Also trades as: BANC-PF (NYSE) · $vol 2M · BANC-PE (NYSE) · $vol 0M

$18.24

+0.25 (+1.39%)

Weekly Expected Move ±2.9%

$17 $17 $18 $18 $19

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 57 · $2.9B mcap · 156M float · 1.77% daily turnover · Short 43% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

29.2 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 2.6%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. BANC has No discernible competitive edge (29.2/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 2.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$15

Avg Target

$15

High

Based on 2 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 15Hold: 9Sell: 3Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$15.00

Analysts2

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-09-15	Barclays	—	$18	$10	-8	-46.3%	$18.61
2026-09-14	UBS	—	Initiated	$20	—	+7.8%	$18.55
2025-10-07	Raymond James	David Feaster	$16	$20	+4	+12.3%	$17.81
2024-10-31	Barclays	Jared Shaw	$14	$18	+4	+15.6%	$15.57
2024-10-24	Stephens	Andrew Terrell	$15	$16	+1	+4.6%	$15.29
2024-10-23	Wells Fargo	Timur Braziler	Initiated	$17	—	+10.2%	$15.42
2024-10-23	D.A. Davidson	Gary Tenner	$18	$19	+2	+23.2%	$15.42
2024-10-10	Citigroup	Benjamin Gerlinger	Initiated	$15	—	+6.6%	$14.07
2024-09-17	Raymond James	Donald Worthington	Initiated	$16	—	+8.8%	$14.70
2024-07-24	Barclays	Jared Shaw	Initiated	$14	—	+1.2%	$13.83
2024-05-14	D.A. Davidson	Gary Tenner	Initiated	$18	—	+29.4%	$13.52
2024-05-14	Stephens	Andrew Terrell	$22	$15	-7	+10.9%	$13.52
2022-04-25	Stephens	—	Initiated	$22	—	+20.2%	$18.31

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. BANC receives an overall rating of C. Areas of concern: ROE (1/5), ROA (1/5), D/E (2/5), P/E (1/5).

Rating Change History

Date	From	To
2026-10-19	C+	C
2026-10-12	C	C+
2026-10-01	C+	C
2026-09-09	C	C+
2026-09-03	C+	C
2026-09-02	C	C+
2026-08-31	C+	C
2026-08-17	C	C+
2026-07-29	B	C
2026-07-25	B+	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 27 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. BANC scores highest in Earnings Quality (80/100) and lowest in Profitability (6/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.95

Grey Zone

Piotroski F-Score

5/9

✗ ✓ ✗ ✓ ✗ ✓ ✓ ✗ ✓

Beneish M-Score

-2.87

Unlikely Manipulator

Ohlson O-Score

-4.02

Bankruptcy prob: 1.8%

Low Risk

Credit Rating

Score: 29.4/100

Trend: Deteriorating

Earnings Quality

—

OCF/NI: -18.25x

Accruals: -1.2%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. BANC scores 1.95, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BANC scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. BANC's score of -2.87 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. BANC's implied 1.8% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. BANC receives an estimated rating of B (score: 29.4/100), with a deteriorating trend.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

-44.57x

PEG

0.27x

P/S

1.62x

P/B

0.89x

P/FCF

8.60x

P/OCF

8.20x

EV/EBITDA

-31.69x

EV/Revenue

-0.61x

EV/EBIT

31.13x

EV/FCF

-2.93x

Earnings Yield

-0.67%

FCF Yield

11.63%

Shareholder Yield

4.60%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. BANC currently has negative earnings — the P/E ratio is not meaningful.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.449

NI / EBT

Interest Burden

1.359

EBT / EBIT

EBIT Margin

-0.020

EBIT / Rev

Asset Turnover

0.052

Rev / Assets

Equity Multiplier

10.435

Assets / Equity

ROE

-0.6%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. BANC's ROE of -0.6% is driven by financial leverage (equity multiplier: 10.43x). Note: high leverage means ROE is amplified by debt rather than operational performance. A tax burden ratio of 0.45 suggests the company retains less than 60% of pre-tax earnings after taxes.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

