Banc of California, Inc. (BANC) vs BBVA Banco Frances S.A. (BBAR)

Banc of California, Inc. and BBVA Banco Frances S.A. are both Banks Regional companies. Banc of California, Inc. and BBVA Banco Frances S.A. are of similar size ($2.8B and $2.8B). Banc of California, Inc. has negative trailing earnings, so its P/E is not meaningful; BBVA Banco Frances S.A. trades at 9.6×. BBVA Banco Frances S.A. grew revenue faster over the last twelve months: 0.77% against −12.9%. BBVA Banco Frances S.A. has the higher net margin (5.48% vs −4.01%) and the higher return on invested capital (83.2% vs −2.54%). Both pay a dividend; BBVA Banco Frances S.A. yields more (4.90% vs 3.15%). Across the 19 metrics below, BBVA Banco Frances S.A. leads on 15 and Banc of California, Inc. on 4.

Valuation

Metric BANC BBAR Banks Regional median
P/E n/m 9.59 12.15
P/S 1.81 0.53 2.37
P/B 0.96 0.89 1.21
Price to free cash flow 7.71 2.46 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.36 0.17 2.27
Earnings yield (2.22%) 10.43% 8.11%
Free cash flow yield 12.96% 40.59% 8.98%

Profitability

Metric BANC BBAR Banks Regional median
Gross margin 57.08% 57.38% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (4.01%) 5.48% 18.66%
Free cash flow margin 23.51% 0.00% 21.18%
Return on equity (2.13%) 9.71% 10.64%
Return on assets (0.18%) 1.49% 1.13%
Return on invested capital (2.54%) 83.22% 8.33%

Growth

Metric BANC BBAR Banks Regional median
Revenue growth (TTM) (12.92%) 0.77% 6.61%
EPS growth (last fiscal year) 125.00% (39.39%) —
Revenue growth, 5-year CAGR 42.51% 18.03% 12.30%
Net income growth, 5-year CAGR 0.00% 12.05% 9.71%

Health

Metric BANC BBAR Banks Regional median
Debt to equity 0.17 0.33 0.22
Current ratio 0.89 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BANC BBAR Banks Regional median
Dividend yield 3.15% 4.90% 3.75%
Payout ratio 0.23 0.09 0.27

Size

Metric BANC BBAR Banks Regional median
Market cap 2.81b 2.76b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack