Provides checking and savings accounts to individuals and businesses. Offers commercial and industrial loans to businesses. Now — the numbers.
The biggest line carries real weight, but it doesn’t decide everything on its own.
This is an established company with proven profits.
Average growth of 8% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 12.5× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 75% of them.
Analysts' average target sits 6% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
This grade is a blend: the profit side is strong, the sales tempo slow.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
The stock trades 15% below its peak. The market has trimmed its expectations for the company.
It pays out $0.44 per share each year — regular cash for whoever holds the stock.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 18/100.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 33/100. For a turnaround signal, the stock first needs to close the gap with the market.
Measured against its sector, the quality of the business sits below the class average. Report-card grade: 38/100.
On our five-subject report card, BANC sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: BANC does earn real profits — but on our report card it still sits behind its class. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.