Also trades as: BANC-PF (NYSE) · $vol 1M · BANC-PE (NYSE) · $vol 0M

$18.81

+0.00 (+0.00%)

Weekly Expected Move ±3.6%

$17 $18 $18 $19 $20

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 58 · $2.9B mcap · 136M float · 2.22% daily turnover · Short 48% of daily vol

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

36.6 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: -38.1%

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 (36.6/100). The business operates without significant structural advantages. The primary source of advantage is Network Effects. Negative ROIC of -38.1% indicates the company is currently destroying value, though this may reflect a growth investment phase.

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

$20

Avg Target

$20

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

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

Rating Summary

ConsensusBuy

Avg Target$20.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
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.

May 22, 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 B. Areas of concern: D/E (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-05-18	B+	B
2026-05-14	B	B+
2026-05-04	B+	B
2026-04-24	C+	B+
2026-04-23	B-	C+
2026-04-22	B+	B-
2026-04-01	B-	B+
2026-01-30	B	B-
2026-01-29	B-	B
2026-01-26	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.

★ ★ ★ ★ ★ 54 Grade A

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 (98/100) and lowest in Safety (50/100). An overall grade of A places BANC among the highest-quality companies in its peer group.

Risk & Quality Signals

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

Altman-B Score

2.31

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✗

Beneish M-Score

-3.47

Unlikely Manipulator

Ohlson O-Score

-4.79

Bankruptcy prob: 0.8%

Low Risk

Credit Rating

Score: 41.9/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.17x

Accruals: -0.1%

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 2.31, 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 8/9, signaling strong financial health across all three dimensions. 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 -3.47 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 0.8% 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 BB (score: 41.9/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). BANC's score of 100/100 is high — cash flows strongly support reported earnings.

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

11.82x

PEG

0.11x

P/S

1.60x

P/B

0.82x

P/FCF

10.55x

P/OCF

9.72x

EV/EBITDA

-3.56x

EV/Revenue

-0.77x

EV/EBIT

-4.02x

EV/FCF

-5.25x

Earnings Yield

8.79%

FCF Yield

9.48%

Shareholder Yield

5.08%

Graham Number

$27.73

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. At 11.8x earnings, BANC trades at a reasonable valuation. An earnings yield of 8.8% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $27.73 per share, suggesting a potential 47% margin of safety at the current price.

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

0.737

NI / EBT

Interest Burden

0.964

EBT / EBIT

EBIT Margin

0.192

EBIT / Rev

Asset Turnover

0.053

Rev / Assets

Equity Multiplier

9.706

Assets / Equity

ROE

7.0%

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 7.0% is driven by financial leverage (equity multiplier: 9.71x). Note: high leverage means ROE is amplified by debt rather than operational performance.

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.

Adj. Growth Rate

74.99%

Fair P/E

158.47x

Intrinsic Value

$244.85

Price/Value

0.07x

Margin of Safety

92.82%

Premium

-92.82%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with BANC's realized 75.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $244.85, BANC appears undervalued with a 93% margin of safety. The adjusted fair P/E of 158.5x compares to the current market P/E of 11.8x.

