Banc of California, Inc. (BANC) Stock

Banc of California, Inc. (BANC) is a Financials stock trading at $18.65 (as of 2026-08-20), with a market capitalization of $2.95B. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Banc of California, Inc. is a bank holding company offering banking products and services through Banc of California, National Association. It provides deposit accounts and certificates of deposit, lending for commercial and consumer needs, and a range of treasury, payments, and online banking services for individuals and businesses.

Understand Banc of California, Inc.: how it makes money

Banc of California provides banking products in the United States, it makes money by taking deposits (including checking, savings, money market, retirement, and certificates of deposit) and extending a range of loan products (including commercial and industrial, commercial real estate and multifamily, construction, and single family residential mortgage lending).

Because it operates as a bank, its profit model is structurally driven by the difference between interest income earned on its loan portfolio and interest expense paid on its deposit products, with additional impact from the mix of loan types it originates.

Business quality (Solid): Clear deposit and lending product focus, but there is no provided operational KPI detail or reportable segment breakdown to assess drivers beyond the overall operating margin.

Valuation: At 16× earnings, BANC trades 23% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Broad funding and lending mix: It offers multiple deposit types and a diversified set of loan categories, including commercial and industrial, commercial real estate and multifamily, construction, and single family residential mortgage loans.
  • Positive operating profitability (latest quarter provided): For the period ended 2026-03-31, operating margin is shown as 21.6%.

Bear case

  • Credit and real estate exposure tied to its loan mix: Its loan portfolio includes commercial real estate, multifamily, and construction loans, plus single family residential mortgage loans, which can be pressured if those borrower and collateral segments weaken.
  • Sensitivity to deposit funding costs and lending yields: Since its earnings depend on the spread between what it earns on loans and what it pays on deposits, shifts in interest rates and funding competition can affect performance.
Valuation — source: SEC EDGAR (first-party)
Price$18.65
Market Cap$2.95B
EV / EBITDA1164.8
Price / Book0.86
Price / Sales2.03
FCF Yield10.0%
DCF Value (model)$14.75
DCF Upside vs Price-20.9%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.82B
Net Margin12.6%
Revenue Growth (YoY)-3.8%
EPS Growth (YoY)126.9%
FCF Growth (YoY)265.0%
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($362.52M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJared Wolff
Employees1,903
CountryUS
IPO Date2002-08-23

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • WaFd, Inc. (WAFD)
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BANC earnings history · BANC institutional & insider holders · BANC KPIs & operating metrics · BANC financials · BANC investor presentations & press releases · BANC SEC filings · BANC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.