Banc of California/$BANC
1D1W1MYTD1Y5YMAX
Capital at risk
About Banc of California
Banc of California Inc is a financial holding company. It offers banking and financial services. Its services include banking services, lending services, and private banking services. Its deposit and banking product and service offerings include checking, savings, money market, certificates of deposit, and retirement accounts. Lending activities are focused on providing financing to California's diverse private businesses, entrepreneurs, and communities, and loans are often secured by California commercial and residential real estate. The company has one reportable segment named Commercial banking.
- Ticker
- $BANC
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 1,904
- Headquarters
- Los Angeles, United States
- Website
- bancofcal.com
BANC Metrics
BasicAdvanced
$2.9B
-
-$0.40
1.14
$0.44
2.65%
Price and volume
Market cap
$2.9B
Beta
1.14
52-week high
$21.93
52-week low
$15.33
Average daily volume
2.4M
Dividend rate
$0.44
Financial strength
Profitability
Net profit margin (TTM)
-3.24%
Operating margin (TTM)
2.41%
Effective tax rate (TTM)
52.75%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
-0.06%
Return on equity (TTM)
-0.65%
Valuation
Price to revenue (TTM)
4.085
Price to book
0.98
Price to tangible book (TTM)
1.1
Price to free cash flow (TTM)
8.692
Free cash flow yield (TTM)
11.50%
Free cash flow per share (TTM)
2.082
Dividend yield (TTM)
2.43%
Forward dividend yield
2.65%
Growth
Revenue change (TTM)
-27.32%
Earnings per share change (TTM)
-161.68%
3-year revenue growth (CAGR)
-12.43%
3-year earnings per share growth (CAGR)
-70.88%
10-year earnings per share growth (CAGR)
-22.13%
3-year dividend per share growth (CAGR)
-4.10%
10-year dividend per share growth (CAGR)
-14.05%
What the Analysts think about BANC
Analyst ratings (Buy, Hold, Sell) for Banc of California stock.
Analyst projections of the future price of Banc of California stock.
Bulls say / Bears say
Banc of California has repositioned $2.3 billion of low-yielding securities into shorter-duration assets, generating a reported yield pickup of roughly 276 basis points, and retired $385 million of subordinated debt before a costly reset. Management expects these actions to lift NIM to 3.30%–3.40% by year-end. (SEC, Motley Fool)
The underlying franchise continued to grow during the clean-up: average loans rose 2.3% quarter on quarter, deposits increased 2.9% to $28.1 billion and the loan-to-deposit ratio fell to 89.3%. That combination suggests the bank is still attracting funding to support its relationship-lending model rather than relying solely on balance-sheet sales. (Banc of California, StockTitan)
Credit indicators improved sharply after the targeted clean-up, with special-mention loans down 56%, classified loans down 31% and delinquent loans down 50% quarter on quarter. Capital is also expected to rebuild towards 9.8%–9.9% CET1 by year-end and above 10% in early 2027, creating scope for future shareholder distributions. (Motley Fool, Exa)
The balance-sheet reset produced a $251.3 million second-quarter loss, including a $256.7 million pre-tax securities loss and a $161.8 million credit-loss provision. Even if much of this is non-recurring, it reduced CET1 to 9.25% and shows that the earnings recovery carries a real capital cost. (SEC, American Banker)
Credit risk has not disappeared: non-accrual loans rose to $203.7 million at June 30 from $159.2 million at the end of 2025, while the bank is selling a $300 million construction-loan group that management said showed signs of weakness. Its California commercial-property exposure remains a key source of future losses if borrowers struggle to refinance. (Banc of California, Exa)
The core margin weakened before the planned recovery: second-quarter NIM fell to 3.13% from 3.24%, while the average cost of funds increased to 2.14%. The improvement therefore depends on completing the loan sale, reinvesting securities proceeds and retaining deposits, rather than on already-proven organic profitability. (Banc of California, Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 21 Sept 2026.
BANC Financial Performance
Revenues and expenses
BANC Earnings Performance
Company profitability
Upcoming events
BANC News
AllArticlesVideos
Banc of California Bets on Short-Term Pain
MarketBeat6 days ago
Banc of California, Inc. to Participate in the Barclays 24th Annual Global Financial Services Conference
Business Wire3 weeks ago
BANC Investors Have Opportunity to Join Banc of California, Inc. Fraud Investigation with SBS Law
Business Wire1 month ago
Funds containing BANC
AllUSDGBPEUR
Fund name | Fund size | $BANC weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.14% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.14% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.09% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.06% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.06% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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