What is Banc of California, Inc.'s (BANC) StockRank?

MoatMap's StockRank for Banc of California, Inc. (BANC) is 57/100, with a Hold signal. This is a composite score combining Quality (48), Value (44), and Momentum (58) factor ranks across MoatMap's 20,000+ stock universe.

Does Banc of California, Inc. have an economic moat?

Banc of California, Inc. (BANC) has a Quality factor score of 48/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Banc of California, Inc. a buy, hold, or sell?

MoatMap's current signal for Banc of California, Inc. (BANC) is Hold, based on a StockRank of 57/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Banc of California, Inc. in?

Banc of California, Inc. (BANC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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BANC

HOLD

Banc of California, Inc. · Financial Services · United States · $3.3B · Avg Vol: $61M/d

StockRank

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P/E (TTM)

16.3x

ROE

7.0%

D/E

0.9x

Dividend %

2.0%

COMPANY DESCRIPTION

Banc of California, Inc. is a commercial bank primarily serving small and medium-sized businesses, entrepreneurs, and high-net-worth individuals across California. The bank's competitive advantage is derived from its deep regional market knowledge, tailored financial solutions, and strong relationship-based banking approach within the dynamic California economy. It focuses on strategic growth within its diverse customer segments.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	1.3B	278.4M	985.9M	1.1B	-6.3%	1.1B	1.2B	1.3B	8.0%
EPS	0.73	-22.71	0.52	1.18	17.4%	1.28	1.47	1.79	23.3%
Shares	153.7M	168.1M	168.6M	155.5M	+1.1%	153.7M	—	—	—
Debt	2.6B	1.2B	2.2B	3.0B	4.7%	3.6B	—	—	—
Equity	4.0B	3.4B	3.5B	3.5B	-3.6%	—	—	—	—
Op CF	702.0M	135.8M	77.4M	255.6M	-28.6%	289.5M	—	—	—
Inv CF	-3.6B	12.6B	1.9B	-1.5B	—	—	—	—	—
Fin CF	1.1B	-9.6B	-4.8B	1.0B	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+3.1%

SMA 50SMA 200

$20.79

RSI (14)

52.4

52W High

$21.93

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.7%*29.3

ROE

7.0%35.4

GP/Assets

3.1%N/A

Op. Margin

39.3%58.4

FCF/Assets

0.8%N/A

Piotroski

683.6

Int. Cover

—50.0

D/E Ratio

0.85xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

16.3x35.7

EV/EBITDA

bankN/A

P/FCF

12.3xN/A

P/B

1.1x55.8

P/S

3.0x62.8

Div Yield

2.0%21.8

Momentum

52W High %

95%58.2

RS 6M

-2%52.3

SMA 50/200

1.07x64.3

EPS Rev 4W

-0.4%49.0

EPS Rev 12W

-1.4%40.6

EPS Improve

+60%76.0

Q Growth

34%67.0

FUNDAMENTALS

Market Cap

$3.3B

P/E (Forward)

10.1x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BANC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
BANC	Banc of California, Inc.(you)	$3.3B	57	HOLD
BOH	Bank of Hawaii Corporation	$3.3B	55	HOLD
CBU	Community Financial System, Inc.	$3.5B	57	HOLD
FBK	FB Financial Corporation	$3.0B	54	HOLD
MCHB	Mechanics Bancorp	$3.5B	53	HOLD
VLYPP	Valley National Bancorp	$3.1B	52	HOLD
BKU	BankUnited, Inc.	$3.4B	52	HOLD
UCB	United Community Banks, Inc.	$4.2B	59	HOLD
PRK	Park National Corporation	$3.4B	63	HOLD
WAFD	WaFd, Inc.	$2.7B	61	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Price	$20.79
Market Cap	$3.3B
P/E (TTM)	16.26
P/E (Forward)	10.13
Price/Book	1.05
Return on Equity	7.0%
Debt/Equity	0.85x
Operating Margin	39.3%
Revenue Growth	8.0%
Dividend Yield	2.0%
Free Cash Flow	$267M