Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Banc of California Inc. (BANC-PF)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: 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 14.81% | Avg. Invested days 108 | 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 09/17/2025 |
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. was founded in 1941 as First American Bank. Through various acquisitions and rebrandings, it evolved into Banc of California. Key milestones include significant expansion in California and a focus on serving diverse communities.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, business lines of credit, and treasury management services.
- Retail Banking: Offers deposit accounts, personal loans, and other financial services to individual customers.
- Wealth Management: Provides investment management and financial planning services to high-net-worth individuals and families.
Leadership and Structure
Jared Wolff serves as the President and CEO. The company operates with a board of directors overseeing strategic direction and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share is competitive within California's CRE lending market, competitors include regional and national banks such as U.S. Bancorp (USB) and Wells Fargo (WFC). Revenue varies, with the market reacting to rising or falling interest rates.
- Small Business Lending: Offers loans and lines of credit to small businesses. Competitors include regional and national banks, as well as online lenders like Kabbage and BlueVine. The bank's market share is centered in California.
- Deposit Accounts: Provides checking, savings, and money market accounts for individuals and businesses. Competitors include all major banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and technological disruption. Regional banks face competition from larger national banks and fintech companies.
Positioning
Banc of California focuses on serving California-based businesses and individuals. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in California is substantial, estimated to be hundreds of billions of dollars. Banc of California holds a small, but focused position within this TAM, leveraging its regional expertise.
Upturn SWOT Analysis
Strengths
- Strong presence in California
- Experienced management team
- Focus on relationship banking
- Solid capital base
Weaknesses
- Concentrated geographic footprint
- Smaller size compared to national banks
- Reliance on commercial real estate lending
- Higher cost structure than some peers
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking technologies
- Acquisitions of smaller banks or branches
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in California
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- WFC
- CMA
- PacWest Bancorp (PACW)
Competitive Landscape
Banc of California competes with larger national banks and smaller regional banks. Its advantages include local market knowledge and personalized service. Disadvantages include a smaller size and more concentrated geographic footprint.
Major Acquisitions
PacWest Bancorp
- Year: 2023
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquisition will expand BANC's footprint and create a stronger regional bank.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been moderate, with expansion driven by acquisitions and organic growth in California. Placeholder data below.
Future Projections: Future growth is projected to be driven by expansion into new markets and increased adoption of digital banking technologies. Analyst estimates vary. Placeholder data below.
Recent Initiatives: Recent strategic initiatives include investments in digital banking and expansion of wealth management services.
Summary
Banc of California is a regional bank with a strong presence in California. Its strengths include its local market knowledge and focus on relationship banking. Challenges include increased competition and a concentrated geographic footprint. The acquisition of PacWest Bancorp will likely improve its competitive position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.