Banc of California, Inc. (BANC) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Banc of California, Inc. $18.43, price $17.72, upside +4.0%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $9.13 – $21.83 · fair‑value band $15.90 – $18.49 · the $17.72 price screens below the $18.43 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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. 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.
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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. 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 $17.72, while our model-based Fair Value estimate is $18.43, implying the stock looks roughly 3.9% fairly valued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $19.36 per share, and 3 of the 6 models we run sit above the $17.72 price.
Bear case: the Dividend Discount group reads lowest at $10.20, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $15.90 (bear) to $18.49 (bull), the price of $17.72 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 58/100 (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 $3.3B · P/E ratio 13.6 · P/S ratio 1.72 · EPS (TTM) $1.30 · Dividend yield 2.4% · Net margin 12.6% · Return on equity 7.0% · Return on assets (EBIT) 1.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 45 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 4%, BANC screens cheaper than that median.
Fair Value models
Bear $15.90Fair Value $18.43Bull $18.49
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.6437 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.89/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−3.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+42.4%
Start year 2020 (pandemic). Over 10 years: +19.1% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+32.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+46.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+44.4%
Dividend (yield on the price)2.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.48% vs 9%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.5% → 18%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−2.5%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −4.8% a year for the forecasts.
Compare Banc of California, Inc. with another stock
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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 · 1074 stocks
Beats the industry median on 7/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+4% · Above median
Profitability
Return on equity (TTM)7% · Below median
Return on assets1% · Below median
Net margin (TTM)23% · Below median
Operating margin (TTM)39% · Above median
Growth and dividend
Revenue growth8% · Below median
Dividend yield (TTM)2.4% · Below median
Balance sheet
Debt / equity0.78× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Banc of California, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/BANC
Frequently asked questions
Is Banc of California, Inc. (BANC) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $18.43 versus a price of $17.72, about +4% upside (fairly valued).
What is the fair value of BANC?
Our model-based fair value for Banc of California, Inc. is $18.43 (as of Sep 24, 2026), built from audited fundamentals. The current price: $17.72.
What is the quality score of BANC?
Banc of California, Inc. has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banc of California, Inc. (BANC)?
Our model-based price target is the fair value of $18.43 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $15.90, optimistic scenario $18.49. It is a calculation from audited fundamentals, not an analyst target.
What is the Banc of California, Inc. stock forecast for 2026?
Our models put fair value at $18.43, about +4% upside versus a price of $17.72 (fairly valued). Cautious scenario $15.90, optimistic scenario $18.49. The calculation is refreshed regularly with new filings.
What is the revenue of Banc of California, Inc. (BANC)?
Banc of California, Inc. reported trailing-twelve-month revenue of about $1.1B (latest available figure, as of Sep 24, 2026).
Does Banc of California, Inc. pay a dividend?
Banc of California, Inc. currently shows a dividend yield of about 2.37% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Banc of California, Inc. (BANC)?
For today's price to be fair in a discounted-cash-flow model, Banc of California, Inc. would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 10.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +42.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of BANC use?
Our models discount Banc of California, Inc. at 10.1 %: a base by market capitalisation (mid), damped by beta 1.14, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Banc of California, Inc. that is less than minus 40 % per year a year over ten years, using the same discount rate (10.1 %) and the same formula as our fair value.
How much growth has Banc of California, Inc. (BANC) delivered so far?
Over the past 5 years revenue at Banc of California, Inc. grew +42.4 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Banc of California, Inc. (BANC) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Banc of California, Inc. (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Banc of California, Inc. (BANC)?
The free-cash-flow yield on the price is 8.28 %: that much free cash flow Banc of California, Inc. produces per unit of market value. When it exceeds the discount rate of our models (10.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Banc of California, Inc. (BANC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banc of California, Inc. it is $18.43 per share (as of Sep 24, 2026), against a price of $17.72. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banc of California, Inc. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BANC trades below its calculated fair value: price $17.72, fair value $18.43, a gap of about +4% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BANC?
No. The price is what the market pays today ($17.72); the fair value is what the company's own numbers justify ($18.43). For Banc of California, Inc. the two are $0.7100 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banc of California, Inc. worth?
The market values Banc of California, Inc. at about $3.3B (market capitalisation, as of Sep 24, 2026). Per share that is $17.72; our models calculate a fair value of $18.43 per share.
What do the bullish and bearish scenarios say about BANC?
Our models span a range for Banc of California, Inc.: cautious scenario $15.90, base $18.43, optimistic $18.49 per share (as of Sep 24, 2026, price $17.72). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BANC?
Banc of California, Inc. trades at a price-to-earnings ratio of 13.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.43 is built from several models across several years. Other multiples: PEG 1.1, P/B 0.9, P/S 3.1, EV/EBITDA 9.4.
What is the PEG ratio of BANC?
The PEG ratio of Banc of California, Inc. is 1.12 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Banc of California, Inc. (BANC)?
Balance-sheet figures for Banc of California, Inc. (as of Sep 24, 2026): return on equity 7.0%, debt of 0.78 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is BANC from its 52-week high?
Banc of California, Inc. trades at $17.72, about 19% below its 52-week high of $21.83 and 16% above the low of $15.28 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $18.43 is for.
Which stocks are comparable to Banc of California, Inc.?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banc of California, Inc. stock attractive at the current price?
The data as of Sep 24, 2026: price $17.72, calculated fair value $18.43 (+4%), Quality Score 58/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BANC calculated?
We run Banc of California, Inc. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $18.43, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Banc of California, Inc. currently trades 4 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banc of California, Inc. (BANC)?
The closing price on Sep 23, 2026 was $17.72. Our model-based fair value is $18.43, about +4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banc of California, Inc. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Banc of California, Inc. (BANC) come from?
Earnings per share at Banc of California, Inc. grew +5.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +13.0 %, EBIT margin −3.0 %, tax rate −1.4 %, residual (interest, one-offs) −2.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Banc of California, Inc.
How large is the market capitalisation of Banc of California, Inc. (BANC)?
The market capitalisation of Banc of California, Inc. is $3.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banc of California, Inc. (BANC)?
The price-to-sales ratio of Banc of California, Inc. is 1.72 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banc of California, Inc. (BANC)?
Earnings per share at Banc of California, Inc. are $1.30 (price ÷ EPS = P/E 13.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banc of California, Inc. (BANC)?
The dividend yield of Banc of California, Inc. is 2.4% (payout 32.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banc of California, Inc. (BANC)?
The net margin of Banc of California, Inc. is 12.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banc of California, Inc. (BANC)?
The return on equity (ROE) of Banc of California, Inc. is 7.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banc of California, Inc. (BANC)?
On an EBIT basis the return on assets of Banc of California, Inc. is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banc of California, Inc. (BANC)?
The operating margin of Banc of California, Inc. is 39.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banc of California, Inc. (BANC)?
Revenue at Banc of California, Inc. is growing +8.0% versus a year earlier (3y avg +4.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banc of California, Inc. (BANC)?
Earnings per share at Banc of California, Inc. are growing +49.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Banc of California, Inc. (BANC) carry?
The net debt of Banc of California, Inc. is $709M (fiscal year 2025, ≈ 3.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Sep 24, 2026