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BANC-PF
Upturn stock ratingUpturn stock rating

Banc of California Inc. (BANC-PF)

Upturn stock ratingUpturn stock rating
$25.01
Last Close (24-hour delay)
Profit since last BUY1.17%
upturn advisory
Consider higher Upturn Star rating
BUY since 61 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

08/14/2025: BANC-PF (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

0 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

Analysis of Past Performance

Type Stock
Historic Profit 11.07%
Avg. Invested days 101
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 5.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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 -

ai summary icon Upturn AI SWOT

Banc of California Inc.

stock logo

Company Overview

overview logo History and Background

Banc of California Inc. was founded in 1941 as First American Trust Company. It has grown through acquisitions and organic growth, evolving from a trust company to a full-service commercial bank focused on California.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of lending and deposit products to businesses, including commercial real estate loans, commercial and industrial loans, and small business loans.
  • Retail Banking: Offers deposit accounts, personal loans, and other banking services to individuals and families.
  • Wealth Management: Provides investment management and trust services to high-net-worth individuals and families.

leadership logo Leadership and Structure

Jared Wolff serves as the President and CEO. The company has a board of directors overseeing its operations and strategic direction. The organizational structure includes various departments such as lending, finance, operations, and compliance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is difficult to pinpoint exactly but this is a key component of Banc of California's commercial focus. Competitors include regional and national banks like Western Alliance Bancorporation, PacWest Bancorp, and Wells Fargo. No official market share can be derived.
  • Commercial and Industrial Loans: Offers loans to businesses for working capital, equipment financing, and other purposes. Competitors include Bank of America, JPMorgan Chase, and other large national banks. No official market share can be derived.
  • Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include Chase, Wells Fargo, and other regional banks. No official market share can be derived.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements. Competition is intense, with both traditional banks and fintech companies vying for market share.

Positioning

Banc of California focuses on serving businesses and individuals in California, leveraging its local knowledge and relationships. It competes with larger national banks and other regional banks.

Total Addressable Market (TAM)

The TAM for banking services in California is substantial, encompassing all businesses and individuals in the state. Banc of California is positioned to capture a portion of this market through its focus on local relationships and specialized services.

Upturn SWOT Analysis

Strengths

  • Strong local presence in California
  • Experienced management team
  • Focus on commercial banking
  • Solid balance sheet

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to national banks
  • Reliance on California economy

Opportunities

  • Expansion into new markets within California
  • Growth in wealth management services
  • Increased demand for commercial loans
  • Adoption of new technologies

Threats

  • Increased competition from larger banks and fintech companies
  • Economic downturn in California
  • Rising interest rates
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • WAFD
  • CASH
  • PACW
  • FCNCA

Competitive Landscape

Banc of California competes with larger national banks and other regional banks, relying on its local focus and specialized services to differentiate itself. Smaller scale offers agility but limits expansion and revenue generation.

Major Acquisitions

PacWest Bancorp

  • Year: 2023
  • Acquisition Price (USD millions): 1000
  • Strategic Rationale: To create a leading California focused regional bank, enhance customer reach, and achieve cost synergies. All stock deal.

Growth Trajectory and Initiatives

Historical Growth: Requires financial data pulls from a financial API, but given the history the growth has been steady within California

Future Projections: Analyst estimates for Banc of California Inc.'s future growth require real-time data from financial news and analysis services. The projection would depend on market conditions, interest rates, and company strategy.

Recent Initiatives: Banc of California Inc. has recently focused on growing its commercial lending business and expanding its presence in key California markets.

Summary

Banc of California is a regional bank with a strong presence in California. The bank benefits from a focus on commercial banking and an experienced management team. However, its limited geographic diversification and smaller scale compared to national banks pose challenges. Recent acquisitions like PacWest could potentially broaden market share and address some of the existing issues, or it could become a net negative, time will tell.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • SEC Filings
  • Company Website
  • Financial News Outlets
  • Yahoo Finance

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary based on the source. Financial data should be verified with official company reports.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1903

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.