BANC$16.97
Chart
Performance
Key Stats
AI BANC Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuyBanc of California, Inc. shows a mixed but generally positive outlook. Strong recent profitability and a robust balance sheet are key strengths, though the current valuation metrics indicate it might be fully priced. Technical indicators suggest a cautious approach in the short term.
Thematic
The company operates in the financial services sector, providing a range of banking products and services. Its growth is tied to the broader economic environment and specific regional market dynamics. Recent regulatory shifts or changes in interest rate environments could present both opportunities and challenges.
Fundamental
The company demonstrates strong recent profitability and a healthy balance sheet with substantial cash reserves. However, the Price-to-Earnings (P/E) ratio is somewhat elevated, suggesting that future growth expectations may already be factored into the current stock price.
Technical
The stock is trading near its 52-week high and shows mixed signals across different timeframes. While some indicators suggest potential upward momentum, others point to overbought conditions, indicating a need for caution regarding short-term price movements.
| Factor | Score |
|---|---|
| Financial Sector Trends | 75 |
| Digital Banking Adoption | 70 |
| Real Estate Market Sensitivity | 65 |
| Customer Base Diversification | 70 |
| Geographic Focus | 75 |
| Factor | Score |
|---|---|
| Valuation | 65 |
| Profitability | 85 |
| Growth | 90 |
| Balance Sheet Health | 75 |
| Cash Flow | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 60 |
| Momentum | 55 |
| Volume Confirmation | 70 |
| Support & Resistance | 70 |
| Short-Term Oscillators | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Positive Earnings Surprise
The company has a history of beating EPS estimates, with 3 out of the last 4 quarters showing positive surprises. The most recent quarter (2025 Q2) reported EPS of $0.32, exceeding the estimate of $0.23 by 37.22%.
Reasonable P/E Ratio
The trailing twelve months (TTM) P/E ratio is 19.3, which is below the industry average. The company's revenue growth for 2024 was 251% (from 278M to 985M), while net income grew 167% (from -1.89B to 126M), suggesting potential for further P/E multiple expansion.
Bearish Points (7)
High Quarterly P/E Ratios
Quarterly P/E ratios are significantly elevated, with Q1 2025 at 38.7 and Q4 2024 at 39.4. This suggests that current earnings do not justify the stock's price on a short-term basis.
Slowing Revenue and Net Income
While 2024 full-year revenue and net income show significant increases compared to 2023, the quarterly data shows a deceleration. For instance, Q1 2025 revenue was $263.98M with a net income of $53.56M, a net margin of 20.3%, compared to Q4 2024's $259.78M revenue and $56.91M net income, a margin of 21.9%.
Calendar
June 2025
16
Ex-Dividend Date
July 2025
1
Next Dividend Date
October 2025
22
Next Earnings Date
H: $0.35
A: $0.31
L: $0.28
H: 288.20M
A: 283.58M
L: 279.00M
Profile
Banc of California, Inc. operates as the bank holding company for Banc of California that provides various banking products and services. The company offers deposit products, such as checking, savings, money market, demand, and time deposits; certificates of deposit; retirement accounts; and safe deposit boxes. It also provides real estate loans to professional developers and real estate investors for the acquisition, construction, refinancing, renovation, and on-going operation of commercial real estate properties; commercial real estate mortgage, residential real estate mortgage, and real estate construction and land loans; commercial loans and leases, such as equipment and lender finance, other asset-based, venture capital, secured business, warehouse, and other lending services; small business administration lending; and consumer loans comprising personal, auto, and other loans, as well as home equity and revolving lines of credit. In addition, the company offers international banking, multi-state deposit, and asset and investment management services; automated bill payments; cash and treasury management, foreign exchange, card payment, mobile deposit capture, automated clearing house origination, wire transfer, and direct deposit services; and online, mobile, remote deposit, and telephone banking 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. The company was founded in 1941 and is headquartered in Los Angeles, California.
Seasonals
Price Target
17.45 USD
The 39 analysts offering 1 year price forecasts for BANC have a max estimate of 21.00 and a min estimate of 15.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct competitor in the finance sector, comparable in market capitalization and often contrasted with BANC in media and analyst discussions.
Weight: 90
Direct competitor in the finance sector and a regional bank with similar market characteristics.
Weight: 90
Direct competitor in the finance sector, a regional bank often listed alongside BANC's primary peers.
Weight: 88
Direct competitor in the finance sector, a regional bank with similar operational scope.