.1B |
| Enterprise Value | $3.8B | $3.8B | $2.4B | $391M | $2.7B | $2.9B | $2.3B | $3.1B | $2.9B | $4.0B | $2.4B |
| P/E Ratio → | 17.03 | 16.35 | 29.73 | — | 18.74 | 20.65 | — | 343.60 | 35.97 | 43.94 | 8.94 |
| P/S Ratio | 1.71 | 1.71 | 1.39 | 1.28 | 1.42 | 1.72 | 5.55 | 5.07 | 3.67 | 5.87 | 4.58 |
| P/B Ratio | 0.91 | 0.87 | 0.75 | 0.57 | 0.58 | 2.16 | 1.92 | 2.25 | 1.74 | 2.48 | 2.13 |
| P/FCF | 13.20 | 13.15 | 40.54 | 15.93 | 3.92 | 5.06 | 24.64 | 29.29 | 14.44 | 4.59 | — |
| P/OCF | 12.12 | 12.08 | 33.70 | 14.14 | 3.24 | 4.58 | 22.96 | 25.47 | 13.38 | 4.46 | 115.17 |
P/E links to full P/E history page with 30-year chart
BANC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Banc of California, Inc.'s enterprise value stands at 9.6x EBITDA, 53% above its 5-year average of 6.3x. The Financial Services sector median is 11.4x, placing the stock at a 16% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.10 | 1.30 | 0.26 | 1.66 | 2.16 | 7.48 | 7.59 | 6.56 | 9.33 | 5.23 |
| EV / EBITDA | 9.59 | 9.56 | 8.41 | — | 4.01 | 3.15 | 71.94 | 65.72 | 48.41 | 92.30 | 20.33 |
| EV / EBIT | 11.70 | 11.66 | 14.46 | — | 4.70 | 3.51 | 161.20 | 109.46 | 62.72 | 148.42 | 23.67 |
| EV / FCF | — | 16.17 | 37.92 | 3.24 | 4.59 | 6.35 | 33.18 | 43.89 | 25.85 | 7.29 | — |
BANC Profitability
Margins and return-on-capital ratios measuring operating efficiency
Banc of California, Inc. earns an operating margin of 18.0%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -147.2% to 18.0% over the past 3 years, signaling improving operational efficiency. ROE of 6.5% is modest, trailing the sector median of 9.0%. ROIC of 3.9% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.7% | 58.7% | 50.4% | 15.1% | 81.9% | 108.0% | 69.3% | 55.8% | 63.2% | 77.4% | 86.5% |
| Operating Margin | 18.0% | 18.0% | 9.0% | -147.2% | 35.3% | 61.6% | 4.6% | 6.9% | 10.5% | 6.3% | 22.1% |
| Net Profit Margin | 12.6% | 12.6% | 6.8% | -126.4% | 26.4% | 45.4% | 4.1% | 5.9% | 10.1% | 13.5% | 25.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.5% | 6.5% | 3.7% | -51.7% | 16.9% | 61.9% | 1.4% | 2.6% | 4.6% | 5.8% | 14.1% |
| ROA | 0.7% | 0.7% | 0.4% | -4.8% | 1.7% | 7.0% | 0.2% | 0.3% | 0.4% | 0.5% | 1.2% |
| ROIC | 3.9% | 3.9% | 1.9% | -24.0% | 10.1% | 34.3% | 0.5% | 0.8% | 1.3% | 0.9% | 4.2% |
| ROCE | 5.0% | 5.0% | 2.8% | -34.8% | 12.6% | 46.1% | 0.7% | 1.1% | 1.7% | 1.1% | 5.5% |
BANC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Banc of California, Inc. carries a Debt/EBITDA ratio of 7.6x, which is highly leveraged (78% above the sector average of 4.3x). Net debt stands at $709M ($3.0B total debt minus $2.3B cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.85 | 0.85 | 0.67 | 1.13 | 0.67 | 0.77 | 0.91 | 1.53 | 1.79 | 1.85 | 0.75 |
| Debt / EBITDA | 7.60 | 7.60 | 8.05 | — | 3.96 | 0.89 | 25.38 | 29.87 | 27.81 | 43.19 | 6.27 |
| Net Debt / Equity | — | 0.20 | -0.05 | -0.45 | 0.10 | 0.55 | 0.66 | 1.12 | 1.38 | 1.46 | 0.30 |
| Net Debt / EBITDA | 1.78 | 1.78 | -0.58 | — | 0.59 | 0.64 | 18.52 | 21.86 | 21.38 | 34.23 | 2.50 |
| Debt / FCF | — | 3.02 | -2.62 | -12.69 | 0.67 | 1.29 | 8.54 | 14.60 | 11.42 | 2.70 | — |
| Interest Coverage | 0.47 | 0.47 | 0.19 | -1.81 | 2.14 | 14.98 | 0.22 | 0.20 | 0.34 | 0.32 | 1.69 |
BANC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.26x is below 1.0, meaning current liabilities exceed current assets — though the company's $2.3B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.26 | 0.26 | 0.18 | 0.24 | 0.22 | 0.20 | 0.24 | 0.23 | 0.30 | 0.40 | 0.31 |