—

Price/Value

—

Margin of Safety

—

Premium

—

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$18.26

Median 1Y

$17.39

5th Pctile

$8.45

95th Pctile

$35.96

Ann. Volatility

44.8%

Analyst Target

$15.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Jared Wolff Chairman, Chief Executive Officer and President	$1,050,000	$2,713,668	$5,303,882
Bryan Corsini President, Vice President, Chief Credit Officer	$550,000	$568,596	$1,879,296
Hamid Hussain President, Vice President, President of the Bank	$625,000	$646,136	$1,770,212
Joseph Kauder President, Vice President, Chief Financial Officer	$575,000	$594,427	$1,749,298
Ido Dotan President, Vice President, General Counsel, Chief Administrative Officer, and Corporate Secretary	$575,000	$594,427	$1,686,241

CEO Pay Ratio

18:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $5,303,882

Avg Employee Cost (SGA/emp): $292,959

Employees: 1,904

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

1,904

+0.1% YoY

Revenue / Employee

$950,913

Rev: $1,810,539,000

Profit / Employee

$120,259

NI: $228,973,000

SGA / Employee

$292,959

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	9.1%	6.4%	10.8%	11.7%	11.7%	4.8%	-1.2%	-1.4%	-1.4%	-92.5%	-99.7%	-89.0%	-84.9%	3.7%	4.3%	4.3%	6.0%	6.5%	7.0%	-0.6%	-0.64%
ROA	1.0%	0.7%	1.1%	1.2%	1.2%	0.5%	-11.4%	-14.3%	-15.0%	-8.5%	-9.4%	-8.7%	-8.9%	0.4%	0.4%	0.4%	0.6%	0.7%	0.7%	-0.1%	-0.06%
ROIC	24.2%	18.5%	10.9%	11.1%	9.8%	-24.1%	-78.1%	-85.6%	-96.6%	6.3%	-1.8%	-2.1%	-1.5%	11.7%	3.9%	8.7%	13.0%	-35.4%	3.8%	2.6%	2.56%
ROCE	7.0%	4.5%	7.2%	8.5%	8.0%	2.4%	-41.5%	-66.2%	-66.6%	-70.3%	-45.6%	-38.4%	-33.7%	2.7%	3.0%	3.1%	4.3%	5.0%	1.0%	-0.8%	-0.82%
Gross Margin	90.1%	77.9%	1.3%	89.9%	83.7%	76.7%	55.9%	12.5%	35.1%	-3.8%	48.9%	50.0%	47.7%	55.0%	57.9%	51.2%	61.5%	63.9%	62.6%	21.4%	21.40%
Operating Margin	41.2%	9.8%	74.6%	38.6%	33.6%	29.8%	-2.3%	-65.0%	-5.5%	-2.1%	8.3%	9.1%	2.7%	15.6%	16.7%	10.7%	19.8%	24.5%	21.6%	-80.9%	-80.86%
Net Margin	30.0%	6.7%	53.8%	27.9%	23.8%	21.0%	-2.2%	-48.6%	-4.8%	-1.8%	6.1%	6.2%	2.1%	12.7%	12.2%	6.3%	15.0%	16.9%	16.3%	-57.9%	-57.95%
EBITDA Margin	46.3%	1.1%	79.5%	43.0%	37.9%	33.7%	-2.3%	-59.1%	-1.1%	-2.0%	14.3%	15.7%	10.1%	21.7%	22.6%	16.3%	21.4%	27.3%	26.8%	-74.6%	-74.59%
FCF Margin	35.9%	1.5%	1.3%	1.3%	1.3%	28.0%	6.3%	6.1%	4.1%	3.3%	1.6%	0.2%	1.2%	3.4%	9.5%	11.5%	12.6%	13.0%	14.7%	20.8%	20.78%
