Banc of California, Inc. (BANC)
Quantitative Summary
DeterministicBANC trades at 14.8x earnings, roughly in line with its sector average of 19.2x. Financial health is average: Piotroski 6/9, Altman Z 0.1. DCF fair value of $76 implies 312% upside from current prices based on model assumptions.
Generated deterministically from quant metrics and financial statements. Not a recommendation.
DCF Sandbox
Interactive5-year two-stage DCF. Terminal growth 3%. Default sliders match the pre-computed base case. Drag to explore scenarios. Not investment advice.
The growth rate the market implicitly expects over the next 10 years to justify today's price. Compare with historical growth of 12% YoY revenue.
Sensitivity Matrix
| TG ↓ / WACC → | 6% | 7.8% | 9.8% |
|---|---|---|---|
| 2% | $98 | $64 | $46 |
| 3% | $128 | $76 | $52 |
| 4% | $189 | $95 | $60 |
Center = base case. Green = >10% upside, Red = >10% downside vs $19.10.
Pre-computed DCF: WACC=7.8%, terminal growth 3%. Fair value $76 (+311.8%). Not investment advice.
Valuation Context
Currently trading 56% above its 5-year average P/E of 10.1x.
Price Chart with Moving Averages
Technical Setup
AI GeneratedBanc of California, Inc. is currently trading at $18.80 within the Financial Services sector, presenting a snapshot where price action relative to moving averages and momentum indicators requires careful observation. Without specific values for the short-term or long-term moving averages in the provided dataset, it remains technically ambiguous whether the current share price sits above these trend lines, which would typically signal bullish strength, or below them, suggesting potential downward pressure. The absence of this critical data point prevents a definitive conclusion regarding the medium-to-long term trajectory based solely on position relative to average costs. Regarding short-term momentum, the Relative Strength Index (RSI) is not included in the available information, making it impossible to assess whether recent trading activity indicates overbought conditions or oversold opportunities. In the absence of this metric, one cannot determine if immediate price movements are driven by strong buying pressure that might lead to a consolidation phase or by weakening demand that could precipitate further declines. The current technical picture relies entirely on the $18.80 entry point without corroborating signals from trend lines or momentum oscillators to confirm the direction of future movement. Market participants must weigh this isolated price data against broader market context and other unprovided indicators before forming a view on the asset's trajectory, as no clear signal for acceleration or deceleration is visible in the supplied figures alone.
Quant Health Deep Dive
Profitability & Value Creation
✅ Conservative payout — room for dividend increases.
Balance Sheet Health
Earnings Surprise History
EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.
Dividend History
| Date | Amount | Change |
|---|---|---|
| 2026-03-16 | $0.1200 | +20.0% |
| 2025-12-15 | $0.1000 | 0.0% |
| 2025-09-15 | $0.1000 | 0.0% |
| 2025-06-16 | $0.1000 | 0.0% |
| 2025-03-14 | $0.1000 | 0.0% |
| 2024-12-16 | $0.1000 | 0.0% |
| 2024-09-16 | $0.1000 | 0.0% |
| 2024-06-14 | $0.1000 | 0.0% |
| 2024-03-14 | $0.1000 | 0.0% |
| 2023-12-14 | $0.1000 | 0.0% |
| 2023-09-14 | $0.1000 | 0.0% |
| 2023-06-14 | $0.1000 | 0.0% |
Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.
Risk Profile
Sharpe = risk-adjusted return (higher is better). Max drawdown = largest peak-to-trough decline. 1,200+ trading days.
Underwater (Drawdown from Peak)
How far below the all-time high the price has been over time. Deeper = more pain for holders.
Rolling 60-Day Beta vs S&P 500 (VOO)
How the stock's sensitivity to market moves changes over time. β > 1 = more volatile than the market.
Fundamentals
Passive Flow Attribution
ETF Draft EffectWhen investors buy or sell ETFs like KRE or KBE, the fund manager is mechanically forced to buy or sell BANC shares regardless of Banc of California, Inc.'s individual fundamentals. We estimate $118M of passive capital is structurally linked to BANC through 8 tracked ETFs. Passive flows have a limited but growing influence on BANC's daily trading dynamics.
Passive exposure = Σ (ETF AUM × stock weight in ETF) across 8 tracked ETFs. Actual passive ownership is larger (includes mutual funds). Not investment advice.
ETF Contagion Visualizer
Simulate a price drop in Banc of California, Inc. to visualize passive redemption contagion across ETFs and collateral stocks.
If Banc of California, Inc. (BANC) experiences a significant drawdown, ETF redemptions can create collateral selling pressure on co-held stocks. Our model identifies ATLANTIC UNION BANKSHARES CO (AUB) as the most exposed collateral stock, sharing 3 ETFs with BANC. This is the "Passive Contagion" effect described in the Inelastic Market Hypothesis.
