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BANC stock logo

BANC

Banc of California, Inc.

$19.54
0.3
 (1.56%)
Exchange:  NYSE
Market Cap:  3.013B
Shares Outstanding:  15.87M
Delayed data
Calculate BANC Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Jared Wolff
Full Time Employees:  1903
Address: 
3 MacArthur Place
Los Angeles
CA
92707
US
Website:  https://bancofcal.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/23 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,502,2571,872,5441,810,539
Gross Profit226,385943,0881,062,842
EBITDA-2,120,052290,056397,163
Operating Income-2,211,338168,654325,575
Net Income-1,899,137126,888228,973

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets38,534,06433,542,86434,797,442
Total Liabilities35,143,29930,042,91531,256,165
Total Stockholders Equity3,390,7653,499,9493,541,277
Total Debt3,847,9212,333,7373,016,559
Cash and Cash Equivalents5,377,5762,502,2122,307,965

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow135,76877,3740
Capital Expenditure-15,219-13,0470
Free Cash Flow120,54964,3270
Net Income-1,899,137126,888228,973
Net Change in Cash3,137,354-2,875,364-2,502,212

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Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,365,705.280Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,365,705.500Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,365,705.390Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)129,794.439Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)129,794.460Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)129,794.450Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)385,531.969Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)421,402.631Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)403,467.300Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)381,762.106Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)381,762.168Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)381,762.137Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.520Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.630Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.410Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.895B  ?P/S
 (TTM)
: 
1.64
?Net Income
 (TTM)
: 
126.888M  ?P/E
 (TTM)
: 
12.11
?Enterprise Value
 (TTM)
: 
6.223B  ?EV/FCF
 (TTM)
: 
23.33
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.43
?ROE
 (TTM)
: 
0.07  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
2.266B  ?Debt/Equity
 (TTM)
: 
0.99
?P/B
 (TTM)
: 
0.84  ?Current Ratio
 (TTM)
: 
0.41

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.43Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates BANC intrinsic value between $5.61 – $24.81 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about BANC valuation

Is Banc of California, Inc. (BANC) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Banc of California, Inc. (BANC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BANC a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BANC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BANC’s P/E ratio?

You can see BANC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BANC?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BANC a good long-term investment?

Whether BANC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BANC

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.56
MARKETSnap

Trading Metrics:

Open: 19.43   Previous Close: 19.24
Day Low: 19.35   Day High: 19.92
Year Low: 13.24   Year High: 21.61
Price Avg 50: 18.6   Price Avg 200: 18.28
Volume: 1.863M   Average Volume: 2.993M

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See in Nexus

Relevant news

Why Banc of California (BANC) is a Great Dividend Stock Right Now
13-05-2026 12:47
Why Banc of California (BANC) is a Great Dividend Stock Right Now
Banc of California, Inc. Announces Quarterly Dividends
08-05-2026 06:05
Banc of California, Inc. Announces Quarterly Dividends
Why Banc of California (BANC) is a Top Dividend Stock for Your Portfolio
Banc of California (BANC) Reports Q1 Earnings: What Key Metrics Have to Say
Banc of California (BANC) Beats Q1 Earnings Estimates
Banc of California, Inc. Reports First Quarter Diluted Earnings per Share of $0.39, Up 50% Year over Year; Net Interest Margin Expands to 3.24%; Positive Operating Leverage Continues

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