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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$13.96 - $21.61
Previous CloseN/A
Volume382.06K
Average Volume (3M)2.58M
Market Cap
$3.27B
Enterprise Value$6.58K
Total Cash (Recent Filing)$253.92M
Total Debt (Recent Filing)$3.51B
Price to Earnings (P/E)15.8
Beta0.96
Next Earnings
Jul 29, 2026EPS Estimate
0.4Next Dividend Ex-DateN/A
Dividend Yield2.11%
Share Statistics
EPS (TTM)1.32
Shares Outstanding153,724,800
10 Day Avg. Volume2,011,166
30 Day Avg. Volume2,575,109
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)0.85
Price to Sales (P/S)1.66
P/FCF Ratio12.77
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$22.86Price Target Upside20.94% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)1.69
Revenue Forecast (FY)$1.20B
Bulls Say, Bears Say
Bulls Say
Profitability And Cash Generation RecoveryThe firm recovered from 2023 losses to deliver sustained profitability and strong margins (~13.6% TTM) with free cash flow roughly equal to net income (FCF/NI ~0.93). That alignment indicates earnings quality and durable cash conversion supporting reinvestment, capital returns, and resilience over months.
Embedded Repricing And Strong New Loan ProductionHigh-yielding new production and a large volume of loans maturing/repricing create a structural, multi-quarter tailwind to net interest income as coupons reset higher than legacy yields. Persistent production activity ($2.1B) provides a durable earnings lever independent of short-term rate noise.
Strengthening Capital And Active Capital ManagementConservative capital posture alongside buybacks, a dividend increase and planned subordinated debt redemption demonstrates balance-sheet discipline and optionality. CET1 at 10.18% plus potential regulatory relief provides room for continued capital returns and strategic investments over the coming months.
Bears Say
Elevated Leverage Relative To PeersDebt roughly equal to equity (debt-to-equity ~1.0) leaves less buffer than lower-levered peers, increasing sensitivity to credit stress or funding shocks. Given the bank's prior 2023 stress, elevated leverage constrains flexibility for lending growth, reserves, or aggressive capital returns over the medium term.
Concentrated Credit Migration And Idiosyncratic Charge-offsConcentration in specific CRE relationships and recent idiosyncratic charge-offs highlight portfolio vulnerability to localized stress. Such clustered migrations can impair earnings and require higher reserves, raising the base level of credit risk and limiting predictable loan growth over the coming quarters.
Deposit Volatility And Reliance On Brokered FundingA meaningful share of funding via brokered deposits (~9.3%) and quarter-to-quarter deposit declines indicate deposit volatility and potential cost sensitivity. Reliance on opportunistic brokered funding can raise funding costs and reduce stability under stressed market conditions, impacting net interest margin durability.
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 $13.96 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 $3.27B.
When is Banc of California Inc.’s upcoming earnings report date?
Banc of California Inc.’s upcoming earnings report date is Jul 29, 2026 which is in 8 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 2.11%. 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 2.774%.
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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10
Analyst Consensus
Strong Buy
Average Price Target:
$22.86 (20.94% Upside)
$22.86 (20.94% Upside)
Blogger Sentiment
Bullish
BANC Sentiment 70%
Sector Average 63%
Sector Average 63%
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
Neutral
Last 7 Days ▼ 1.4%
Last 30 Days ▲ 2.1%
Last 30 Days ▲ 2.1%
Technicals
SMA
Positive
20 days / 200 days
Momentum
47.33%
12-Months-Change
Fundamentals
Return on Equity
2.11%
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 Stock 12 Month Forecast
Average Price Target
$22.86
▲(20.94% Upside)
Technical Analysis
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Ownership Overview
4.78% Insiders
24.68% Mutual Funds
1.50% Other Institutional Investors
43.20% Public Companies and
Individual Investors