Contagion model based on shared ETF exposure and constituent weights across 9 tracked ETFs. Estimated selling pressure is a simplified model — actual impact depends on market liquidity, ETF redemption mechanics, and market-maker activity.
BANC Ownership Dynamics
Passive funds hold 1 in every 23 BANC shares, reducing daily market volatility.
Banc of California, Inc. (BANC) exerts measurable gravity on the passive index market, currently representing 1.4% of the KRE (KRE) and 1.0% of the KBE (KBE). Across 9 tracked ETFs, approximately 7M shares (4.4% of float) are held by passive funds and rarely trade on the open market. As passive ownership grows, index inclusion changes may increasingly drive price discovery.
ETFs with Highest BANC Exposure
Float lock-up computed from 9 ETFs tracked by SecuritiesDB. Actual passive ownership is higher (includes mutual funds, pension funds, etc.).
BANC Institutional Volume Profile
252-day volume distribution by price level. The Point of Control (POC) marks — the price where the most institutional volume transacted — an implicit support/resistance floor.
The highest-volume price zone for Banc of California, Inc. over the past year sits near $16.59 (16% of 252-day volume). The current price of $19.10 trades 15.2% above this institutional floor — a sign of upside momentum, though a pullback to the POC zone is a common reversion target. The highly concentrated volume profile (16% at POC) indicates strong consensus on fair value — institutional participants have repeatedly transacted near this price.
Volume Profile computed from 252 trading days of OHLCV data. Volume allocated to price bins proportionally based on daily high-low range. Not investment advice.
Fails-to-Deliver (FTD) History
SEC-reported settlement failures. Elevated FTDs can indicate high short-selling pressure, operational settlement issues, or naked shorting activity.
| Date | Failed Shares | Close Price | Notional Value |
|---|---|---|---|
| 2026-05-13 | 23,963 | $18.62 | $446,191.06 |
| 2026-03-30 | 70 | $16.89 | $1,182.3 |
| 2026-03-27 | 1 | $17.35 | $17.35 |
| 2026-03-23 | 12 | $16.83 | $201.96 |
| 2026-03-16 | 469 | $16.78 | $7,869.82 |
| 2026-03-13 | 1 | $16.80 | $16.8 |
| 2026-03-03 | 43,812 | $18.29 | $801,321.48 |
| 2026-03-02 | 97,320 | $18.47 | $1.8M |
| 2026-02-20 | 5,500 | $19.81 | $108,955 |
| 2026-02-19 | 1,152,905 | $19.98 | $23.0M |
| 2026-02-17 | 3,086,207 | $20.00 | $61.7M |
| 2026-02-05 | 1,204 | $20.13 | $24,236.52 |
| 2026-02-04 | 3,630 | $19.88 | $72,164.4 |
| 2026-02-03 | 644 | $20.38 | $13,124.72 |
| 2026-01-20 | 7,000 | $20.80 | $145,600 |
| 2025-12-22 | 4,017 | $19.71 | $79,175.07 |
| 2025-12-16 | 22 | $19.71 | $433.62 |
| 2025-12-15 | 678 | $19.83 | $13,444.74 |
| 2025-12-12 | 9,017 | $19.83 | $178,807.11 |
| 2025-12-10 | 19 | $19.08 | $362.52 |
| 2025-11-26 | 1,318 | $18.60 | $24,514.8 |
| 2025-11-24 | 143 | $17.75 | $2,538.25 |
| 2025-11-14 | 316 | $17.01 | $5,375.16 |
Source: SEC Regulation SHO FTD data. Data is reported with a ~30 day delay. High FTD quantities relative to average daily volume may indicate settlement stress.
Price Correlations
Statistical correlation of daily returns with other stocks. High correlations indicate stocks that move together; negative correlations can offer diversification.
| Peer | 252-Day (1Y) | 126-Day (6M) | Direction |
|---|---|---|---|
| WTGXX | NaN | NaN | |
| FNB | 0.848 | 0.842 | High co-movement |
| ASB | 0.840 | 0.864 | High co-movement |
| ONB | 0.827 | 0.850 | High co-movement |
| ZION | 0.821 | 0.849 | High co-movement |
| HWC | 0.820 | 0.836 | High co-movement |
| AUB | 0.820 | 0.835 | High co-movement |
| EWBC | 0.819 | 0.854 | High co-movement |
| COLB | 0.818 | 0.807 | High co-movement |
| WAL | 0.817 | 0.867 | High co-movement |
Pearson correlation of daily log returns. 252d ≈ 1 trading year. Computed from price history. Not investment advice.
Compare BANC to Peers
Quant metrics computed deterministically from financial statements and price data. Updated: 2026-06-02.
SecuritiesDB provides programmatic data aggregation for informational purposes only. None of the metrics, summaries, or algorithmic flags constitute a recommendation to buy or sell any security.