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

$18.82

Median 1Y

$18.17

5th Pctile

$8.83

95th Pctile

$37.57

Ann. Volatility

44.9%

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

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

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	Q2'21	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	Current
ROE	7.9%	8.7%	6.4%	9.8%	10.6%	10.7%	4.8%	-44.8%	-53.7%	-55.6%	-92.5%	-59.1%	-52.9%	-52.0%	3.7%	4.3%	4.3%	6.1%	6.5%	7.0%	7.03%
ROA	0.9%	1.0%	0.7%	1.1%	1.2%	1.2%	0.5%	-4.4%	-5.3%	-5.5%	-8.5%	-5.4%	-4.9%	-4.8%	0.4%	0.4%	0.4%	0.6%	0.7%	0.7%	0.72%
ROIC	27.1%	29.9%	18.5%	28.6%	30.9%	31.2%	-24.1%	1.8%	2.3%	2.4%	6.3%	4.2%	3.7%	3.6%	11.7%	13.8%	13.6%	19.2%	-35.4%	-38.1%	-38.11%
ROCE	5.2%	6.0%	4.5%	7.2%	7.8%	7.9%	2.4%	-16.1%	-20.3%	-21.2%	-70.3%	-46.6%	-41.0%	-40.3%	2.7%	3.1%	3.2%	4.5%	5.0%	5.3%	5.31%
Gross Margin	89.6%	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%	62.59%
Operating Margin	35.0%	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%	21.63%
Net Margin	26.1%	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%	16.25%
EBITDA Margin	40.7%	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%	21.6%	21.63%
FCF Margin	45.8%	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%	14.70%
OCF Margin	47.0%	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%	15.95%
ROE 3Y Avg	snapshot only																				-17.58%
ROE 5Y Avg	snapshot only																				-14.42%
ROA 3Y Avg	snapshot only																				-1.49%
ROIC Economic	snapshot only																				3.93%
Cash ROA	snapshot only																				0.83%
NOPAT Margin	snapshot only																				14.14%
Pretax Margin	snapshot only																				18.50%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				31.41%
SBC / Revenue	snapshot only																				0.98%

Valuation

Metric	Q2'21	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	Current
P/E Ratio	26.01	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	11.821
P/S Ratio	6.15	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	1.598
P/B Ratio	2.06	2.18	1.96	1.94	1.77	1.62	0.44	0.42	0.39	0.42	0.54	0.72	0.61	0.71	0.73	0.67	0.63	0.75	0.87	0.79	0.823
P/FCF	13.42	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	10.550
P/OCF	13.11	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	9.723
EV/EBITDA	11.44	11.09	7.62	5.84	4.84	4.09	-14.67	2.49	2.07	1.92	0.55	0.59	0.86	0.72	0.49	-0.17	-0.68	0.55	-2.84	-3.56	-3.556
EV/Revenue	4.04	4.35	4.38	4.09	3.32	2.66	-6.99	-3.30	-2.51	-1.81	-0.81	-0.57	-0.70	-0.58	0.08	-0.03	-0.12	0.11	-0.62	-0.77	-0.771
EV/EBIT	13.60	12.87	16.41	10.03	8.04	6.77	-16.15	2.41	1.99	1.83	0.53	0.56	0.80	0.66	0.85	-0.28	-1.05	0.72	-3.46	-4.02	-4.020
EV/FCF	8.81	12.11	2.98	3.06	2.61	2.12	-24.96	-52.52	-40.96	-43.64	-24.87	-35.41	-350.65	-50.34	2.22	-0.32	-1.05	0.90	-4.80	-5.25	-5.248
Earnings Yield	3.8%	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%	8.79%
FCF Yield	7.4%	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%	9.48%
PEG Ratio	snapshot only																				0.115
Price/Tangible Book	snapshot only																				0.874
EV/OCF	snapshot only																				-4.837
EV/Gross Profit	snapshot only																				-1.289
Acquirers Multiple	snapshot only																				-4.020
Shareholder Yield	snapshot only																				5.08%
Graham Number	snapshot only																				$27.73

