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Banc of California Inc. (BANC-PF)
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Upturn Advisory Summary
12/10/2025: BANC-PF (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.
Analysis of Past Performance
Type Stock | Historic Profit 13.51% | Avg. Invested days 88 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/10/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 21.26 - 24.90 | Updated Date 06/29/2025 |
52 Weeks Range 21.26 - 24.90 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 7.94% | Basic EPS (TTM) - |
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 - | Forward PE - | Enterprise Value 4746208768 | Price to Sales(TTM) - |
Enterprise Value 4746208768 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 129693453 |
Shares Outstanding - | Shares Floating 129693453 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Banc of California Inc.
Company Overview
History and Background
Banc of California, Inc. (BOC) was founded in 1941 as Orange Countyu2019s first independent community bank. It has undergone several transformations and expansions, including strategic acquisitions and rebranding efforts. A significant period of growth and refocusing occurred in the early 2010s. The bank has primarily focused on serving businesses and individuals in California.
Core Business Areas
- Commercial Banking: Offers a range of business banking solutions including checking accounts, money market accounts, certificates of deposit, treasury management services, and commercial loans tailored for businesses of various sizes across industries.
- Residential Lending: Provides mortgage lending services, including originations for new home purchases and refinancing existing mortgages, serving individual homebuyers.
- Business Banking & Lending: Focuses on providing specialized lending solutions to various industries, including technology, venture capital, real estate, and more, along with comprehensive deposit and treasury management services.
- Wealth Management: Offers investment advisory services, retirement planning, and other wealth management solutions to individuals and businesses to help them grow and preserve their assets.
Leadership and Structure
Banc of California, Inc. is led by a Board of Directors and an executive management team. The organizational structure is typical for a regional bank, with divisions dedicated to commercial banking, consumer banking, lending, wealth management, and operations. Specific leadership roles include CEO, CFO, Chief Risk Officer, and heads of various business units.
Top Products and Market Share
Key Offerings
- Business Deposit Accounts: Comprehensive suite of checking, savings, and money market accounts designed for businesses of all sizes. Competitors include large national banks (e.g., JPMorgan Chase, Bank of America) and other regional banks (e.g., East West Bancorp, First Republic Bank).
- Commercial Loans: Tailored lending solutions including term loans, lines of credit, SBA loans, and commercial real estate financing for businesses. Key competitors are national and regional banks, as well as specialized lending institutions.
- Treasury Management Services: Services like fraud protection, payment processing, and cash flow management to optimize a business's financial operations. Competitors include major banks and fintech providers.
- Residential Mortgages: Offers a variety of mortgage products for home purchases and refinancing. Competitors range from large national lenders to smaller mortgage brokers and credit unions.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by a mix of large national institutions, regional banks, and community banks. Key trends include digital transformation, increasing regulatory scrutiny, a focus on customer experience, and evolving interest rate environments. Regional banks like Banc of California operate in a dynamic market shaped by economic conditions and local market demands.
Positioning
Banc of California positions itself as a community-focused bank with a strong presence in California, emphasizing personalized service and tailored solutions for businesses and individuals. Its competitive advantages lie in its regional expertise, strong client relationships, and specialized lending capabilities within specific California industries.
Total Addressable Market (TAM)
The TAM for regional banking services in California is substantial, encompassing deposit, lending, and wealth management needs of millions of individuals and businesses. Banc of California's positioning is focused on capturing a significant share within its target markets and specialized industry segments in California, rather than competing on a national scale.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and customer loyalty within California.
- Deep understanding of the California market and its diverse industries.
- Specialized lending expertise in key growth sectors (e.g., technology, venture capital).
- Focus on relationship banking and personalized customer service.
Weaknesses
- Smaller scale compared to national banking giants, limiting market reach and some product offerings.
- Potential reliance on the California economy, making it susceptible to regional downturns.
- Integration challenges from past acquisitions or strategic shifts.
- Digital banking capabilities may lag behind larger competitors.
Opportunities
- Expansion of digital banking services to enhance customer experience and efficiency.
- Leveraging specialized industry knowledge to attract and serve more businesses.
- Strategic partnerships or acquisitions to broaden service offerings or geographic reach.
- Growth in the California economy and its key industries presents lending and deposit opportunities.
Threats
- Intense competition from national banks, credit unions, and fintech companies.
- Rising interest rates and potential economic slowdown impacting loan demand and credit quality.
- Increasing regulatory compliance burdens and costs.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- East West Bancorp (EWBC)
- First Republic Bank (FRC) (prior to acquisition by JPM)
Competitive Landscape
Banc of California competes in a crowded banking landscape. Its advantages include deep local market knowledge and specialized industry focus, allowing it to serve niche markets effectively. However, it faces disadvantages in terms of scale, brand recognition, and technological investment compared to larger national competitors.
Major Acquisitions
PacWest Bancorp
- Year: 2023
- Acquisition Price (USD millions): 2500
- Strategic Rationale: To combine two significant California-based banks, expanding asset base, deposit franchises, and market reach, creating a larger, more diversified institution.
Growth Trajectory and Initiatives
Historical Growth: Banc of California has experienced periods of significant asset and deposit growth, often driven by strategic acquisitions and organic expansion within its core California market. Past growth has been influenced by its ability to integrate acquired entities and expand its commercial banking relationships.
Future Projections: Future growth projections for Banc of California are typically based on analyst estimates, considering factors such as loan and deposit growth targets, interest rate outlook, economic conditions in California, and the success of ongoing strategic initiatives. These projections can vary significantly.
Recent Initiatives: Recent initiatives likely include efforts to enhance digital banking platforms, expand specialized lending programs, optimize operational efficiency, and potentially pursue further strategic partnerships or acquisitions to strengthen its market position.
Summary
Banc of California Inc. is a California-focused regional bank with a strong understanding of its local market and specialized lending capabilities. Its recent merger with PacWest significantly expands its scale and market presence, creating a more formidable competitor. However, it faces challenges from larger national banks and intense competition, requiring continued focus on digital innovation and efficient operations to maintain its growth trajectory and profitability. Careful management of integration and economic headwinds will be crucial.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC)
- Financial News Outlets (e.g., Bloomberg, Reuters, Wall Street Journal)
- Financial Data Providers (e.g., Refinitiv, FactSet, Yahoo Finance)
Disclaimers:
This JSON output is generated based on publicly available information and financial data. It is intended for informational purposes only and does not constitute financial advice. Market share data is illustrative and subject to change. Specific financial figures and projections require real-time data access. Investors should conduct their own due diligence before making any investment decisions.
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 - | 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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