| Quick Ratio | 0.26 | 0.26 | 0.18 | 0.24 | 0.22 | 0.20 | 0.24 | 0.23 | 0.30 | 0.40 | 0.31 |
| Cash Ratio | 0.08 | 0.08 | 0.09 | 0.16 | 0.07 | 0.03 | 0.04 | 0.07 | 0.05 | 0.05 | 0.05 |
| Asset Turnover | — | 0.05 | 0.06 | 0.04 | 0.04 | 0.14 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BANC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Banc of California, Inc. returns 8.0% to shareholders annually — split between a 2.0% dividend yield and 6.1% buyback yield. The payout ratio of 27.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 5.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.0% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 27.9% | 27.9% | 53.8% | — | 28.4% | 19.7% | 94.2% | 66.3% | 72.0% | 44.5% | 18.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.9% | 6.1% | 3.4% | — | 5.3% | 4.8% | — | 0.3% | 2.8% | 2.3% | 11.2% |
| FCF Yield | 7.6% | 7.6% | 2.5% | 6.3% | 25.5% | 19.8% | 4.1% | 3.4% | 6.9% | 21.8% | — |
| Buyback Yield | 6.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 8.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $160M | $169M | $143M | $143M | $117M | $117M | $119M | $124M | $122M | $120M |
Peer Comparison
Compare BANC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BANCYou | $3B | 17.0 | 9.6 | 13.2 | 58.7% | 18.0% | 6.5% | 3.9% | 7.6 |
 WAL | $9B | 9.1 | 9.7 | — | 61.1% | 22.9% | 13.2% | 6.5% | 5.4 |
 EWBC | $17B | 13.3 | 9.8 | 11.6 | 60.1% | 37.4% | 15.9% | 11.2% | 1.6 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BOKF | $8B | 14.2 | 13.7 | 13.8 | 63.7% | 21.4% | 10.1% | 5.2% | 5.8 |
 ZION | $10B | 11.0 | 8.7 | 9.9 | 67.1% | 23.8% | 13.5% | 8.0% | 3.4 |
 CMA | $11B | 16.8 | 16.1 | — | 68.1% | 19.1% | 10.1% | 5.2% | 5.5 |
 FHN | $12B | 13.2 | 11.9 | 12.9 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
 HBAN | $27B | 12.1 | 16.1 | 11.7 | 61.7% | 21.5% | 10.0% | 5.1% | 6.9 |
 COLB | $7B | 13.3 | 12.0 | 10.3 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 UMBF | $10B | 14.6 | 12.2 | 10.4 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 25 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
BANC — Frequently Asked Questions
Quick answers to the most common questions about buying BANC stock.
What is Banc of California, Inc.'s P/E ratio?
Banc of California, Inc.'s current P/E ratio is 17.0x. The historical average is 44.2x. This places it at the 24th percentile of its historical range.
What is Banc of California, Inc.'s EV/EBITDA?
Banc of California, Inc.'s current EV/EBITDA is 9.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 47.2x.
What is Banc of California, Inc.'s ROE?
Banc of California, Inc.'s return on equity (ROE) is 6.5%. The historical average is 5.0%.
Is BANC stock overvalued?
Based on historical data, Banc of California, Inc. is trading at a P/E of 17.0x. This is at the 24th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Banc of California, Inc.'s dividend yield?
Banc of California, Inc.'s current dividend yield is 1.99% with a payout ratio of 27.9%.
What are Banc of California, Inc.'s profit margins?
Banc of California, Inc. has 58.7% gross margin and 18.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Banc of California, Inc. have?
Banc of California, Inc.'s Debt/EBITDA ratio is 7.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.