OCF Margin	36.8%	1.6%	1.5%	1.5%	1.4%	34.9%	11.1%	7.3%	5.2%	3.4%	1.4%	0.5%	1.2%	4.1%	10.0%	11.6%	13.0%	14.1%	15.9%	21.8%	21.79%
ROE 3Y Avg	snapshot only																				-17.78%
ROE 5Y Avg	snapshot only																				-36.63%
ROA 3Y Avg	snapshot only																				-1.71%
ROIC Economic	snapshot only																				-0.44%
Cash ROA	snapshot only																				1.12%
NOPAT Margin	snapshot only																				-1.55%
Pretax Margin	snapshot only																				-2.66%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				33.18%
SBC / Revenue	snapshot only																				1.19%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	25.00	33.42	21.39	18.14	16.37	14.26	-1.48	-1.15	-1.19	-0.54	-1.13	-1.07	-1.26	20.16	15.78	14.92	12.56	13.49	11.38	-149.61	-44.573
P/S Ratio	6.44	6.72	6.31	5.41	4.61	4.42	1.96	1.33	1.08	0.72	0.98	0.80	0.95	1.37	1.31	1.25	1.45	1.71	1.55	1.79	1.620
P/B Ratio	2.32	1.96	2.11	1.99	1.81	0.44	1.73	1.61	1.66	0.54	0.72	0.61	0.69	0.73	0.67	0.64	0.76	0.87	0.79	1.00	0.892
P/FCF	17.93	4.58	4.73	4.24	3.67	15.78	31.17	21.78	26.08	22.04	60.25	402.51	82.34	39.76	13.77	10.91	11.58	13.15	10.55	8.60	8.600
P/OCF	17.49	4.14	4.26	3.68	3.20	12.67	17.67	18.16	20.87	20.97	68.82	154.15	79.53	33.06	13.05	10.77	11.23	12.08	9.72	8.20	8.200
EV/EBITDA	12.05	7.62	8.61	7.82	7.58	-14.67	-1.67	-1.38	-1.32	0.55	-0.06	0.23	-0.04	0.49	8.32	1.51	2.04	-2.84	14.56	-31.69	-31.692
EV/Revenue	4.73	4.38	6.03	5.37	4.92	-6.99	2.21	1.67	1.24	-0.81	0.06	-0.19	0.03	0.08	1.46	0.27	0.42	-0.62	3.34	-0.61	-0.609
EV/EBIT	13.98	16.41	14.79	12.99	12.53	-16.15	-1.62	-1.33	-1.25	0.53	-0.06	0.22	-0.04	0.85	13.21	2.34	2.66	-3.46	17.42	31.13	31.133
EV/FCF	13.16	2.98	4.52	4.21	3.92	-24.96	35.18	27.28	29.88	-24.87	3.62	-95.39	2.91	2.22	15.36	2.34	3.33	-4.80	22.74	-2.93	-2.932
Earnings Yield	4.0%	3.0%	4.7%	5.5%	6.1%	7.0%	-67.7%	-87.2%	-83.7%	-1.9%	-88.9%	-93.7%	-79.4%	5.0%	6.3%	6.7%	8.0%	7.4%	8.8%	-0.7%	-0.67%
FCF Yield	5.6%	21.8%	21.2%	23.6%	27.2%	6.3%	3.2%	4.6%	3.8%	4.5%	1.7%	0.2%	1.2%	2.5%	7.3%	9.2%	8.6%	7.6%	9.5%	11.6%	11.63%
PEG Ratio	snapshot only																				0.273
Price/Tangible Book	snapshot only																				1.104
EV/OCF	snapshot only																				-2.795
EV/Gross Profit	snapshot only																				-1.148
Shareholder Yield	snapshot only																				4.60%

