Banc of California, Inc. Financial Ratios — BANC-PF Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-2.26	3	-1.13	7.95	11.81	16.29	5.12	3.56	1.15	-0.18	71.15	18.28	-61.12	2.96	6.26
Return on Assets (%)	-0.29	0.45	- -	0.63	0.87	1.2	0.54	0.43	0.26	0.16	7.03	1.67	-4.76	0.35	0.67
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.39	3.43	3.82	3.71	5.5	4.18	4.77	4.45	7.15	7.32	7.44	7.26	32.79	12.31	9.16
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-11.13	8.69	4.36	9	25.38	25.4	7.84	15.05	10.75	5.9	64.21	42.32	-794.35	17.11	28.38
Profit Margin (%)	-10.04	8.53	-0.05	10.27	22.77	29.17	16.82	14.56	9.13	5.16	47.39	31.59	-682.2	12.87	20.76
Net Income to Common Margin (%)	-12.01	6.59	-1.25	9.03	19.17	24.14	10.86	8.32	3.15	-0.53	46.74	30.15	-696.49	8.83	17.15
Effective Tax Rate (%)	- -	1.88	101.06	- -	40.55	13.68	- -	10.31	15.08	12.44	26.19	25.36	- -	24.76	26.86
Dvd Payout Ratio (%)	-91.29	100.39	-296.87	40.21	52.97	32.26	77.85	155.35	192	-914.83	18.56	29.75	-2.52	78.41	33.77
Sustainable Growth Rate (%)	-4.32	-0.01	-4.48	4.75	5.55	11.03	1.14	-1.97	-1.05	-1.84	57.95	12.84	-62.66	0.64	4.15

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	20	157	332	727	1,192	733	1,868	1,693	1,392	817	775	2,631	3,848	2,160	3,017
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	25	- -	2,618	- -	240
LT Debt	20	157	332	727	1,192	733	1,868	1,693	1,392	817	750	2,631	1,230	2,160	2,777
Total Debt/EBITDA	30.77	65.12	47.93	66.58	79.51	44.36	114.23	121.94	74.76	45.84	8.13	27.01	42.15	17.79	29.86
Net Debt/EBITDA	-37.65	17.95	31.78	45.22	69	17.71	90.52	93.74	53.43	32.29	5.74	4.01	-16.76	-2.82	7.01
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.27	9.32	6.75	7.09	5.61	6.45	7.2	6.72	9.16	9.04	10.33	8.37	7.51	8.95	8.74
Long-Term Debt/Equity (%)	10.84	83.14	102.29	144.36	182.69	74.81	184.52	179.07	153.44	91.03	70.45	66.6	36.26	61.71	78.41
Long-Term Debt/Capital (%)	9.78	45.4	50.57	59.08	64.63	42.79	64.85	64.17	60.54	47.65	40.77	39.98	16.99	38.16	42.34
Long-Term Debt/Total Assets (%)	2	9.33	9.16	12.17	14.47	6.65	18.09	15.93	17.78	10.37	7.99	6.38	3.19	6.44	7.98
Total Debt/Equity (%)	10.84	83.14	102.29	144.36	182.69	74.81	184.52	179.07	153.44	91.03	72.79	66.6	113.48	61.71	85.18
Total Debt/Capital (%)	9.78	45.4	50.57	59.08	64.63	42.79	64.85	64.17	60.54	47.65	42.13	39.98	53.16	38.16	46
Total Debt/Total Assets (%)	2	9.33	9.16	12.17	14.47	6.65	18.09	15.93	17.78	10.37	8.25	6.38	9.99	6.44	8.67
Net Debt to Equity	-13.27	22.92	67.83	98.04	158.53	29.87	146.22	137.66	109.67	64.12	51.38	9.89	-45.11	-9.79	20.01
Net Debt/Capital (%)	-15.29	18.65	40.42	49.51	61.32	23	59.39	57.92	51.66	38.53	33.94	9	-82.19	-10.85	16.67
EBITDA	1	2	7	11	15	17	16	14	19	18	95	97	91	121	101
EBITDA-CapEx	-4	-4	-48	-1	-68	-28	1	5	8	13	47	-46	76	108	80
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.27	9.32	6.75	7.09	5.61	6.45	7.2	6.72	9.16	9.04	10.33	8.37	7.51	8.95	8.74
Long-Term Debt/Equity (%)	10.84	83.14	102.29	144.36	182.69	74.81	184.52	179.07	153.44	91.03	70.45	66.6	36.26	61.71	78.41
Long-Term Debt/Capital (%)	9.78	45.4	50.57	59.08	64.63	42.79	64.85	64.17	60.54	47.65	40.77	39.98	16.99	38.16	42.34
Long-Term Debt/Total Assets (%)	2	9.33	9.16	12.17	14.47	6.65	18.09	15.93	17.78	10.37	7.99	6.38	3.19	6.44	7.98
Total Debt/Equity (%)	10.84	83.14	102.29	144.36	182.69	74.81	184.52	179.07	153.44	91.03	72.79	66.6	113.48	61.71	85.18
Total Debt/Capital (%)	9.78	45.4	50.57	59.08	64.63	42.79	64.85	64.17	60.54	47.65	42.13	39.98	53.16	38.16	46
Total Debt/Total Assets (%)	2	9.33	9.16	12.17	14.47	6.65	18.09	15.93	17.78	10.37	8.25	6.38	9.99	6.44	8.67
CFO/Total Liabilities	1.67	-2.21	-13.18	-11.48	-0.57	0.18	6.04	1.27	1.16	1.07	6.04	1.88	0.39	0.26	0.82
CFO/CapEx	2.79	-5.36	-7.92	-53.8	-0.52	0.41	36.74	13.67	7.66	14.7	10.47	4.89	8.92	5.93	12.27
Altman's Z-Score	0.07	0.06	0.06	0.06	0.04	0.05	0.05	0.05	0.06	0.05	0.16	0.08	0.05	0.09	0.08

