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BANC stock logo

BANC

Banc of California, Inc.

$18.74
-0.09
 (-0.45%)
Exchange:  NYSE
Market Cap:  2.88B
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:  1904
Address: 
11611 San Vicente Boulevard
Los Angeles
CA
90049
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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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)1,313,306.026Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)1,446,918.901Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)1,377,555.457Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)124,814.498Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)137,512.851Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)130,920.661Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)385,735.288Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)433,400.075Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)409,192.970Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)367,114.693Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)404,464.137Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)385,074.642Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)2.570Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)2.710Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)2.410Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.895B  ?P/S
 (TTM)
: 
1.61
?Net Income
 (TTM)
: 
126.888M  ?P/E
 (TTM)
: 
-45.46
?Enterprise Value
 (TTM)
: 
3.081B  ?EV/FCF
 (TTM)
: 
8.32
?Dividend Yield
 (TTM)
: 
2.36%  ?Payout Ratio
 (TTM)
: 
-507.1%
?ROE
 (TTM)
: 
-0.62%  ?ROIC
 (TTM)
: 
-0.23%
?Net Debt
 (TTM)
: 
2.266B  ?Debt/Equity
 (TTM)
: 
0.95
?P/B
 (TTM)
: 
0.91  ?Current Ratio
 (TTM)
: 
0.27

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Forward P/E Ratios

?

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

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
10.96Research AccessResearch AccessResearch AccessResearch 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

-0.45
MARKETSnap

Trading Metrics:

Open: 18.69   Previous Close: 18.82
Day Low: 18.5   Day High: 18.81
Year Low: 15.33   Year High: 21.93
Price Avg 50: 20.03   Price Avg 200: 19.16
Volume: 393174   Average Volume: 3.021M

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See in Nexus

Relevant news

BlackRock Inc. Makes New $462.25 Million Investment in Banc of California, Inc. $BANC
25-08-2026 03:55
BlackRock Inc. Makes New $462.25 Million Investment in Banc of California, Inc. $BANC
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Banc of California, Inc. - BANC
13-08-2026 10:00
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Banc of California, Inc. - BANC
Banc of California, Inc. Announces Quarterly Dividends
08-05-2026 06:05
Banc of California, Inc. Announces Quarterly Dividends
Banc of California: Reactionary Selloff Creates Buying Opportunity
04-08-2026 09:17
Banc of California: Reactionary Selloff Creates Buying Opportunity
Banc of California, Inc. Reports Second Quarter 2026 Financial Results and Announces Strategic Balance Sheet Repositioning to Enhance Long-Term Earnings
29-07-2026 06:30
Banc of California, Inc. Reports Second Quarter 2026 Financial Results and Announces Strategic Balance Sheet Repositioning to Enhance Long-Term Earnings
Banc of California Announces Schedule of Second Quarter 2026 Earnings Release and Conference Call
21-07-2026 06:05
Banc of California Announces Schedule of Second Quarter 2026 Earnings Release and Conference Call

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