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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
10/15/2025: 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 $19.45
1 Year Target Price $19.45
| 4 | Strong Buy |
| 4 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.22% | Avg. Invested days 67 | 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 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.45B USD | Price to earnings Ratio 23.94 | 1Y Target Price 19.45 |
Price to earnings Ratio 23.94 | 1Y Target Price 19.45 | ||
Volume (30-day avg) 11 | Beta 1.43 | 52 Weeks Range 11.37 - 18.24 | Updated Date 10/16/2025 |
52 Weeks Range 11.37 - 18.24 | Updated Date 10/16/2025 | ||
Dividends yield (FY) 2.37% | Basic EPS (TTM) 0.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.32 | 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 23.94 | Forward PE 12.02 | Enterprise Value 3816830464 | Price to Sales(TTM) 2.58 |
Enterprise Value 3816830464 | Price to Sales(TTM) 2.58 | ||
Enterprise Value to Revenue 6 | Enterprise Value to EBITDA - | Shares Outstanding 147301051 | Shares Floating 126737451 |
Shares Outstanding 147301051 | Shares Floating 126737451 | ||
Percent Insiders 0.88 | Percent Institutions 105.38 |
Upturn AI SWOT
Banc of California, Inc.
Company Overview
History and Background
Banc of California, Inc. was founded in 1941 as Peninsula Bank. It has grown through acquisitions and organic expansion, focusing on serving California's diverse businesses and communities. Recent events include a merger with PacWest Bancorp in 2023.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate, C&I lending, and SBA loans.
- Retail Banking: Offers checking and savings accounts, mortgages, and other consumer financial services through a network of branches.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Jared Wolff is the current President and CEO. The company has a board of directors responsible for overseeing strategic direction and corporate governance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for various commercial real estate projects. Market share is difficult to ascertain precisely but is a significant portion of their loan portfolio. Competitors include major national and regional banks like Wells Fargo, Bank of America, and US Bank.
- SBA Loans: Offers Small Business Administration (SBA) loans to small businesses. Competitors include Live Oak Bank, Celtic Bank, and other community banks.
- Deposit Accounts: Provides checking, savings, and money market accounts for businesses and individuals. Competitors include Chase, Wells Fargo, and other major retail banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. The California market is particularly dynamic due to its size and diversity.
Positioning
Banc of California positions itself as a relationship-focused bank serving California's diverse businesses and communities. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in California is estimated to be in the hundreds of billions of dollars. Banc of California is positioned to capture a portion of this TAM through its branch network, online banking platform, and specialized lending products.
Upturn SWOT Analysis
Strengths
- Strong California presence
- Experienced management team
- Relationship-focused banking model
- Diverse product offerings
Weaknesses
- Geographic concentration in California
- Smaller scale compared to national banks
- Integration risks from acquisitions
- Vulnerability to California-specific economic downturns
Opportunities
- Expansion into underserved markets in California
- Increased adoption of digital banking services
- Strategic acquisitions to expand market share
- Growth in wealth management business
Threats
- Intense competition from larger banks
- Rising interest rates
- Economic recession
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- CMA
- FFWM
Competitive Landscape
Banc of California faces intense competition from larger national and regional banks. Its advantages include local market knowledge and personalized service, while its disadvantages include smaller scale and geographic concentration.
Major Acquisitions
PacWest Bancorp
- Year: 2023
- Acquisition Price (USD millions):
- Strategic Rationale: The acquisition of PacWest Bancorp enhances Banc of California's scale, diversification, and market presence in California.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and acquisitions. Recent growth has been impacted by the banking environment and the PacWest merger.
Future Projections: Future growth projections are dependent on successful integration of PacWest, economic conditions in California, and the bank's ability to expand its market share.
Recent Initiatives: Recent initiatives include the merger with PacWest Bancorp and investment in digital banking technologies.
Summary
Banc of California is a regional bank with a strong presence in California. The merger with PacWest Bancorp provides growth opportunities but also presents integration risks. The company's focus on relationship banking and local market knowledge is a key strength, but it faces intense competition from larger national banks and must navigate economic uncertainty and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
- SEC Filings
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and based on available information. Financial data may be delayed. There may be information that could have an impact on the final results that is unavailable at the time of publication.
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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