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	7.65	16.41	22.85	22.64	14.38	34.71	- -	- -	- -	- -	- -	17.07	1.88	7.47	8.59
Days Sales Outstanding	47.69	22.24	15.97	16.12	25.39	10.52	- -	- -	- -	- -	- -	21.38	193.81	48.87	42.5
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,903	4,119	2,989
- Cash & Cash Equivalents	44	114	112	233	158	441	388	392	373	221	228	2,240	5,378	2,502	2,308
+ Preferred Equity and Hybrid Capital	32	32	80	80	191	269	269	231	190	185	95	499	499	499	499
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	20	157	332	727	1,192	733	1,868	1,693	1,392	817	775	2,631	3,848	2,160	3,017
Enterprise Value	-94	-46	130	228	391	-1,820	-826	-460	296	-451	-673	-3,954	525	2,028	4,186
Total Capital	204	346	657	1,230	1,844	1,714	2,880	2,639	2,299	1,714	1,841	6,582	7,239	5,660	6,558
Total Debt/Capital (%)	9.78	45.4	50.57	59.08	64.63	42.79	64.85	64.17	60.54	47.65	42.13	39.98	53.16	38.16	46
Total Debt / EV	-0.21	-3.4	2.55	3.19	3.05	-0.4	-2.26	-3.68	4.7	-1.81	-1.15	-0.67	7.33	1.06	0.72
EV/Sales	- -	- -	0.72	0.77	1.44	- -	- -	- -	1.14	- -	- -	- -	1.89	2.06	3.79
EV/EBITDA	- -	- -	18.78	20.86	26.11	- -	- -	- -	15.89	- -	- -	- -	5.75	16.71	41.43
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	3.69	- -	- -	- -	3.87	26.22	16.38
EV/Free Cash Flow to Firm	- -	- -	- -	- -	9.72	- -	- -	- -	3.26	- -	- -	- -	3.48	22.43	15.14
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	7	75	300	573	1,225	562	1,749	1,533	1,208	781	642	889	-1,031	156	1,207
EV per Share	- -	- -	6.46	6.54	10.29	- -	- -	- -	5.81	- -	- -	- -	3.12	12.03	26.93
TTM Sales	27	70	181	294	273	396	343	312	260	243	1,281	1,341	278	986	1,103
TTM EBITDA	1	2	7	11	15	17	16	14	19	18	95	97	91	121	101
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	14	-33	-435	-628	-43	18	563	123	80	75	503	702	136	77	256
TTM Free Cash Flow to Firm	19	-27	-381	-616	40	63	578	132	91	80	551	846	151	90	276

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-94	-46	130	228	391	-1,820	-826	-460	296	-451	-673	-3,954	525	2,028	4,186
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21	21.25	16.05
EV/Sales	- -	- -	0.72	0.77	1.44	- -	- -	- -	1.14	- -	- -	- -	1.89	2.06	3.79
EV/EBITDA	- -	- -	18.78	20.86	26.11	- -	- -	- -	15.89	- -	- -	- -	5.75	16.71	41.43
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.35	1.37	0.98
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.32	1.32	1.2
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.42	1.4	1.31
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.22	1.19	0.82
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.54	1.55	1.1
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.51	1.5	1.34
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.63	1.59	1.46
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.4	1.35	0.92
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	0.27	1.07	1.66	1.95	4.49	1.42	5.1	4.91	4.64	3.21	0.5	0.66	10.02	4.19	4.4
EV/Sales High	0.27	1.07	1.66	1.95	4.49	1.42	5.1	4.91	4.64	3.21	0.5	0.66	11.08	4.43	4.7
EV/Sales Low	0.27	1.07	1.66	1.95	4.49	1.42	5.1	4.91	4.64	3.21	0.5	0.66	8.98	3.79	3.36
EV/EBITDA Average	11.48	31.2	43.3	52.54	81.72	33.99	106.97	110.39	64.89	43.83	6.74	9.13	30.55	34.03	48.08
EV/EBITDA High	11.48	31.2	43.3	52.54	81.72	33.99	106.97	110.39	64.89	43.83	6.74	9.13	33.8	36.01	51.34
EV/EBITDA Low	11.48	31.2	43.3	52.54	81.72	33.99	106.97	110.39	64.89	43.83	6.74	9.13	27.37	30.8	36.65
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	23.22	24.43	19.23
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.49	25	25.6
Enterprise Value Average	7	75	300	573	1,225	562	1,749	1,533	1,208	781	642	889	2,789	4,131	4,858
Enterprise Value High	7	75	300	573	1,225	562	1,749	1,533	1,208	781	642	889	3,086	4,371	5,187
Enterprise Value Low	7	75	300	573	1,225	562	1,749	1,533	1,208	781	642	889	2,499	3,739	3,702

Shares Outstanding	12	12	20	35	38	50	51	51	51	50	63	59	168	169	155
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	12.55	19.77	14	16.63	26.06	56.56	58.57	47.07	25.27	28.9	24.64	120.02	45.95	28.17	14.92
Book Value per Share	13.11	13.19	12.16	12.17	12.14	14.25	14.69	14.1	14.1	14.18	15.48	58.49	17.21	17.8	19.57
Tangible Book Value per Share	13.11	11.94	9.37	10.14	9.27	12.43	13.11	13.25	13.29	13.39	13.88	34.63	15.04	15.74	17.52

Banc of California, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)