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.22	0.20	0.15	0.14	0.15	0.22	0.27	0.17	0.18	0.24	0.18	0.18	0.19	0.18	0.09	0.17	0.18	0.26	0.41	0.27	0.269
Quick Ratio	0.22	0.20	0.15	0.14	0.15	0.22	0.27	0.17	0.18	0.24	0.18	0.18	0.19	0.18	0.09	0.17	0.18	0.26	0.41	0.27	0.269
Debt/Equity	1.15	0.77	1.08	1.16	1.28	0.67	2.28	1.67	1.47	1.13	0.91	0.70	0.72	0.67	0.74	0.84	0.85	0.85	0.99	0.95	0.951
Net Debt/Equity	-0.62	-0.68	-0.09	-0.01	0.12	-1.13	0.22	0.41	0.24	-1.14	-0.68	-0.75	-0.66	-0.69	0.08	-0.50	-0.54	-1.19	0.92	-1.34	-1.337
Debt/Assets	0.12	0.09	0.11	0.12	0.13	0.06	0.22	0.17	0.16	0.10	0.09	0.07	0.08	0.07	0.08	0.08	0.09	0.09	0.10	0.09	0.087
Debt/EBITDA	8.12	4.59	4.63	4.57	5.03	14.15	-1.94	-1.14	-1.01	-1.03	-1.27	-1.13	-1.24	8.05	8.27	9.16	8.01	7.60	8.41	88.61	88.610
Net Debt/EBITDA	-4.37	-4.09	-0.41	-0.05	0.49	-23.95	-0.19	-0.28	-0.17	1.04	0.95	1.22	1.13	-8.33	0.86	-5.53	-5.05	-10.61	7.80	-124.66	-124.658
Interest Coverage	2.49	2.18	3.81	4.09	3.41	2.89	-4.01	-2.31	-1.63	-1.93	-1.28	-1.19	-1.24	0.19	0.25	0.27	0.39	0.47	0.51	-0.05	-0.052
Equity Multiplier	9.80	8.85	9.79	10.01	9.84	10.44	10.47	9.79	9.23	11.36	10.63	10.34	9.56	9.58	9.59	9.99	9.81	9.83	9.77	10.91	10.907
Cash Ratio	snapshot only																				0.239
Debt Service Coverage	snapshot only																				0.052
Cash to Debt	snapshot only																				2.407
FCF to Debt	snapshot only																				0.122
Defensive Interval	snapshot only																				2719.5 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.02	0.09	0.12	0.17	0.06	0.11	0.12	0.12	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.052
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	56.80	68.42	625.92	153.20	218.00	4.73	1622.20	507.80	899.45	17.18	36.16	38.42	39.11	14.19	13.57	13.47	14.04	28.86	13.89	27.97	27.975
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	6	5	1	2	2	77	0	1	0	21	10	10	9	26	27	27	26	13	26	13	13.0 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	6	5	1	2	2	77	0	1	0	21	10	10	9	26	27	27	26	13	26	13	—
Fixed Asset Turnover	snapshot only																				12.248
Cash Velocity	snapshot only																				0.244
Capital Intensity	snapshot only																				19.542

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	-4.1%	0.2%	7.1%	16.4%	23.0%	25.9%	1.6%	2.3%	3.1%	5.5%	1.9%	1.2%	63.6%	-26.3%	-27.9%	-31.7%	-28.6%	-3.3%	0.7%	1.0%	1.05%
Net Income	14.2%	4.0%	1.9%	46.6%	34.3%	94.0%	-12.6%	-13.9%	-14.3%	-29.1%	-93.2%	-44.2%	-36.9%	1.0%	1.1%	1.1%	1.1%	80.5%	65.3%	-1.1%	-1.14%
EPS	14.2%	3.9%	1.9%	45.9%	33.7%	93.1%	-10.6%	-11.6%	-11.9%	-24.1%	-64.3%	-22.4%	-16.1%	1.0%	1.1%	1.1%	1.1%	91.3%	75.0%	-1.1%	-1.15%
FCF	1.1%	5.5%	3.9%	2.2%	3.3%	-76.0%	-87.8%	-84.1%	-86.4%	-24.4%	-23.8%	-92.7%	-54.2%	-22.2%	3.2%	38.2%	6.7%	2.6%	55.7%	83.3%	83.26%
EBITDA	3.7%	4.5%	3.0%	1.3%	1.0%	4.5%	-5.9%	-6.8%	-7.0%	-21.0%	-1.2%	-49.5%	-41.6%	1.1%	1.1%	1.1%	1.2%	36.9%	31.7%	-89.1%	-89.06%
Op. Income	35.1%	4.8%	2.3%	62.1%	42.9%	1.0%	-9.7%	-11.1%	-11.4%	-23.9%	-1.2%	-54.9%	-46.2%	1.0%	1.1%	1.1%	1.1%	93.0%	74.7%	-1.2%	-1.17%
OCF Growth	snapshot only																				89.81%
Asset Growth	snapshot only																				1.64%
Equity Growth	snapshot only																				-6.86%
Debt Growth	snapshot only																				5.84%
Shares Change	snapshot only																				-1.68%
Dividend Growth	snapshot only																				1.91%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	-11.1%	-11.3%	-10.3%	-7.6%	-4.3%	-1.0%	32.7%	50.6%	69.5%	1.0%	1.0%	1.0%	1.0%	82.1%	76.7%	71.5%	68.9%	66.8%	28.9%	15.4%	15.42%
Revenue 5Y	-7.9%	-9.3%	-8.7%	-7.2%	-5.8%	-1.8%	14.9%	21.6%	29.0%	41.7%	40.7%	42.3%	42.7%	36.0%	37.8%	39.0%	41.5%	42.4%	42.8%	42.8%	42.78%
EPS 3Y	21.3%	12.5%	31.3%	31.9%	72.6%	72.2%	—	—	—	—	—	—	—	12.0%	2.4%	1.7%	13.7%	11.7%	—	—	—
EPS 5Y	-4.5%	-11.2%	-2.7%	1.5%	6.1%	17.6%	—	—	—	—	—	—	—	30.1%	59.2%	—	97.1%	67.8%	40.0%	—	—
Net Income 3Y	19.6%	11.1%	30.0%	31.5%	72.4%	72.0%	—	—	—	—	—	—	—	26.7%	15.7%	12.3%	25.6%	23.7%	—	—	—
Net Income 5Y	-5.0%	-11.6%	-3.1%	1.1%	5.7%	15.9%	—	—	—	—	—	—	—	39.8%	71.3%	—	1.1%	78.7%	49.1%	—	—
EBITDA 3Y	32.1%	43.0%	48.6%	47.5%	81.2%	58.6%	—	—	—	—	—	—	—	17.7%	11.4%	9.2%	15.0%	28.8%	—	—	—
EBITDA 5Y	-1.1%	6.2%	16.6%	26.2%	27.1%	33.9%	—	—	—	—	—	—	—	44.2%	60.5%	—	70.6%	65.3%	49.0%	-20.2%	-20.23%
Gross Profit 3Y	-2.4%	-1.7%	3.1%	6.9%	16.1%	17.5%	42.7%	43.5%	42.1%	31.3%	21.4%	34.4%	34.9%	52.5%	44.1%	40.4%	42.3%	42.9%	25.0%	22.0%	21.98%
Gross Profit 5Y	-7.7%	-9.7%	-6.7%	-4.9%	-3.5%	1.9%	13.0%	11.5%	16.2%	11.6%	8.1%	17.6%	23.7%	33.3%	37.7%	39.6%	36.9%	37.8%	35.4%	29.9%	29.92%
Op. Income 3Y	39.9%	20.7%	33.5%	33.1%	74.1%	82.1%	—	—	—	—	—	—	—	26.9%	14.4%	11.9%	24.5%	24.5%	—	—	—
Op. Income 5Y	-1.3%	-6.5%	8.3%	19.9%	21.1%	44.4%	—	—	—	—	—	—	—	43.2%	83.9%	—	1.5%	86.7%	54.3%	—	—
