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Company Analysis

Banc of California, Inc. BANC

A comprehensive view of key metrics, scores, and financial health for Banc of California, Inc.

Overview of Banc of California, Inc.

BANC NYQ
Financial Services Banks - Regional Mid Cap
Banc of California, Inc. (BANC), is a Mid Cap company, in the Banks - Regional industry, last closed at $16.78, about 14.4% undervalued vs fair value, +18.2% 1Y return, ranked 463/1004 in sector.
$16.78
-0.12%
As of March 13, 2026
Previous close • Vol 90d: 30.8%
52-Week Range
Market Cap
$2.61B
Enterprise Value
$3.32B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://bancofcal.com
HQ Los Angeles, CA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$19
$36
Current: $16.78 +14% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.8B
-8%%
Interest Expense
$699.3M
Net Interest Income
$926.0M
23.9%%
Total Revenue
$1.8B
83.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
2.9%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$110.8M
127.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Banc of California, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
15
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
14
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BANC's balance between Growth (58.8%), Profitability (23.3%), and Safety (17.9%). Growth 59% Safety 18% Profitability 23%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

51th percentile vs peers
51
Key Signals
Rev Growth YoY 83.7% 73p Asset Growth YoY 3.7% 49p Revenue CAGR 3Y 10.5% 23p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

20th percentile vs peers
20
Key Signals
Strengths
Risks
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Safety

15th percentile vs peers
16
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Banc of California, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$19.19
- - -
+14.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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