Banc of California Inc. (BANC)
NYSE:BANC
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BANC Stock Chart & Stats
$18.90
-$0.11(-0.70%)
At close: 4:00 PM EST
$18.90
-$0.11(-0.70%)
Day’s Range― - ―
52-Week Range$12.98 - $21.61
Previous CloseN/A
Volume382.06K
Average Volume (3M)2.78M
Market Cap
$2.99B
Enterprise Value$6.21B
Total Cash (Recent Filing)$7.23B
Total Debt (Recent Filing)$3.02B
Price to Earnings (P/E)9.5
Beta1.00
Next Earnings
Jul 28, 2026EPS Estimate
0.4Next Dividend Ex-DateN/A
Dividend Yield2.03%
Share Statistics
EPS (TTM)0.39
Shares Outstanding153,778,370
10 Day Avg. Volume2,821,408
30 Day Avg. Volume2,781,383
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)0.85
Price to Sales (P/S)1.66
P/FCF Ratio12.77
Enterprise Value/Market Cap2.07
Enterprise Value/Revenue3.43
Enterprise Value/Gross Profit5.84
Enterprise Value/Ebitda15.62
Forecast
1Y Price Target
$22.17Price Target Upside17.28% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)1.71
Revenue Forecast (FY)$1.21B
Bulls Say, Bears Say
Bulls Say
Net Interest Margin ExpansionSustained NIM expansion driven by deposit cost discipline and repricing creates a durable earnings lever. With deposit beta controlled and stable funding, incremental NIM gains compound across the loan book, supporting recurring net interest income and structural ROA improvement over multiple quarters.
Robust Loan Production And Embedded RepricingHigh-yield new production plus a sizable pool of loans maturing/repricing provides a persistent income tailwind. As loans roll into higher yields, net interest income growth is structural, less reliant on one quarter's activity, and supports mid‑single digit loan growth targets over the coming 2–3 years.
Strengthened Capital And Active Capital DeploymentImproved capital metrics plus buybacks, dividend increase and planned debt redemption enhance capital flexibility and reduce structural funding costs. This disciplined capital deployment signals management confidence and supports sustainable shareholder returns while retaining buffers for credit or growth needs.
Bears Say
Concentrated Real Estate Credit MigrationConcentration in specific CRE relationships creates idiosyncratic loss risk that can persist through property cycles. Even if currently managed, clustered exposures increase downside tail risk for reserves and earnings if local market stress or tenant/valuation deterioration broadens beyond the isolated credits.
Reliance On Brokered Funding And Deposit SensitivityElevated brokered deposit usage and periodic deposit volatility make funding costs more sensitive to market conditions. Over time this can amplify NIM pressure when rates or liquidity tighten, forcing costlier funding or curtailed lending unless deposit stability is materially improved.
Historic Earnings And Cash‑flow VolatilityLarge swings in profits and leverage reduce predictability of free cash flow and limit consistent capital returns. Persistent variability heightens the chance that adverse credit or rate events will necessitate higher provisions or capital conservation, constraining long‑term strategic flexibility.
Banc of California News
BANC FAQ
What was Banc of California Inc.’s price range in the past 12 months?
Banc of California Inc. lowest stock price was $12.98 and its highest was $21.61 in the past 12 months.
What is Banc of California Inc.’s market cap?
Banc of California Inc.’s market cap is $2.99B.
When is Banc of California Inc.’s upcoming earnings report date?
Banc of California Inc.’s upcoming earnings report date is Jul 28, 2026 which is in 90 days.
How were Banc of California Inc.’s earnings last quarter?
Banc of California Inc. released its earnings results on Apr 22, 2026. The company reported $0.39 earnings per share for the quarter, beating the consensus estimate of $0.378 by $0.012.
Is Banc of California Inc. overvalued?
According to Wall Street analysts Banc of California Inc.’s price is currently Undervalued.
Does Banc of California Inc. pay dividends?
Banc of California Inc. pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 2.03%. See more information on Banc of California Inc. dividends here
What is Banc of California Inc.’s EPS estimate?
Banc of California Inc.’s EPS estimate is 0.4.
How many shares outstanding does Banc of California Inc. have?
Banc of California Inc. has 153,778,370 shares outstanding.
What happened to Banc of California Inc.’s price movement after its last earnings report?
Banc of California Inc. reported an EPS of $0.39 in its last earnings report, beating expectations of $0.378. Following the earnings report the stock price went up 2.773%.
Which hedge fund is a major shareholder of Banc of California Inc.?
Currently, no hedge funds are holding shares in BANC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Banc of California Stock Smart Score
Outperform
1
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10
Analyst Consensus
Strong Buy
Average Price Target:
$22.17 (17.28% Upside)
$22.17 (17.28% Upside)
Hedge Fund Trend
Decreased
By 316.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $407.6M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 4.0%
Last 30 Days ▲ 3.1%
Last 30 Days ▲ 3.1%
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
22.73%
12-Months-Change
Fundamentals
Return on Equity
7.07%
Trailing 12-Months
Asset Growth
2.80%
Trailing 12-Months
Company Description
Banc of California Inc.
Banc of California, Inc. operates as the bank holding company for Banc of California, National Association that provides banking products and services in the United States. The company offers deposit products, including checking, savings, money market, retirement, and interest-bearing and noninterest-bearing demand accounts, as well as certificate of deposits. It also provides various commercial and consumer loan products, such as commercial and industrial loans; commercial real estate and multifamily loans; construction loans; single family residential mortgage loans; warehouse and indirect/direct leveraged lending; home equity lines of credit; small business administration loans; and other consumer loans. In addition, the company offers automated bill payment, cash and treasury management, foreign exchange, card payment, remote and mobile deposit capture, automated clearing house origination, wire transfer, direct deposit, and internet banking services; and master demand accounts, interest rate swaps, and safe deposit boxes. Further, it invests in collateralized loan obligations, agency securities, municipal bonds, agency residential mortgage-backed securities, and corporate debt securities. As of December 31, 2020, the company operated 29 full-service branches in Southern California. The company was formerly known as First PacTrust Bancorp, Inc. and changed its name to Banc of California, Inc. in July 2013. Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana, California.
BANC Company Deck
BANC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a predominantly positive performance narrative: strong earnings momentum (EPS +50%), NIM expansion, robust production and constructive deposit mix shifts, supported by disciplined expense and capital actions (buybacks, dividend increase, planned subordinated debt redemption). Management acknowledged a few concentrated credit migrations and modest net charge-offs but emphasized proactive credit management, solid reserve coverage (ACL 1.12%, economic coverage ~1.6%), and defined resolution paths. Given multiple visible earnings levers (portfolio remixing, deposit mix improvement, embedded repricing, potential regulatory capital relief) and conservative reserve posture, the positives materially outweigh the limited, idiosyncratic credit and deposit risks discussed.View all BANC earnings summariesBANC Stock 12 Month Forecast
Average Price Target
$22.17
▲(17.28% Upside)
Technical Analysis
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Ownership Overview
4.77% Insiders
23.87% Mutual Funds
1.60% Other Institutional Investors
44.24% Public Companies and
Individual Investors