FCF 3Y	-7.7%	58.6%	55.3%	71.1%	82.8%	16.1%	-3.7%	17.3%	7.0%	5.8%	-22.9%	-66.6%	-35.6%	-47.9%	-26.8%	-23.2%	-21.6%	29.0%	71.2%	73.4%	73.42%
FCF 5Y	—	—	24.1%	-5.5%	-6.2%	-27.6%	-38.1%	-20.4%	-14.4%	-6.2%	-19.0%	-43.4%	-17.6%	-1.6%	23.5%	35.6%	34.1%	27.5%	24.8%	21.9%	21.88%
OCF 3Y	-9.0%	59.9%	56.2%	73.5%	83.8%	19.3%	10.9%	17.9%	10.8%	5.1%	-27.1%	-54.3%	-35.4%	-46.4%	-28.0%	-26.5%	-24.3%	23.4%	45.6%	65.8%	65.84%
OCF 5Y	—	95.6%	19.7%	-4.1%	-4.4%	-24.7%	-30.8%	-18.1%	-11.7%	-6.7%	-22.5%	-32.8%	-19.0%	-0.7%	21.3%	31.5%	31.8%	27.8%	25.8%	22.5%	22.45%
Assets 3Y	-6.9%	-3.9%	-1.0%	0.5%	2.8%	74.0%	9.4%	6.4%	6.1%	69.8%	65.7%	63.7%	59.2%	52.7%	52.2%	53.3%	53.7%	-5.5%	51.2%	54.9%	54.88%
Assets 5Y	-5.9%	-3.1%	-2.8%	-1.7%	-1.8%	31.9%	-0.6%	-1.9%	-2.1%	29.4%	29.5%	30.4%	31.1%	33.8%	34.5%	34.5%	34.5%	34.6%	34.3%	34.1%	34.10%
Equity 3Y	-3.7%	4.1%	1.1%	-0.5%	1.9%	63.3%	4.7%	4.2%	4.6%	55.8%	61.6%	60.2%	60.6%	48.7%	53.2%	53.4%	53.8%	-3.6%	54.7%	49.4%	49.40%
Book Value 3Y	-2.4%	5.4%	2.1%	-0.2%	2.0%	63.5%	-2.0%	-2.7%	-2.2%	45.6%	43.1%	41.9%	42.2%	31.4%	35.6%	38.9%	39.2%	-12.9%	49.0%	45.2%	45.19%
Dividend 3Y	-4.0%	69.0%	68.7%	71.0%	74.4%	-48.5%	-29.8%	-26.4%	-23.2%	88.4%	18.4%	18.0%	17.7%	-17.4%	-14.4%	-16.3%	-19.4%	-11.0%	-4.7%	-2.8%	-2.76%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.80	0.94	0.90	0.78	0.63	0.29	0.24	0.30	0.35	0.38	0.50	0.58	0.65	0.54	0.64	0.66	0.70	0.54	0.58	0.54	0.538
Earnings Stability	0.27	0.39	0.05	0.00	0.08	0.25	0.40	0.39	0.39	0.41	0.68	0.69	0.68	0.13	0.16	0.15	0.14	0.01	0.00	0.00	0.003
Margin Stability	0.79	0.81	0.77	0.76	0.78	0.81	0.78	0.69	0.69	0.56	0.54	0.53	0.50	0.51	0.50	0.51	0.53	0.53	0.58	0.58	0.578
Rev. Growth Consistency	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
Earn. Growth Consistency	0.50	0.50	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.50	0.86	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.20	0.200
Earnings Smoothness	0.00	0.00	0.03	0.62	0.71	0.36	—	—	—	—	—	—	—	—	—	—	—	0.43	0.51	—	—
ROE Trend	0.08	0.04	0.07	0.08	0.06	-0.01	-1.24	-1.51	-1.49	-1.05	-0.10	0.08	0.09	0.52	0.95	1.03	1.03	0.55	0.37	0.26	0.257
Gross Margin Trend	0.28	0.23	0.31	0.28	0.17	0.16	-0.22	-0.46	-0.52	-0.71	-0.64	-0.47	-0.41	-0.06	0.11	0.18	0.24	0.24	0.25	0.15	0.145
FCF Margin Trend	0.19	1.27	1.11	0.98	0.99	-0.57	-0.75	-0.81	-0.77	-0.84	-0.68	-0.67	-0.64	-0.12	0.06	0.08	0.10	0.10	0.09	0.15	0.150
Sustainable Growth Rate	6.5%	-5.8%	-2.5%	-1.5%	-1.3%	4.2%	—	—	—	—	—	—	—	0.5%	1.2%	1.2%	2.9%	3.6%	4.0%	—	—
Internal Growth Rate	0.7%	—	—	—	—	0.4%	—	—	—	—	—	—	—	0.1%	0.1%	0.1%	0.3%	0.4%	0.4%	—	—

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.43	8.07	5.02	4.94	5.11	1.13	-0.08	-0.06	-0.06	-0.03	-0.02	-0.01	-0.02	0.61	1.21	1.38	1.12	1.12	1.17	-18.25	-18.246
FCF/OCF	0.97	0.90	0.90	0.87	0.87	0.80	0.57	0.83	0.80	0.95	1.14	0.38	0.97	0.83	0.95	0.99	0.97	0.92	0.92	0.95	0.954
FCF/Net Income	snapshot only																				-17.398
OCF/EBITDA	snapshot only																				11.337
CapEx/Revenue	0.9%	15.5%	14.6%	19.5%	18.4%	6.9%	4.8%	1.2%	1.0%	0.2%	0.2%	0.3%	0.0%	0.7%	0.5%	0.1%	0.4%	1.2%	1.2%	1.0%	1.01%
CapEx/Depreciation	snapshot only																				0.261
Accruals Ratio	-0.00	-0.05	-0.04	-0.05	-0.05	-0.00	-0.12	-0.15	-0.16	-0.09	-0.10	-0.09	-0.09	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.012
Sloan Accruals	snapshot only																				0.012
Cash Flow Adequacy	snapshot only																				3.083

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	1.1%	5.7%	5.8%	6.2%	6.8%	0.9%	3.0%	3.7%	3.9%	7.3%	4.9%	6.6%	6.3%	4.2%	4.6%	4.9%	4.1%	3.4%	3.7%	3.4%	2.52%
Dividend/Share	$0.19	$1.02	$1.01	$1.00	$0.99	$0.14	$0.35	$0.40	$0.45	$0.93	$0.71	$0.81	$0.90	$0.64	$0.64	$0.68	$0.68	$0.65	$0.66	$0.69	$0.46
Payout Ratio	28.2%	1.9%	1.2%	1.1%	1.1%	13.4%	—	—	—	—	—	—	—	85.2%	72.7%	72.9%	51.5%	45.3%	42.5%	—	—
FCF Payout Ratio	20.2%	26.3%	27.2%	26.4%	24.8%	14.8%	94.2%	81.0%	1.0%	1.6%	3.0%	26.4%	5.2%	1.7%	63.4%	53.3%	47.5%	44.2%	39.4%	29.1%	29.15%
Total Payout Ratio	37.9%	2.0%	1.3%	1.6%	1.7%	77.0%	—	—	—	—	—	—	—	85.2%	98.7%	99.3%	70.2%	62.3%	57.8%	—	—
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	-0.14	3.70	3.72	4.02	4.35	-0.85	-0.55	-0.47	-0.41	7.25	1.44	1.43	1.41	-0.14	-0.05	-0.16	-0.25	-0.01	0.01	0.04	0.036
Buyback Yield	0.4%	0.4%	0.3%	2.4%	3.4%	4.5%	4.6%	2.5%	1.5%	0.5%	0.6%	0.8%	0.7%	0.0%	1.6%	1.8%	1.5%	1.3%	1.3%	1.2%	1.21%
Net Buyback Yield	0.4%	0.4%	0.3%	2.4%	3.4%	4.5%	4.6%	2.5%	1.5%	-20.5%	-15.1%	-17.7%	-15.3%	-0.0%	1.6%	1.8%	1.5%	-4.8%	-5.3%	-4.7%	-4.69%
Total Shareholder Return	1.5%	6.1%	6.0%	8.6%	10.1%	5.4%	7.6%	6.2%	5.4%	-13.2%	-10.2%	-11.1%	-9.0%	4.2%	6.2%	6.6%	5.6%	-1.5%	-1.6%	-1.3%	-1.30%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.76	0.75	0.72	0.72	0.72	0.72	0.97	0.92	0.92	0.88	0.84	0.86	0.86	0.75	0.75	0.73	0.74	0.73	0.74	0.45	0.449
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.96	0.96	1.36	1.359
EBIT Margin	0.34	0.27	0.41	0.41	0.39	0.43	-1.37	-1.26	-0.99	-1.53	-1.03	-0.88	-0.88	0.09	0.11	0.11	0.16	0.18	0.19	-0.02	-0.020
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.02	0.09	0.12	0.17	0.06	0.11	0.12	0.12	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.052
Equity Multiplier	9.32	8.82	9.82	9.86	9.82	10.10	10.13	9.90	9.53	10.86	10.59	10.22	9.49	10.46	10.10	10.17	9.69	9.71	9.68	10.43	10.435

