Banc of California, Inc. (BANC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Banc of California, Inc. stock $17.81, price $17.98, that is 0.9% below the price, quality 55 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Banc of California, Inc.
BANC · USThe stock costs about what our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $9.07 – $21.69 · fair‑value band $17.30 – $19.20 · the $17.98 price screens above the $17.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
Banc of California, Inc. operates as the bank holding company for Banc of California that provides banking and treasury management services in the United States.
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The company offers deposit products, including checking, savings, money market, demand, and retirement accounts, as well as time deposits, certificates of deposit, and safe deposit boxes.
It also provides real estate loans, such as commercial real estate mortgage, multi-family, other residential real estate mortgage, and real estate construction and land loans; commercial loans and leases comprising lender finance, equipment finance, other asset-based, venture capital, secured business, warehouse, and other lending loans; and consumer loans.
In addition, the company offers electronic payment services for commercial clients, such as merchant acquiring and card issuing services; automated bill payments, cash and treasury management, master demand accounts, foreign exchange, interest rate swaps, card payment services, remote and mobile deposit capture, automated clearing house origination, wire transfer, and direct deposit; and investment management 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. Banc of California, Inc. was founded in 1941 and is headquartered in Los Angeles, California.
Stock analysis
Banc of California, Inc. (BANC) currently trades at $17.98, while our model-based Fair Value estimate is $17.81, so the stock looks roughly fairly valued today (gap 1.0%).
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Valuation
Bull case: the Multiples group reads highest at a median of $23.70 per share, and 2 of the 6 models we run sit above the $17.98 price.
Bear case: the Dividend Discount group reads lowest at $9.68, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $17.30 (bear) to $19.20 (bull), the price of $17.98 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Banc of California, Inc. reported revenue of $1.8B in FY2025 versus $1.3B in FY2021, a compound +7.9%/yr. Reported net income was $229M in FY2025, compounding −21.6%/yr from FY2021.
Key figures
Market cap $2.8B Mid · P/S ratio 4.27 · EPS (TTM) $−0.3200 · Dividend yield 0.6% · Net margin 12.6% · Return on equity −0.3% · Return on assets (EBIT) 1.2% (5-year average) · Revenue (TTM) $690M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 23 out of 100 (low confidence).
What moves the price
The share trades about 17% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −1%, BANC screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $99,754, on Oct 30, 2026. Over the same period, 3 people sold shares worth $595,632.
- BuyJared M WolffCHAIRMAN AND CEO, Director5,487 shares at $18.18$99,754Oct 30, 2026
- SaleIdo DotanGENERAL COUNSEL, CORP SECRTY10,541 shares at $18.30$192,900Sep 10, 2026
- SaleOlivia I LindsayCHIEF RISK OFFICER6,000 shares at $19.51$117,060Aug 4, 2026
- SaleBryan M CorsiniCHIEF CREDIT OFFICER3× since Apr 29, 2026: 35,786 shares, avg. $18.75$670,850May 26, 2026
- SaleWARBURG PINCUS LLCDirector4,250,000 shares at $20.10$85.4MFeb 13, 2026
- SaleWARBURG PINCUS (CAYMAN) FINANCIAL SECTOR II GP LLCDirector4,250,000 shares at $20.10$85.4MFeb 13, 2026
- BuyHamid HussainPRESIDENT OF THE BANK14,000 shares at $21.12$295,680Feb 9, 2026
- SaleWARBURG PINCUS GLOBAL GROWTH 14 PARTNERS (CAYMAN), L.P.Director11,850,000 shares at $20.00$237.0MFeb 2, 2026
- SaleWarburg Pincus (Bermuda) Private Equity GP Ltd.Director11,850,000 shares at $20.00$237.0MFeb 2, 2026
Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Watch BANC, get fair value alerts →
Recent news
- Banc of California, Inc. Announces Quarterly Dividends
- BANC Q3 deep dive: asset mix shift and deposit growth support earnings trajectory
- 5 insightful analyst questions from Banc of California’s Q3 earnings call
- Banc of California (BANC) Just Gave Investors Something To Think About
Compare Banc of California, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Revenue growth by industry
- PEG ratio by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BANC |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BANC |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BANC |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BANC |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BANC |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BANC |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs BANC |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BANC |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BANC |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BANC |
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Key figures of Banc of California, Inc.
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