Leverage & Solvency

Metric	Q2'21	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	Current
Current Ratio	0.24	0.24	0.20	0.20	0.20	0.20	0.22	0.22	0.22	0.22	0.24	0.24	0.24	0.24	0.18	0.18	0.18	0.18	0.26	0.26	0.256
Quick Ratio	0.24	0.24	0.20	0.20	0.20	0.20	0.22	0.22	0.22	0.22	0.24	0.24	0.24	0.24	0.18	0.18	0.18	0.18	0.26	0.26	0.256
Debt/Equity	0.91	0.91	0.77	0.77	0.77	0.77	0.67	0.67	0.67	0.67	1.13	1.13	1.13	1.13	0.67	0.67	0.67	0.67	0.85	0.85	0.852
Net Debt/Equity	-0.71	-0.71	-0.68	-0.68	-0.68	-0.68	-1.13	-1.13	-1.13	-1.13	-1.14	-1.14	-1.14	-1.14	-0.69	-0.69	-0.69	-0.69	-1.19	-1.19	-1.190
Debt/Assets	0.10	0.10	0.09	0.09	0.09	0.09	0.06	0.06	0.06	0.06	0.10	0.10	0.10	0.10	0.07	0.07	0.07	0.07	0.09	0.09	0.087
Debt/EBITDA	7.70	6.85	4.59	3.57	3.40	3.36	14.15	-2.34	-1.87	-1.82	-1.03	-1.59	-1.83	-1.88	8.05	7.38	7.46	6.32	7.60	7.66	7.661
Net Debt/EBITDA	-5.99	-5.33	-4.09	-3.18	-3.03	-3.00	-23.95	3.96	3.17	3.07	1.04	1.60	1.85	1.89	-8.33	-7.64	-7.72	-6.54	-10.61	-10.70	-10.703
Interest Coverage	1.93	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	0.512
Equity Multiplier	8.78	8.78	8.85	8.85	8.85	8.85	10.44	10.44	10.44	10.44	11.36	11.36	11.36	11.36	9.58	9.58	9.58	9.58	9.83	9.83	9.826
Cash Ratio	snapshot only																				0.256
Debt Service Coverage	snapshot only																				0.578
Cash to Debt	snapshot only																				2.397
FCF to Debt	snapshot only																				0.088
Defensive Interval	snapshot only																				3576.7 days

Efficiency & Turnover

Metric	Q2'21	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	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.02	0.03	0.05	0.06	0.06	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.053
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	112.49	113.88	68.42	72.22	77.18	82.56	4.73	10.27	14.04	18.69	17.18	16.91	17.46	17.07	14.19	13.66	13.36	13.64	28.86	28.93	28.932
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	3	3	5	5	5	4	77	36	26	20	21	22	21	21	26	27	27	27	13	13	12.6 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	3	3	5	5	5	4	77	36	26	20	21	22	21	21	26	27	27	27	13	13	—
Fixed Asset Turnover	snapshot only																				12.373
Cash Velocity	snapshot only																				0.251
Capital Intensity	snapshot only																				19.172

Growth (YoY)

Metric	Q2'21	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	Current
Revenue	-11.5%	-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%	0.68%
Net Income	3.9%	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%	65.34%
EPS	3.8%	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%	74.99%
FCF	2.1%	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%	55.66%
EBITDA	8.7%	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%	24.5%	24.49%
Op. Income	3.5%	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%	74.73%
OCF Growth	snapshot only																				60.02%
Asset Growth	snapshot only																				3.74%
Equity Growth	snapshot only																				1.18%
Debt Growth	snapshot only																				29.26%
Shares Change	snapshot only																				-5.51%
Dividend Growth	snapshot only																				-3.21%

Growth (CAGR)

