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$13.24 - $21.61
Previous CloseN/A
Volume382.06K
Average Volume (3M)2.78M
Market Cap
$3.01B
Enterprise Value$6.22B
Total Cash (Recent Filing)$253.92M
Total Debt (Recent Filing)$3.51B
Price to Earnings (P/E)12.3
Beta0.99
Next Earnings
Jul 28, 2026EPS Estimate
0.4Next Dividend Ex-DateN/A
Dividend Yield2.03%
Share Statistics
EPS (TTM)1.32
Shares Outstanding153,724,800
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 Cap2.06
Enterprise Value/Revenue3.42
Enterprise Value/Gross Profit5.72
Enterprise Value/Ebitda15.78
Forecast
1Y Price Target
$22.17Price Target Upside17.28% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)1.69
Revenue Forecast (FY)$1.20B
Bulls Say, Bears Say
Bulls Say
Improving Margins / NIMRecovery to a ~13.6% net margin and expanding NIM reflects durable earning power driven by higher-yielding new loan production, embedded repricing and deposit cost discipline. These structural drivers support sustainable net interest income and operating leverage over coming quarters.
Cash Generation & Earnings QualityImproving operating cash flow and FCF roughly in line with reported earnings (FCF/NI ~0.93) signal credible earnings quality and internal funding. Strong cash conversion reduces reliance on external financing, supports dividends/buybacks and provides a durable buffer for reserves and capital deployment.
Capital Flexibility & Active Capital ReturnsManagement is deploying capital via buybacks and a higher dividend while planning a $385M subordinated debt redemption, supported by CET1 around 10.18%. Executing liability reduction and returns demonstrates balance-sheet optionality and signals confidence in the bank's medium-term capital trajectory.
Bears Say
Elevated LeverageDebt-to-equity near 1.0 represents moderate-to-elevated leverage for a regional bank, reducing loss-absorption capacity and making capital ratios more sensitive to earnings or credit shocks. Higher leverage constrains strategic flexibility and raises the bar for reserve and capital management over the medium term.
Concentrated Credit MigrationIdiosyncratic stress tied to a small set of real‑estate relationships (LIHTC and two multifamily loans) highlights concentration risk. Such exposures can produce outsized charge-offs or restructurings, force higher provisioning and limit lending appetite, increasing asset-quality volatility over months.
Deposit Volatility / Brokered Funding RelianceReliance on brokered deposits (~9.3%) and recent deposit declines point to funding fragility and higher funding-cost sensitivity. Sustaining low deposit betas may be challenging; dependence on wholesale sources elevates liquidity and NIM risk if market access tightens or depositor behavior shifts over the medium term.
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 $13.24 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 $3.01B.
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 48 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 $0.12 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 153,724,800 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
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$22.17 (17.28% Upside)
$22.17 (17.28% Upside)
Hedge Fund Trend
Decreased
By 313.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $478.3K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 4.3%
Last 30 Days ▼ 4.3%
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. is a financial holding company that, through its subsidiary Banc of California, National Association, delivers a full spectrum of banking products and services across the United States. The company's offerings encompass a variety of deposit solutions, including checking, savings, money market, and retirement accounts, alongside both interest-bearing and non-interest-bearing demand accounts, and certificates of deposit. Banc of California also provides diverse commercial and consumer lending options. Its commercial credit facilities include commercial and industrial loans, financing for commercial real estate and multifamily properties, construction loans, warehouse lending, and Small Business Administration (SBA) loans. For individual clients, available products feature single-family residential mortgages, home equity lines of credit (HELOCs), indirect/direct leveraged lending, and various other consumer loan types. In addition to core banking, the institution offers a range of supplementary financial services such as automated bill payment, comprehensive cash and treasury management, foreign exchange, various card payment solutions, remote and mobile deposit capture, automated clearing house (ACH) origination, wire transfers, direct deposit, and internet banking. Further services extend to master demand accounts, interest rate swaps, and secure safe deposit boxes. The company strategically invests in a diverse portfolio, including collateralized loan obligations (CLOs), agency securities, municipal bonds, agency residential mortgage-backed securities (RMBS), and corporate debt instruments. As of December 31, 2020, Banc of California maintained a physical presence with 29 full-service branches located throughout Southern California. Established in 1941 and headquartered in Santa Ana, California, the company rebranded to Banc of California, Inc. in July 2013, having previously been known as First PacTrust Bancorp, Inc.
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
23.76% Mutual Funds
25.72% Other Institutional Investors
19.52% Public Companies and
Individual Investors