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Upturn AI SWOT - About
Banc of California Inc. (BANC-PF)
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Upturn Advisory Summary
11/05/2025: BANC-PF (1-star) is currently NOT-A-BUY. Pass it for now.
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 13.18% | Avg. Invested days 114 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
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 Savings and Loan Association. It has grown through organic expansion and acquisitions, focusing on serving California's diverse communities and businesses. Notable milestones include its IPO and subsequent mergers to increase its market presence.
Core Business Areas
- Commercial Banking: Offers lending, treasury management, and deposit services to businesses of various sizes.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
- Real Estate Banking: Finances commercial real estate projects and offers related services.
Leadership and Structure
Jared Wolff serves as the President and CEO. The organizational structure includes various departments led by executive officers, reporting to the CEO and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers a variety of commercial loan products, catering to diverse business needs, but market share data is difficult to determine and varies by loan type and geographic region. Competitors include larger national banks like Wells Fargo and Bank of America, as well as other regional banks.
- Mortgage Lending: Provides residential mortgage loans to individuals. Market share data is publicly available through HMDA data, but precise figures are difficult to compile without access to proprietary databases. Competitors include Rocket Mortgage, PennyMac, and other regional and national lenders.
- Treasury Management Services: Offers services to businesses to optimize their cash flow. Market share information is not readily available. Competitors include larger banks like JP Morgan Chase and Citigroup, which have larger treasury management divisions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological advancements. Digital banking and fintech are reshaping customer expectations and competitive dynamics.
Positioning
Banc of California is positioned as a regional bank focusing on serving California businesses and communities. Its competitive advantage lies in its local market knowledge and customer relationships. The recent merger with Pacific Western Bancorp strengthens their competitive position.
Total Addressable Market (TAM)
The total addressable market for banking services in California is estimated to be in the hundreds of billions of dollars. Banc of California holds a small but significant portion of this TAM, focusing on specific segments and geographic areas.
Upturn SWOT Analysis
Strengths
- Strong local presence in California
- Experienced management team
- Diversified revenue streams
- Focus on customer relationships
- Improved scale post merger with Pacific Western Bancorp
Weaknesses
- Limited geographic reach compared to national banks
- Potential integration challenges with Pacific Western Bancorp
- Higher cost structure than some competitors
- Sensitivity to interest rate fluctuations
Opportunities
- Expanding digital banking services
- Growing wealth management business
- Increasing market share in California
- Acquiring smaller banks
- Capitalizing on disruption from Fintech companies
Threats
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic downturn in California
- Cybersecurity threats
- Rising interest rates impacting loan demand
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- CMA
- FCNCA
Competitive Landscape
Banc of California is a smaller player compared to national banks like Wells Fargo and Bank of America. Its advantage lies in its regional focus, but it faces challenges in scale and technology investments. Post merger with PacWest however, Banc of California is now a major player
Major Acquisitions
Pacific Western Bank
- Year: 2023
- Acquisition Price (USD millions): N/A (Merger)
- Strategic Rationale: The merger with PacWest significantly expanded Banc of California's size and scope, creating a stronger regional bank with a more diversified loan portfolio and deposit base.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by acquisitions and organic expansion in California.
Future Projections: Analyst estimates vary, but future growth is expected to be driven by further expansion in California, increased digital banking adoption, and the Pacific Western Bancorp merger integration.
Recent Initiatives: Recent initiatives include the merger with Pacific Western Bancorp and investment in digital banking technology.
Summary
Banc of California is a regional bank showing promise with its recent merger to enhance its position. Its local focus is a strength, but it faces competition from larger national players. Successful integration with Pacific Western Bancorp and strategic investments are crucial for future growth and to increase its foothold on the West Coast. The bank needs to carefully watch for rising interest rates, regional economic conditions, and fintech developments.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Financial News Articles
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance are 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.
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