Metric	Q2'21	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	Current
Revenue 3Y	-11.6%	-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%	28.89%
Revenue 5Y	-8.0%	-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%	42.83%
EPS 3Y	13.6%	21.3%	12.5%	31.3%	31.9%	72.6%	72.2%	—	—	—	—	—	—	—	12.0%	2.4%	1.7%	13.7%	11.7%	—	—
EPS 5Y	-1.8%	-4.5%	-11.2%	-2.7%	1.5%	6.1%	17.6%	—	—	—	—	—	—	—	30.1%	59.2%	—	97.1%	67.8%	40.0%	40.02%
Net Income 3Y	11.3%	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	-2.3%	-5.0%	-11.6%	-3.1%	1.1%	5.7%	15.9%	—	—	—	—	—	—	—	39.8%	71.3%	—	1.1%	78.7%	49.1%	49.12%
EBITDA 3Y	26.3%	32.1%	43.0%	48.6%	47.5%	81.2%	58.6%	—	—	—	—	—	—	—	17.7%	11.4%	9.2%	15.0%	28.8%	—	—
EBITDA 5Y	-4.4%	-1.1%	6.2%	16.6%	26.2%	27.1%	33.9%	—	—	—	—	—	—	—	44.2%	60.5%	—	70.6%	65.3%	47.3%	47.28%
Gross Profit 3Y	-5.4%	-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%	25.01%
Gross Profit 5Y	-8.6%	-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%	35.38%
Op. Income 3Y	32.9%	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	-5.3%	-1.3%	-6.5%	8.3%	19.9%	21.1%	44.4%	—	—	—	—	—	—	—	43.2%	83.9%	—	1.5%	86.7%	54.3%	54.32%
FCF 3Y	-14.7%	-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%	71.16%
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%	24.76%
OCF 3Y	-15.1%	-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%	45.56%
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%	25.84%
Assets 3Y	-8.6%	-8.6%	-3.9%	-3.9%	-3.9%	-3.9%	74.0%	74.0%	74.0%	74.0%	69.8%	69.8%	69.8%	69.8%	52.7%	52.7%	52.7%	52.7%	-5.5%	-5.5%	-5.50%
Assets 5Y	-0.9%	-0.9%	-3.1%	-3.1%	-3.1%	-3.1%	31.9%	31.9%	31.9%	31.9%	29.4%	29.4%	29.4%	29.4%	33.8%	33.8%	33.8%	33.8%	34.6%	34.6%	34.60%
Equity 3Y	-3.9%	-3.9%	4.1%	4.1%	4.1%	4.1%	63.3%	63.3%	63.3%	63.3%	55.8%	55.8%	55.8%	55.8%	48.7%	48.7%	48.7%	48.7%	-3.6%	-3.6%	-3.58%
Book Value 3Y	-1.9%	-2.6%	5.4%	5.1%	4.4%	4.2%	63.5%	52.9%	52.6%	52.6%	45.6%	38.0%	38.0%	38.0%	31.4%	31.5%	34.6%	34.5%	-12.9%	-7.1%	-7.15%
Dividend 3Y	-0.9%	-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%	-4.74%

Growth Quality

Metric	Q2'21	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	Current
Revenue Stability	0.75	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	0.585
Earnings Stability	0.27	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	0.000
Margin Stability	0.79	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	0.579
Rev. Growth Consistency	0.00	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	0.500
Earn. Growth Consistency	0.50	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	1.000
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	0.20	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	0.500
Earnings Smoothness	—	0.00	0.00	0.03	0.62	0.71	0.36	—	—	—	—	—	—	—	—	—	—	—	0.43	0.51	0.507
ROE Trend	0.07	0.07	0.04	0.07	0.07	0.05	-0.01	-0.35	-0.43	-0.45	-1.05	-0.54	-0.45	-0.44	0.52	0.50	0.50	0.52	0.55	0.37	0.368
Gross Margin Trend	0.28	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	0.250
FCF Margin Trend	0.29	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	0.091
Sustainable Growth Rate	5.2%	6.2%	-5.8%	-2.3%	-1.4%	-1.2%	4.2%	—	—	—	—	—	—	—	0.5%	1.2%	1.2%	2.9%	3.6%	4.0%	4.04%
Internal Growth Rate	0.6%	0.7%	—	—	—	—	0.4%	—	—	—	—	—	—	—	0.1%	0.1%	0.1%	0.3%	0.4%	0.4%	0.42%

Cash Flow Quality

Metric	Q2'21	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	Current
OCF/Net Income	1.98	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	1.170
FCF/OCF	0.98	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	0.922
FCF/Net Income	snapshot only																				1.079
OCF/EBITDA	snapshot only																				0.735
CapEx/Revenue	1.1%	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%	1.25%
CapEx/Depreciation	snapshot only																				0.499
Accruals Ratio	-0.01	-0.00	-0.05	-0.04	-0.05	-0.05	-0.00	-0.05	-0.06	-0.06	-0.09	-0.06	-0.05	-0.05	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.001
Sloan Accruals	snapshot only																				0.035
Cash Flow Adequacy	snapshot only																				2.263
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	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	Current
Dividend Yield	1.3%	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%	2.23%
Dividend/Share	$0.20	$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	$0.42
Payout Ratio	33.4%	28.2%	1.9%	1.2%	1.1%	1.1%	13.4%	—	—	—	—	—	—	—	85.2%	72.7%	72.9%	51.5%	45.3%	42.5%	42.54%
FCF Payout Ratio	17.3%	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%	39.44%
Total Payout Ratio	43.8%	37.9%	2.0%	1.3%	1.6%	1.7%	77.0%	—	—	—	—	—	—	—	85.2%	98.7%	99.3%	70.2%	62.3%	57.8%	57.84%
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	-0.07	-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	0.005
Buyback Yield	0.4%	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%	1.34%
Net Buyback Yield	0.4%	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%	-5.32%
Total Shareholder Return	1.7%	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%	-1.58%

