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Banc of California, Inc. (BANC.PF) stock analysis

BANC.PFNYSENational Commercial BanksFiscal year ends December 31Also trades as BANC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026Score 7/30
$25.21−0.24 (-0.94%)

Close on Oct 30, 2026Market cap $3.98BP/E –Yield 1.59%

StockData Score

Prices as of Oct 30, 2026How the score works

Value2Growth0Performance2Health2Dividend1

Weak7 of 30 checks passed

Banc of California passes 7 of the 30 checks behind our score; 11 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
0/6
Past performance
2/6
Financial health
2/6
Dividend
1/6

What stands out

  • Earnings grew over 5 years

    Net income grew 78.7% a year on average over the last five fiscal years.

  • Well capitalized

    Equity is 9.7% of total assets; 8% or more is a comfortable cushion.

  • P/S below the industry

    Banc of California's price-to-sales of 1.86 is below the Commercial Banks median of 3.64.

  • P/B below the industry

    Banc of California's price-to-book of 0.84 is below the Commercial Banks median of 1.27.

What to watch

  • Return on equity under 15%

    Return on equity was -0.7% over the last twelve months and averaged -3.0% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 3.7% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -38.9% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -115% over the last twelve months, against a 5-year average of 78.7% a year.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Banc of California's price-to-sales of 1.86 is below the Commercial Banks median of 3.64.

  • P/B below the industry

    Banc of California's price-to-book of 0.84 is below the Commercial Banks median of 1.27.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew 3.7% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -38.9% a year over the last three fiscal years.

  • Earnings growth not accelerating

    Net income grew -115% over the last twelve months, against a 5-year average of 78.7% a year.

  • Growing slower than the industry

    Revenue grew -12.9% over the last twelve months; the Commercial Banks median is 11.4%.

  • Guidance issued

    The latest outlook (the end of the third quarter CET 1 ratio, Jul 29, 2026) was issued for the first time, so it neither adds nor takes away points.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance2/6

  • Return on equity under 15%

    Return on equity was -0.7% over the last twelve months and averaged -3.0% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -0.1%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Banc of California's return on equity of -0.7% is below the Commercial Banks median of 11.2%.

  • Earnings grew over 5 years

    Net income grew 78.7% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was -1.4% over the last twelve months, against a 5-year average of -6.9%.

  • Net margin below the industry

    Banc of California's net margin of -1.4% is below the Commercial Banks median of 30.0%.

Financial health2/6

  • Well capitalized

    Equity is 9.7% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • High cost base

    Non-interest expense takes 83.4% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 2.2% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend1/6

  • Pays a dividend

    Banc of California paid dividends worth 2.5% of the share price over the last twelve months.

  • Yield below Treasuries

    The 2.5% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 4.0% or more; Banc of California yields 2.5%.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Banc of California. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Commercial Banks median 12.3

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$40.30M
Value traded per 1% price move
$39.34M

Downside

Medium risk

Typical loss in a bad month
16.6%
Volatility (annualized)
29%
Sharpe ratio, 1 year
0.11
Beta to the S&P 500 (5Y)
0.96

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

12.6%−317.5 pts over 5 years