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Upturn AI SWOT - About
BANC 
Banc of California, Inc. (BANC)
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Upturn Advisory Summary
06/27/2025: BANC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $17
1 Year Target Price $17
| 4 | Strong Buy |
| 4 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.4% | Avg. Invested days 52 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.21B USD | Price to earnings Ratio 21.32 | 1Y Target Price 17 |
Price to earnings Ratio 21.32 | 1Y Target Price 17 | ||
Volume (30-day avg) 11 | Beta 1.43 | 52 Weeks Range 11.44 - 17.71 | Updated Date 06/30/2025 |
52 Weeks Range 11.44 - 17.71 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.84% | Basic EPS (TTM) 0.66 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.52% | Operating Margin (TTM) 34.09% |
Management Effectiveness
Return on Assets (TTM) 0.43% | Return on Equity (TTM) 4.33% |
Valuation
Trailing PE 21.32 | Forward PE 12.02 | Enterprise Value 3118606336 | Price to Sales(TTM) 2.3 |
Enterprise Value 3118606336 | Price to Sales(TTM) 2.3 | ||
Enterprise Value to Revenue 5.37 | Enterprise Value to EBITDA - | Shares Outstanding 147140000 | Shares Floating 129693453 |
Shares Outstanding 147140000 | Shares Floating 129693453 | ||
Percent Insiders 1 | Percent Institutions 110.88 |
Analyst Ratings
Rating 4 | Target Price 17 | Buy 4 | Strong Buy 4 |
Buy 4 | Strong Buy 4 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Banc of California, Inc.
Company Overview
History and Background
Banc of California, Inc. was founded in 1941 as First American Savings & Loan. It has grown through acquisitions and organic expansion to become a regional bank serving California.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate lending, equipment financing, and working capital solutions.
- Retail Banking: Offers deposit accounts, mortgages, and other consumer lending products to individuals and families.
- Wealth Management: Provides wealth management and investment services to high-net-worth individuals and families.
Leadership and Structure
Jared Wolff serves as the President and CEO. The bank operates under a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: CRE loans are a significant part of Banc of California's portfolio. Market share data is not publicly available, but competitors include regional and national banks like Wells Fargo (WFC) and US Bancorp (USB).
- Small Business Loans: Banc of California offers various SBA loan products. Market share data is limited, with competition from Bank of America (BAC) and JPMorgan Chase (JPM).
- Mortgages: The bank also offers mortgages to consumers, but the market share is limited compared to large players.
Market Dynamics
Industry Overview
The banking industry is currently facing interest rate volatility, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Banc of California is a regional bank focused on the California market, positioning itself as a relationship-focused lender.
Total Addressable Market (TAM)
The TAM for banking services in California is substantial, estimated at hundreds of billions of dollars. Banc of California's positioning allows it to capture a portion of this market, but its regional focus limits its reach compared to national players.
Upturn SWOT Analysis
Strengths
- Strong presence in California
- Experienced management team
- Focus on relationship banking
- Recent acquisition of PacWest
Weaknesses
- Geographic concentration
- Higher cost of funds than larger banks
- Dependence on commercial real estate lending
- Integration risk from PacWest acquisition
Opportunities
- Expansion into new markets within California
- Increased demand for digital banking services
- Growing wealth management business
- Further Consolidation in the banking industry
Threats
- Economic downturn in California
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- PACW
- CUBI
Competitive Landscape
Banc of California competes with larger national banks and smaller regional banks. Its advantage lies in its local expertise and relationship-focused approach, which can be challenged by larger banks' resources.
Major Acquisitions
PacWest Bancorp
- Year: 2023
- Acquisition Price (USD millions): Estimated $5.4 Billion in combined entity value
- Strategic Rationale: Addresses Banc of California's weaknesses in technology, while strengthening the company's customer base with a greater presence within California.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by acquisitions and organic expansion in California.
Future Projections: Analyst projections vary, but expect single-digit revenue growth.
Recent Initiatives: Acquisition of PacWest is a major strategic move.
Summary
Banc of California is a regional bank with a strong presence in California. The PacWest acquisition presents significant opportunities for growth and expansion. However, the bank faces challenges from larger competitors and the integration of PacWest. Additionally, it will need to manage the impacts of the ongoing economic environment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Third Party Market Research
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share percentages are approximations.
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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