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Banc of California (BANC) Ratios
Banc of California Ratios
BANC's free cash flow for Q2 2026 was $164.81M. For the 2026 fiscal year, BANC's free cash flow was increased by $3.38M and operating cash flow was $161.43M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.26 | 0.18 | 0.24 | 0.22 | 0.20 |
| Quick Ratio | 0.26 | 0.18 | 0.24 | 0.22 | 0.20 |
| Cash Ratio | 0.08 | 0.09 | 0.16 | 0.07 | 0.03 |
| Solvency Ratio | 0.01 | 0.01 | -0.05 | 0.01 | 0.08 |
| Operating Cash Flow Ratio | 0.01 | 0.00 | 0.00 | 0.02 | 0.07 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.05 | 0.00 | 20.12 |
| Net Current Asset Value | $ -24.03B | $ -25.11B | $ -27.20B | $ -29.92B | $ -6.81B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.09 | 0.07 | 0.10 | 0.06 | 0.09 |
| Debt-to-Equity Ratio | 0.85 | 0.67 | 1.13 | 0.67 | 0.77 |
| Debt-to-Capital Ratio | 0.46 | 0.40 | 0.53 | 0.40 | 0.43 |
| Long-Term Debt-to-Capital Ratio | 0.46 | 0.40 | 0.27 | 0.40 | 0.41 |
| Financial Leverage Ratio | 9.83 | 9.58 | 11.36 | 10.44 | 8.85 |
| Debt Service Coverage Ratio | 0.49 | 0.28 | -0.47 | 1.96 | 8.79 |
| Interest Coverage Ratio | 0.47 | 0.19 | -1.81 | 2.14 | 14.98 |
| Debt to Market Cap | 1.01 | 0.90 | 1.97 | 1.13 | 0.34 |
| Interest Debt Per Share | 23.90 | 19.12 | 34.79 | 19.87 | 7.42 |
| Net Debt to EBITDA | 1.66 | -0.58 | 0.72 | 0.59 | 0.64 |
| Profitability Margins | |||||
| Gross Profit Margin | 58.70% | 50.36% | 15.07% | 81.94% | 108.02% |
| EBIT Margin | 17.98% | 9.01% | -147.20% | 35.32% | 61.57% |
| EBITDA Margin | 23.56% | 15.49% | -141.12% | 41.39% | 68.71% |
| Operating Profit Margin | 17.98% | 9.01% | -147.20% | 35.32% | 61.57% |
| Pretax Profit Margin | 17.29% | 9.01% | -147.20% | 35.32% | 61.57% |
| Net Profit Margin | 12.65% | 6.78% | -126.42% | 26.36% | 45.44% |
| Continuous Operations Profit Margin | 12.65% | 6.78% | -126.42% | 26.36% | 45.44% |
| Net Income Per EBT | 73.14% | 75.24% | 85.88% | 74.64% | 73.81% |
| EBT Per EBIT | 96.16% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.66% | 0.38% | -4.93% | 1.03% | 6.44% |
| Return on Equity (ROE) | 6.47% | 3.63% | -56.01% | 10.72% | 56.98% |
| Return on Capital Employed (ROCE) | 4.96% | 2.66% | -40.10% | 7.91% | 44.47% |
| Return on Invested Capital (ROIC) | 3.63% | 2.00% | -23.35% | 5.90% | 32.97% |
| Return on Tangible Assets | 0.66% | 0.38% | -4.98% | 1.06% | 6.51% |
| Earnings Yield | 7.64% | 4.87% | -97.00% | 18.24% | 26.37% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 13.05 | 8.69 | 6.50 | 167.96 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 12.34 | 3.41 | 2.41 | 2.75 | 11.83 |
| Asset Turnover | 0.05 | 0.06 | 0.04 | 0.04 | 0.14 |
| Working Capital Turnover Ratio | -0.08 | -0.08 | -0.06 | -0.10 | -0.25 |
| Cash Conversion Cycle | 0.00 | 27.97 | 41.98 | 56.12 | 2.17 |
| Days of Sales Outstanding | 0.00 | 27.97 | 41.98 | 56.12 | 2.17 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 0.00 | 27.97 | 41.98 | 56.12 | 2.17 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 1.64 | 0.46 | 0.93 | 4.81 | 4.29 |
| Free Cash Flow Per Share | 1.51 | 0.38 | 0.83 | 3.99 | 3.88 |
| Dividend Paid and CapEx Coverage Ratio | 2.05 | 0.64 | 1.31 | 2.70 | 3.00 |
| Capital Expenditure Coverage Ratio | 12.27 | 5.93 | 8.92 | 5.81 | 10.47 |
| Operating Cash Flow Coverage Ratio | 0.08 | 0.03 | 0.04 | 0.27 | 0.62 |
| Operating Cash Flow to Sales Ratio | 0.14 | 0.04 | 0.09 | 0.44 | 0.38 |
| Free Cash Flow Yield | 7.83% | 2.47% | 6.16% | 25.02% | 19.76% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.35 | 29.73 | -1.03 | 5.48 | 3.79 |
| Price-to-Sales (P/S) Ratio | 1.66 | 1.39 | 1.30 | 1.45 | 1.72 |
| Price-to-Book (P/B) Ratio | 0.85 | 0.74 | 0.58 | 0.59 | 2.16 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 12.77 | 40.48 | 16.24 | 4.00 | 5.06 |
| Price-to-Operating Cash Flow Ratio | 11.73 | 33.66 | 14.42 | 3.31 | 4.58 |
| Price-to-Earnings Growth (PEG) Ratio | 0.13 | -0.29 | 0.00 | -0.43 | -0.00 |
| Enterprise Value Multiple | 8.69 | 8.40 | -0.20 | 4.08 | 3.15 |
| Enterprise Value | 3.71B | 2.44B | 428.29M | 2.71B | 2.89B |
| EV to EBITDA | 8.69 | 8.40 | -0.20 | 4.08 | 3.15 |
| EV to Sales | 2.05 | 1.30 | 0.29 | 1.69 | 2.16 |
| EV to Free Cash Flow | 15.79 | 37.86 | 3.55 | 4.67 | 6.35 |
| EV to Operating Cash Flow | 14.50 | 31.48 | 3.15 | 3.87 | 5.75 |
| Tangible Book Value Per Share | 20.72 | 18.72 | 20.76 | 17.44 | 8.22 |
| Shareholders’ Equity Per Share | 22.78 | 20.78 | 23.26 | 27.10 | 9.08 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.27 | 0.25 | 0.14 | 0.25 | 0.26 |
| Revenue Per Share | 11.65 | 11.12 | 10.30 | 11.02 | 11.39 |
| Net Income Per Share | 1.47 | 0.75 | -13.03 | 2.91 | 5.17 |
| Tax Burden | 0.73 | 0.75 | 0.86 | 0.75 | 0.74 |
| Interest Burden | 0.96 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.31 | 0.22 | 0.31 | 0.27 | 0.29 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 |
| Income Quality | 1.12 | 0.61 | -0.07 | 1.66 | 0.83 |
Currency in USD
