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Upturn AI SWOT - About
BANC 
Banc of California, Inc. (BANC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: BANC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $17.77
1 Year Target Price $17.77
| 4 | Strong Buy |
| 4 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.39% | Avg. Invested days 61 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.65B USD | Price to earnings Ratio 25.89 | 1Y Target Price 17.77 |
Price to earnings Ratio 25.89 | 1Y Target Price 17.77 | ||
Volume (30-day avg) 11 | Beta 1.43 | 52 Weeks Range 11.44 - 17.71 | Updated Date 08/28/2025 |
52 Weeks Range 11.44 - 17.71 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.39% | Basic EPS (TTM) 0.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.55% | Operating Margin (TTM) 27.57% |
Management Effectiveness
Return on Assets (TTM) 0.43% | Return on Equity (TTM) 4.32% |
Valuation
Trailing PE 25.89 | Forward PE 12.02 | Enterprise Value 3810527744 | Price to Sales(TTM) 2.79 |
Enterprise Value 3810527744 | Price to Sales(TTM) 2.79 | ||
Enterprise Value to Revenue 5.99 | Enterprise Value to EBITDA - | Shares Outstanding 147300992 | Shares Floating 129838409 |
Shares Outstanding 147300992 | Shares Floating 129838409 | ||
Percent Insiders 0.93 | Percent Institutions 105.71 |
Upturn AI SWOT
Banc of California, Inc.
Company Overview
History and Background
Banc of California, Inc. was founded in 1941 as First American Trust Company. It has grown through acquisitions and organic expansion, focusing on serving California's diverse communities.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and personal loans to individual customers.
- Wealth Management: Offers financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is hierarchical with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial properties in California. Market share data is not publicly available for this specific product. Competitors include Wells Fargo, Bank of America, and regional banks.
- Small Business Loans: Loans to support small business growth and operations. Market share data is not publicly available for this specific product. Competitors include Chase, US Bank, and online lenders.
- Residential Mortgages: Mortgages for primary residences and investment properties. Market share data is not publicly available for this specific product. Competitors include Wells Fargo, Bank of America, and mortgage-specific companies like Rocket Mortgage.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic cycles. Consolidation is ongoing, and digital transformation is reshaping customer expectations.
Positioning
Banc of California focuses on serving California's businesses and communities, differentiating itself through local expertise and relationship-based banking.
Total Addressable Market (TAM)
The TAM for banking services in California is estimated to be in the hundreds of billions of dollars. Banc of California's is positioned to capture a portion of this TAM through its focus on local markets and commercial banking.
Upturn SWOT Analysis
Strengths
- Strong presence in California
- Relationship-focused banking model
- Experienced management team
- Diverse product portfolio
Weaknesses
- Concentration in California market
- Smaller scale compared to national banks
- Higher cost of deposits
- Limited brand recognition outside of California
Opportunities
- Expansion into new California markets
- Growth in wealth management services
- Increased digital banking adoption
- Acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in California
- Regulatory changes
Competitors and Market Share
Key Competitors
- Wells Fargo (WFC)
- Bank of America (BAC)
- U.S. Bancorp (USB)
- City National Bank (RY)
- PacWest Bancorp (PACW)
Competitive Landscape
Banc of California faces strong competition from larger national banks and regional players. Its advantage lies in its local focus and relationship banking model, but it needs to scale its operations and digital capabilities to compete effectively.
Major Acquisitions
PacWest Bancorp
- Year: 2023
- Acquisition Price (USD millions): 1000
- Strategic Rationale: Expanded Banc of California's presence and capabilities in the California market, and increased asset size.
Growth Trajectory and Initiatives
Historical Growth: Historical growth for Banc of California, Inc. requires access to a live financial data feed. Therefore, placeholder data is provided.
Future Projections: Future projections for Banc of California, Inc. requires access to a live financial data feed. Therefore, placeholder data is provided.
Recent Initiatives: Recent initiatives include expanding digital banking services and focusing on commercial lending growth.
Summary
Banc of California is a regional bank with a strong presence in California. Its relationship-based approach is working well, but faces competition from larger banks and fintech companies. The recent acquisition of PacWest Bancorp strengthens their position, but they need to manage integration risks and continue to adapt to the evolving banking landscape. The overall health of the company depends on the real estate and lending market in the state of California.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
- SEC filings
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Financial data is based on available information, some data may be delayed or unavailable.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banc of California, Inc.
Exchange NYSE | Headquaters Los Angeles, CA, United States | ||
IPO Launch date 2002-10-01 | Chairman of the Board,President & CEO Mr. Jared M. Wolff J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1903 | Website https://bancofcal.com |
Full time employees 1903 | Website https://bancofcal.com | ||
Banc of California, Inc. operates as the bank holding company for Banc of California that provides various banking products and services. The company offers deposit products, such as checking, savings, money market, demand, and time deposits; certificates of deposit; retirement accounts; and safe deposit boxes. It also provides real estate loans to professional developers and real estate investors for the acquisition, construction, refinancing, renovation, and on-going operation of commercial real estate properties; commercial real estate mortgage, residential real estate mortgage, and real estate construction and land loans; commercial loans and leases, such as equipment and lender finance, other asset-based, venture capital, secured business, warehouse, and other lending services; small business administration lending; and consumer loans comprising personal, auto, and other loans, as well as home equity and revolving lines of credit. In addition, the company offers international banking, multi-state deposit, and asset and investment management services; automated bill payments; cash and treasury management, foreign exchange, card payment, mobile deposit capture, automated clearing house origination, wire transfer, and direct deposit services; and online, mobile, remote deposit, and telephone banking 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. The company was founded in 1941 and is headquartered in Los Angeles, California.
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