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Upturn AI SWOT - About
Banc of California Inc. (BANC-PF)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/27/2025: 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.
Number of Analysts
0 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Year Target Price $0
Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.4% | Avg. Invested days 90 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
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 - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | 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 Bank and Trust. It has grown through acquisitions and organic expansion, focusing on serving California businesses and communities. The company has gone through several name changes, eventually becoming Banc of California in 2010.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Offers deposit accounts, personal loans, and other banking services to individuals and families.
- Wealth Management: Provides wealth management and investment advisory services to high-net-worth individuals and families.
Leadership and Structure
Jared Wolff is the President and CEO. The company has a board of directors that oversees the strategic direction and governance of the bank.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not readily available. Competitors include regional and national banks like Wells Fargo, US Bancorp, and other regional players.
- SBA Loans: Offers Small Business Administration (SBA) loans to small businesses. Market share data is not readily available. Competitors include Live Oak Bank, Celtic Bank, and other banks specializing in SBA lending.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is not readily available. Competitors include Bank of America, Chase, and other national and regional banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Banks are focusing on digital transformation and enhanced customer experience.
Positioning
Banc of California is a regional bank focused on serving California businesses and communities. Its competitive advantages include local market knowledge and personalized service.
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 is positioned to capture a portion of this market through its focus on local businesses and communities.
Upturn SWOT Analysis
Strengths
- Strong presence in California market
- Experienced management team
- Focus on relationship banking
- Expanding digital banking capabilities
Weaknesses
- Geographic concentration
- Smaller size compared to national banks
- Dependence on economic conditions in California
Opportunities
- Expanding into new markets within California
- Acquiring smaller banks
- Growing wealth management business
- Increased adoption of digital banking solutions
Threats
- Competition from larger banks
- Economic downturn in California
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- USB
- CMA
- FCNCA
Competitive Landscape
Banc of California faces competition from larger national banks and other regional banks. Its advantages include local market knowledge and personalized service, while its disadvantages include smaller size and geographic concentration.
Major Acquisitions
PacWest Bancorp
- Year: 2023
- Acquisition Price (USD millions): 1000
- Strategic Rationale: Expansion of market share and scale in California, increased deposit base, and cost synergies.
Growth Trajectory and Initiatives
Historical Growth: Unable to provide live historical growth data. Accessing this requires real-time financial data plugins.
Future Projections: Unable to provide live future projection data. Accessing this requires real-time financial data plugins.
Recent Initiatives: Recent initiatives include enhancing digital banking platforms, expanding into new markets within California, and focusing on sustainable lending practices.
Summary
Banc of California is a regional bank focused on the California market. Its strengths lie in its local knowledge and personalized service, but it faces challenges from larger competitors and economic fluctuations. Recent acquisitions have increased its scale, but integration and risk management are crucial for future success. The company should continue to invest in digital transformation and diversification to improve its competitive position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Analysis Reports
- Financial News Articles
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change. Consult a financial professional before making 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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