Financial Services

Banc of California, Inc. (BANC)

$19.10
+1.49%
$3.0B
Market Cap
14.8
P/E Ratio
0.98
Beta
2.50%
Dividend Yield
Piotroski 6/9Altman Z 0.1 Distress

Quantitative Summary

Deterministic

BANC 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

Interactive
Market Price
$19.10
Fair Value
$77
Implied Upside
+303.8%
$77IMPLIED FAIR VALUEUNDERVALUEDOVERUNDER
Growth Rate (Y1–5)24%
-10%20%50%
Discount Rate (WACC)7.8%
5%12.5%20%

5-year two-stage DCF. Terminal growth 3%. Default sliders match the pre-computed base case. Drag to explore scenarios. Not investment advice.

Reverse DCFMarket-Implied
-2.1%annual FCF growth priced in at $19.10

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

14.8x
BANC P/E
19.2x
Sector Avg
10.1x
5Y Avg P/E
-23%
vs Sector

Currently trading 56% above its 5-year average P/E of 10.1x.

Price Chart with Moving Averages

Loading chart...
SMA 50 SMA 200

Technical Setup

AI Generated

Banc 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.

RSI (14)
SMA 50
SMA 200

Quant Health Deep Dive

6/9
Piotroski F-Score
Average — mixed operational signals
0.1
Altman Z-Score
Distress Zone — below 1.8 threshold per academic model. Thresholds: >3 safe, 1.8–3 grey, <1.8 distress.

Profitability & Value Creation

20.8%
Net Margin
7.8%
WACC
+11.9%
Revenue Growth (YoY)
+80.5%
Earnings Growth (YoY)
234.8M
Free Cash Flow
44%
FCF Payout Ratio

✅ Conservative payout — room for dividend increases.

Balance Sheet Health

8.83x
Debt / Equity
7.08%
FCF Yield

Earnings Surprise History

Q4
✓ Beat
Est: $0.23
Act: $0.26
+11.4%
Q3
✓ Beat
Est: $0.26
Act: $0.31
+18.1%
Q2
✓ Beat
Est: $0.33
Act: $0.38
+16.2%
Q1
✓ Beat
Est: $0.37
Act: $0.42
+13.7%

EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.

Dividend History

$0.1200
Latest Dividend
$0.40
2025 Total
0.0%
YoY Growth
Annual Dividends per Share
$0.37
2016
$0.52
2017
$0.52
2018
$0.31
2019
$0.24
2020
$0.24
2021
$0.24
2022
$0.40
2023
$0.40
2024
$0.40
2025
$0.12
2026
DateAmountChange
2026-03-16$0.1200+20.0%
2025-12-15$0.10000.0%
2025-09-15$0.10000.0%
2025-06-16$0.10000.0%
2025-03-14$0.10000.0%
2024-12-16$0.10000.0%
2024-09-16$0.10000.0%
2024-06-14$0.10000.0%
2024-03-14$0.10000.0%
2023-12-14$0.10000.0%
2023-09-14$0.10000.0%
2023-06-14$0.10000.0%

Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.

Risk Profile

36.4%
Annual Volatility
1.22
Sharpe (1Y)
0.50
Sharpe (3Y)
-31.2%
Max Drawdown (3Y)
-53.3%
Max Drawdown (5Y)

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.

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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.

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Rolling Beta Market (β = 1.0)

Fundamentals

9.3
Forward P/E
1.12
PEG Ratio
0.97
Price/Book
3M
Avg Volume
$21.61
52W High
$13.24
52W Low
70%
52W Range Position

Passive Flow Attribution

ETF Draft Effect
$118M
Tracked Passive Exposure
8
ETFs Holding BANC
0.19%
Avg Weight in ETFs
$64B
Total ETF AUM

When 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.

BANC Shock
-0%
Est. Passive Redemption
$0
Systemic Risk
STABLE
BANCEpicenterVTWOETFSPSMETFVFHETFAUBHigh RiskFULTHigh RiskABCBHigh RiskFHBHigh RiskUMBFHigh Risk
BANC Price Drop (%)0

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.

Ticker
BANC
Total Shares
154M
ETF Lock-Up
4.4%
Display Mode
Total Float Impact
4.4%Locked Float

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.

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.

TICKER
BANC
PRICE
$19.10
FLOOR (POC)
$16.59
STRENGTH
High
$13$14$14$14$15$15$16$16$17POC 16%$1710%$177%$18$18$199%$19$19.10$207%$206%$20$21$21
Focus Zone
Point of Control (POC) Support (below price) Resistance (above price) Current Price

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.

DateFailed SharesClose PriceNotional Value
2026-05-1323,963$18.62$446,191.06
2026-03-3070$16.89$1,182.3
2026-03-271$17.35$17.35
2026-03-2312$16.83$201.96
2026-03-16469$16.78$7,869.82
2026-03-131$16.80$16.8
2026-03-0343,812$18.29$801,321.48
2026-03-0297,320$18.47$1.8M
2026-02-205,500$19.81$108,955
2026-02-191,152,905$19.98$23.0M
2026-02-173,086,207$20.00$61.7M
2026-02-051,204$20.13$24,236.52
2026-02-043,630$19.88$72,164.4
2026-02-03644$20.38$13,124.72
2026-01-207,000$20.80$145,600
2025-12-224,017$19.71$79,175.07
2025-12-1622$19.71$433.62
2025-12-15678$19.83$13,444.74
2025-12-129,017$19.83$178,807.11
2025-12-1019$19.08$362.52
2025-11-261,318$18.60$24,514.8
2025-11-24143$17.75$2,538.25
2025-11-14316$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.

Peer252-Day (1Y)126-Day (6M)Direction
WTGXXNaNNaN
FNB0.8480.842High co-movement
ASB0.8400.864High co-movement
ONB0.8270.850High co-movement
ZION0.8210.849High co-movement
HWC0.8200.836High co-movement
AUB0.8200.835High co-movement
EWBC0.8190.854High co-movement
COLB0.8180.807High co-movement
WAL0.8170.867High 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.