
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)


(see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/14/2025: BANC-PF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
![]() ![]() | ![]() ![]() |
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 Trust Company. It has grown through acquisitions and organic growth, evolving from a trust company to a full-service commercial bank focused on California.
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 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
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
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
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.
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.