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BANC OF CALIFORNIA INC

BANCNYSE
πŸ† #1362 by market capEarnings Oct 20US Equity
$879.94β–² $1.50 (+0.17%)
Simulated price
1hβ€”
24hβ–² 0.2%
7dβ€”
14dβ€”
30dβ€”
1yβ€”
🏦Market Cap
$3.09B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+26.6%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
17.7%
Healthy
βš–οΈP/S Ratio
2.0x
Cheap
Otter Score
55
Weak
No chart data available for BANC.

Trading Snapshot

Day Range
$869.11 – $885.84
52-Week Range
$14.35 – $21.93
Volume
$3.75B
Avg Volume
$2.55B
Shares Outstanding
158.4M
Next Earnings
Oct 11, 2026

Fundamentals Snapshot

Annual Revenue
$1.81B
Last Q Revenue
$415M
P/E Ratio
12.1
P/S Ratio
2.0x
EPS (TTM)
$1.55
Dividend Yield
3.51%

Why Investors Own BANC

  • βœ“High-growth profile β€” revenue up +51.6% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 79% gross margin and 13% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$1.81Bβ–² +51.7% YoY
Gross Margin (TTM)
78.5%β–² +0.6% YoY
Operating Income (TTM)
$378Mβ–² +51.7% YoY
Free Cash Flow (TTM)
$228Mβ–² +51.7% YoY

About BANC OF CALIFORNIA INC

Banc of California, Inc. is a financial holding company that, through its subsidiary Banc of California, National Association, delivers a full spectrum of banking products and services across the United States. The company's offerings encompass a variety of deposit solutions, including checking, savings, money market, and retirement accounts, alongside both interest-bearing and non-interest-bearing demand accounts, and certificates of deposit. Banc of California also provides diverse commercial and consumer lending options. Its commercial credit facilities include commercial and industrial loans, financing for commercial real estate and multifamily properties, construction loans, warehouse lending, and Small Business Administration (SBA) loans. For individual clients, available products feature single-family residential mortgages, home equity lines of credit (HELOCs), indirect/direct leveraged lending, and various other consumer loan types. In addition to core banking, the institution offers a range of supplementary financial services such as automated bill payment, comprehensive cash and treasury management, foreign exchange, various card payment solutions, remote and mobile deposit capture, automated clearing house (ACH) origination, wire transfers, direct deposit, and internet banking. Further services extend to master demand accounts, interest rate swaps, and secure safe deposit boxes. The company strategically invests in a diverse portfolio, including collateralized loan obligations (CLOs), agency securities, municipal bonds, agency residential mortgage-backed securities (RMBS), and corporate debt instruments. As of December 31, 2020, Banc of California maintained a physical presence with 29 full-service branches located throughout Southern California. Established in 1941 and headquartered in Santa Ana, California, the company rebranded to Banc of California, Inc. in July 2013, having previously been known as First PacTrust Bancorp, Inc.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
55/100

Analyst Price Target

β“˜
Average Target
$936.72
β–² +6.5% Upside
High Target$1,074.24
Low Target$770.75
Based on 22 analysts

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