Banc of California, Inc. cash flow to debt ratio of 8.47% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Banc of California, Inc.'s free cash flow has increased 264.96% from $64.33M last year to $234.77M, signaling increasing performance

Banc of California, Inc.'s debt to equity ratio is 0.95, which means that the company's assets are unhealthy financed, signaling financial risk.

Banc of California, Inc.'s debt has increased relative to shareholder equity from 0.67 last year to 0.95 today, signaling weakened financials

Banc of California, Inc. has a net cash position, so leverage is healthy.

Banc of California, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Banc of California, Inc.'s profit margin has decreased (117.62%) in the last year from 6.78% to -1.19%, signaling decreasing performance

Banc of California, Inc.'s short-term liabilities of $28.24B exceed its short-term assets of $7.23B, signaling financial risk

Banc of California, Inc.'s return on assets of -0.06% is lower than the 5.00% threshold, indicating inefficient asset utilization

Banc of California, Inc.'s return on equity of -0.62%, is lower than 15.00%, indicating bad performance

Banc of California, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Banc of California, Inc. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Banc of California, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Banc of California, Inc. has a free cash flow yield of 8.06%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Banc of California, Inc.'s yearly earnings has increased 80.45% since last year from $126.89M to $228.97M, signaling increasing performance

Banc of California, Inc.'s yearly revenue has decreased 3.31% since last year from $1.87B to $1.81B, signaling decreasing performance

ROIC -0.23% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Banc of California, Inc.'s 3-year revenue CAGR of 4.06% is positive, indicating growing revenue over the past 3 years

Banc of California, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

Banc of California, Inc. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Banc of California, Inc. is undervalued relative to its fair value price of 22.39 based on Discounted Cash Flow model

Banc of California, Inc. has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

Banc of California, Inc. is overvalued relative to its fair value price of 13.42 based on EBITDA multiple model

Banc of California, Inc. has insufficient data to compute enterprise value.

Banc of California, Inc. is undervalued relative to its fair value price of 37.07 based on Earnings Fair Value model

Banc of California, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Banc of California, Inc. has a price-to-book ratio of 0.93x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Banc of California, Inc. has a price-to-sales ratio of 1.66x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue