Banc of California, Inc. — Earnings Quality Grade B
BANC · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 43 days, change -3 days YoY
AR growth 4.8% vs revenue growth 11.9%
Revenue 11.9%, CFFO 230.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 59.7% is >2x revenue growth 11.9%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.12. Profits backed by cash
FCF $0.2B, FCF/NI = 1.03
Accruals ratio = -0.1%. Low accruals
Cash $2.3B covers 77% of debt $3.0B
Balance Sheet Health
Goodwill+Intangibles $0.3B = 9% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -8% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Banc of California, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25