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Banc of California, Inc., a Maryland corporation, was incorporated in March 2002 and serves as the holding company for its wholly owned subsidiary, Banc of California (the Bank ), a California state-chartered bank and a member of the FRB. When we refer to the parent or the holding company, we are referring to Banc of California, Inc., the parent company, on a stand-alone basis.
$20.79
$0.43 (-2.00%)
Live · 05:21 PM
Net margin is thin at 13.05%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue declined 5.0% YoY. For a bank, this often signals contracting loan book or reduced fee income.
At 16x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
16.0x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$1.76B
▼ -5.0% YoY
Net Income (TTM)
$247M
▲ +80.5% YoY
Net Margin
14.09%
P/E
16.0x
Balance Sheet
Total Assets
$34.72B
Equity
$3.55B
Total Debt
$2.67B
Cash & Equiv.
$2.22B
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At a P/E of 16.0 and a price-to-free-cash-flow of 12.5, Banc of California (BANC) trades around a two-stage DCF intrinsic value of about $25.94 per share, so at $20.79 the stock looks around fair value (24.8% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Banc of California scores 64/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $25.94 per share for BANC, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $19.45. At today's $20.79, that puts the stock about 24.8% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Banc of California scores 64 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. BANC currently trades around its estimated intrinsic value and scores 64/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.