BANC
Banc of California, Inc.
Financial Services · Banks - Regional · NYQ
$19.01
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$2.9B
Trailing P/E
14.62
Forward P/E
9.22
Rev Growth
+8.0%
Profit Margin
23.1%
ROE
7.0%
Analyst Target
$23.00
Recommendation
NONE
About Banc of California, Inc.

Banc of California, Inc. operates as the bank holding company for Banc of California that provides banking and treasury management services in the United States. The company offers deposit products, including checking, savings, money market, demand, and retirement accounts, as well as time deposits, certificates of deposit, and safe deposit boxes. It also provides real estate loans, such as commercial real estate mortgage, multi-family, other residential real estate mortgage, and real estate construction and land loans; commercial loans and leases comprising lender finance, equipment finance, other asset-based, venture capital, secured business, warehouse, and other lending loans; and consumer loans. In addition, the company offers electronic payment services for commercial clients, such as merchant acquiring and card issuing services; automated bill payments, cash and treasury management, master demand accounts, foreign exchange, interest rate swaps, card payment services, remote and mobile deposit capture, automated clearing house origination, wire transfer, and direct deposit; and investment management services. It serves small and middle-market businesses, venture capital and private equity firms, non-profit organizations, business owners, entrepreneurs, professionals, and high-net worth individuals. The company offers its products and services through branches located throughout California; Denver, Colorado; and Durham, North Carolina, as well as through regional offices in the United States. Banc of California, Inc. was founded in 1941 and is headquartered in Los Angeles, California.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 78.5
Score Quality: 59.2
Score Combined: 54.9

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality60.6
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 52.4 · Rank: #1324
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$4.8B
Price/Book
0.96
Beta
0.977
Analysts
11
Total Revenue (TTM)
$1.1B
Total Debt
$3.6B
Earnings Growth
+49.7%
Dividend Yield
252.0%
Short Ratio
3.53
Short % Float
0.1%
Employees
1,904

Elite Intelligence

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Trade Consideration
The Opportunity
Score 54.9 (P85 — top 14.8% of scored tickers). Unknown Moat. Ethical FAIL. 11 analysts at None.
Price: $19.01 | Target: $22.68 (+19%)
Score
55
Moat
Unknown
Conviction
Standard
Upside
+19%
The Fundamentals
Revenue Growth+8.0%
Profit Margin23.1%
ROE7.0%
Forward P/E9.2
Market Cap$2.9B
Position Sizing Scenarios
Stop: $16.16 (-15%) | Entry: $19.01
SharesCostProfit to TargetR:R
To Consensus ($22.68, 11 analysts)
10$190.10+$36.70 (19%)1.3R
50$950.50+$183.50 (19%)1.3R
100$1,901.00+$367.00 (19%)1.3R
Risk Factors
  • Elevated short interest (3.53 days to cover)
The Verdict
Banc of California, Inc. holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
60.6
Risk Grade
LOW_RISK
Layers
7
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-3.5%
worst expected daily loss, 19 in 20 days
CVaR 95%
-5.3%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
0.83
above 1.0 is good
Max Drawdown
-31.2%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
80
Liquidity Grade
HIGHLY LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
UPPER_HALF
Beta
Relative Volume
1.1x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
TickerCorrelation
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Thursday
Best Month
Nov
Worst Month
Feb
Fri-Mon Effect
-0.2116582525153695
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+0.3%
3M Return
-3.6%
6M Return
+7.6%
12M Return
+38.7%
Momentum Rank
#2094
Momentum Signal
FLAT

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