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$0.67	$0.53	$0.82	$0.89	$0.89	$1.03	$-7.85	$-9.42	$-9.75	$-23.75	$-12.90	$-11.53	$-11.33	$0.75	$0.88	$0.93	$1.31	$1.43	$1.55	$-0.14	$-0.14
Book Value/Share	$7.21	$9.08	$8.34	$8.07	$8.08	$33.53	$6.71	$6.69	$7.01	$23.72	$20.19	$20.23	$20.74	$20.62	$20.78	$21.63	$21.80	$22.12	$22.20	$20.49	$20.49
Tangible Book/Share	$6.87	$8.23	$7.49	$7.22	$7.04	$21.58	$5.86	$5.85	$6.16	$21.17	$18.07	$18.07	$18.62	$18.57	$18.78	$19.52	$19.74	$20.12	$20.24	$18.51	$18.51
Revenue/Share	$2.59	$2.64	$2.79	$2.97	$3.17	$3.31	$5.93	$8.10	$10.79	$17.76	$14.87	$15.32	$14.97	$11.03	$10.64	$11.13	$11.32	$11.31	$11.34	$11.43	$11.43
FCF/Share	$0.93	$3.88	$3.72	$3.79	$3.98	$0.93	$0.37	$0.50	$0.45	$0.58	$0.24	$0.03	$0.17	$0.38	$1.01	$1.27	$1.42	$1.47	$1.67	$2.38	$2.38
OCF/Share	$0.96	$4.29	$4.13	$4.37	$4.57	$1.16	$0.66	$0.60	$0.56	$0.61	$0.21	$0.08	$0.18	$0.46	$1.07	$1.29	$1.47	$1.60	$1.81	$2.49	$2.49
Cash/Share	$12.70	$13.17	$9.83	$9.43	$9.37	$60.13	$13.77	$8.43	$8.58	$54.03	$31.95	$29.35	$28.80	$27.98	$13.83	$29.00	$30.31	$45.17	$1.59	$46.87	$46.87
EBITDA/Share	$1.02	$1.52	$1.95	$2.04	$2.06	$1.58	$-7.86	$-9.82	$-10.13	$-26.07	$-14.37	$-12.47	$-12.17	$1.71	$1.87	$1.98	$2.32	$2.48	$2.60	$0.22	$0.22
Debt/Share	$8.26	$6.96	$9.03	$9.33	$10.37	$22.33	$15.27	$11.16	$10.27	$26.91	$18.30	$14.13	$15.03	$13.75	$15.44	$18.09	$18.58	$18.84	$21.90	$19.47	$19.47
Net Debt/Share	$-4.45	$-6.21	$-0.79	$-0.10	$1.00	$-37.79	$1.49	$2.73	$1.69	$-27.11	$-13.65	$-15.21	$-13.76	$-14.23	$1.60	$-10.91	$-11.73	$-26.33	$20.31	$-27.39	$-27.39

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.949
Altman Z-Prime	snapshot only																				-4.156
Piotroski F-Score	5	5	6	7	5	5	4	4	4	4	5	6	6	5	6	6	6	7	7	5	5
Beneish M-Score	-3.40	2.72	-2.51	-2.30	-2.28	21.10	1.28	2.07	-0.02	-6.30	-2.54	-2.70	-2.78	-2.56	-2.65	-2.63	-2.82	-3.64	-2.57	-2.87	-2.875
Ohlson O-Score	snapshot only																				-4.022
Net-Net WC	snapshot only																				$-150.21

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				B
Credit Score	51.02	67.55	66.23	65.54	68.24	35.75	11.67	14.11	14.23	14.67	14.73	14.70	16.00	40.32	33.52	34.16	42.96	43.44	34.39	29.44	29.441
Credit Grade	snapshot only																				15
Credit Trend	snapshot only																				-4.716
Implied Spread (bps)	snapshot only																				750.000
Industry Credit Rank	snapshot only																				8
Sector Credit Rank	snapshot only																				15

BANC NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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