DuPont Factors

Metric	Q2'21	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	Current
Tax Burden (NI/EBT)	0.80	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	0.737
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	1.00	0.96	0.96	0.964
EBIT Margin	0.30	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	0.192
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.02	0.03	0.05	0.06	0.06	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.053
Equity Multiplier	8.70	8.70	8.82	8.82	8.82	8.82	10.10	10.10	10.10	10.10	10.86	10.86	10.86	10.86	10.46	10.46	10.46	10.46	9.71	9.71	9.706

Per Share

Metric	Q2'21	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	Current
EPS (Diluted TTM)	$0.61	$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	$1.55
Book Value/Share	$7.67	$7.65	$9.08	$9.08	$9.06	$9.04	$33.53	$27.63	$27.63	$27.63	$23.72	$20.17	$20.13	$20.11	$20.62	$20.66	$22.09	$22.01	$22.12	$22.12	$22.86
Tangible Book/Share	$7.33	$7.31	$8.23	$8.22	$8.20	$8.19	$21.58	$17.78	$17.78	$17.78	$21.17	$18.00	$17.97	$17.95	$18.57	$18.61	$19.89	$19.82	$20.12	$20.12	$20.12
Revenue/Share	$2.57	$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	$11.68
FCF/Share	$1.18	$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	$1.72
OCF/Share	$1.20	$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	$1.86
Cash/Share	$12.41	$12.39	$13.17	$13.16	$13.13	$13.11	$60.13	$49.54	$49.54	$49.54	$54.03	$45.94	$45.86	$45.82	$27.98	$28.03	$29.97	$29.86	$45.17	$45.17	$1.63
EBITDA/Share	$0.91	$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	$2.46	$2.46
Debt/Share	$6.98	$6.97	$6.96	$6.95	$6.94	$6.93	$22.33	$18.40	$18.40	$18.40	$26.91	$22.88	$22.85	$22.83	$13.75	$13.77	$14.73	$14.67	$18.84	$18.84	$18.84
Net Debt/Share	$-5.43	$-5.42	$-6.21	$-6.20	$-6.19	$-6.18	$-37.79	$-31.14	$-31.14	$-31.14	$-27.11	$-23.05	$-23.02	$-22.99	$-14.23	$-14.26	$-15.24	$-15.19	$-26.33	$-26.33	$-26.33

Academic Models

Metric	Q2'21	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	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.308
Altman Z-Prime	snapshot only																				-3.821
Piotroski F-Score	7	7	5	6	7	6	5	4	5	5	4	4	5	5	4	5	6	6	8	8	8
Beneish M-Score	-3.42	-3.22	2.72	1.89	1.82	1.83	21.10	6.68	9.60	6.79	-6.30	-3.04	-3.33	-3.19	-2.56	-2.74	-2.67	-2.89	-3.64	-3.47	-3.468
Ohlson O-Score	snapshot only																				-4.786
Net-Net WC	snapshot only																				$-150.07

Credit

Metric	Q2'21	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	Current
Credit Rating	snapshot only																				BB
Credit Score	49.42	50.84	67.32	73.28	78.80	78.40	35.47	18.09	18.16	18.25	14.59	18.29	18.30	18.25	40.05	40.64	40.47	43.51	43.14	41.87	41.865
Credit Grade	snapshot only																				12
Credit Trend	snapshot only																				1.222
Implied Spread (bps)	snapshot only																				475.000
Industry Credit Rank	snapshot only																				18
Sector Credit Rank	snapshot only																				28

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

Sign in to InsiderStreet