Discounted Cash Flow

Banc of California, Inc.

BANC · Based on 10 years of SEC filings

DCF estimate unavailable — loss_in_2023

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2016 $325.5m $115.4m $-31.0m 35.5% $1.97
2017 $304.2m (-6.5%) $57.7m (-50.0%) $547.7m (1866.4%) 19.0% (-46.5%) $0.72 (-63.5%)
2018 $23.9m (-92.1%) $45.5m (-21.2%) $114.0m (-79.2%) 190.1% (902.2%) $0.45 (-37.5%)
2019 $12.1m (-49.3%) $23.8m (-47.8%) $69.8m (-38.8%) 196.1% (3.1%) $0.05 (-88.9%)
2020 $18.5m (52.8%) $12.6m (-47.1%) $69.8m (-0.0%) 67.9% (-65.4%) $-0.04 (-180.0%)
2021 $6.0m (-67.8%) $62.3m (395.8%) $102.9m (47.5%) 1045.4% (1439.5%) $1.90 (4850.0%)
2022 $9.1m (51.9%) $120.9m (94.0%) $132.0m (28.2%) 1335.2% (27.7%) $3.80 (100.0%)
2023 $33.8m (272.8%) $-1.9b (-1670.3%) $120.5m (-8.7%) -5624.2% (-521.2%) $-22.71 (-697.6%)
2024 $37.2m (10.2%) $126.9m (106.7%) $64.3m (-46.6%) 340.9% (106.1%) $0.52 (102.3%)
2025 $38.8m (4.2%) $229.0m (80.5%) $234.8m (265.0%) 590.2% (73.1%) $1.18 (126.9%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Values abbreviated: b = billions, m = millions, k = thousands.

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model

loss_in_2023

Once the company meets all DCF eligibility criteria (sufficient history, profitability, growth trends), an estimate will become available automatically. No action is needed.