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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
09/12/2025: 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 $18.05
1 Year Target Price $18.05
| 4 | Strong Buy |
| 4 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 1.29% | Avg. Invested days 63 | 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 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.62B USD | Price to earnings Ratio 25.62 | 1Y Target Price 18.05 |
Price to earnings Ratio 25.62 | 1Y Target Price 18.05 | ||
Volume (30-day avg) 11 | Beta 1.43 | 52 Weeks Range 11.44 - 17.71 | Updated Date 09/14/2025 |
52 Weeks Range 11.44 - 17.71 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 2.38% | 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 25.62 | Forward PE 12.02 | Enterprise Value 3782165504 | Price to Sales(TTM) 2.76 |
Enterprise Value 3782165504 | Price to Sales(TTM) 2.76 | ||
Enterprise Value to Revenue 5.96 | Enterprise Value to EBITDA - | Shares Outstanding 147300992 | Shares Floating 126737451 |
Shares Outstanding 147300992 | Shares Floating 126737451 | ||
Percent Insiders 0.9 | Percent Institutions 105.67 |
Upturn AI SWOT
Banc of California, Inc.
Company Overview
History and Background
Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana, California. It has grown through acquisitions and organic expansion, focusing on serving California businesses and communities. Recent years include mergers to solidify presence in California banking.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate lending, equipment finance, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, mortgages, and other consumer banking products to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Jared Wolff serves as the President and CEO. The organizational structure includes various departments such as commercial banking, retail banking, finance, risk management, and technology, all reporting to the executive management team and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Lending: Loans secured by commercial properties. Market share data is difficult to ascertain precisely, but Banc of California competes with national and regional banks such as Wells Fargo, U.S. Bank, and other California-based banks. Revenue from this product makes up a significant portion of their commercial lending income.
- Small Business Lending: Loans and lines of credit to small businesses. Competitors include Bank of America, JPMorgan Chase, and other regional and community banks. Again, precise market share data is unavailable. Revenue from this product makes up a significant portion of their commercial lending income.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors are all other banks. Market share follows deposit size, but data is not directly comparable.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory scrutiny, and competition from fintech companies. Consolidation within the industry is also a key trend.
Positioning
Banc of California positions itself as a relationship-focused bank serving California businesses and individuals. Its competitive advantages include its local market expertise and personalized service. In 2023 Banc of California and PacWest merged, boosting its presence in the banking industry.
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 aims to increase its share of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in California
- Experienced management team
- Relationship-focused banking model
- Diversified product offerings
Weaknesses
- Smaller size compared to national banks
- Geographic concentration in California
- Exposure to interest rate risk
- Integration risks from acquisitions
Opportunities
- Expansion into new markets within California
- Increased demand for digital banking services
- Growing small business sector
- Potential for further acquisitions
Threats
- Increased competition from national banks and fintech companies
- Economic downturn in California
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- C
- BAC
Competitive Landscape
Banc of California faces competition from large national banks with greater resources and smaller community banks with local expertise. Their strength lies in serving the California market with a focus on relationship banking. The merger with PacWest will substantially change the competitive landscape.
Major Acquisitions
PacWest Bancorp
- Year: 2023
- Acquisition Price (USD millions): Not available at this time
- Strategic Rationale: The acquisition of PacWest Bancorp aimed to strengthen Banc of California's position in the California market, create synergies, and expand its customer base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would require a detailed review of past annual reports and financial statements.
Future Projections: Future projections are based on analyst estimates, which are not available at this time.
Recent Initiatives: Recent strategic initiatives include focusing on technology adoption, expansion within California, and growing specific business segments, as well as the merger with PacWest.
Summary
Banc of California is a regional bank with a strong focus on the California market. The recent merger with PacWest strengthens their competitive position, but integrating the two organizations will be a key challenge. They need to manage interest rate risk and competition from larger banks while continuing to serve their customer base effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (Unavailable for this specific analysis)
Disclaimers:
Financial data is based on publicly available information and may not be comprehensive. Market share estimates are approximate. This is not financial advice.
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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