Banc Of California, Inc. (BANC)
NYSEFinancialsBanks - RegionalSnapshot 2026-10-29
NYSEFinancialsBanks - RegionalSnapshot 2026-10-29
Research Workspace
Put BANC beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Regional Banks is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Maintain dividend payments at or above $0.12 per share quarterly: Comparison needs review.
View ThesisRevenue is contracting — down about 14% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityManagement screens weak on capital allocation, earnings delivery, market reaction to earnings.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskBANC’s case rests on earnings growth from balance-sheet repositioning, despite weak recent performance and unprofitability. Third-quarter revenue grew 6% year over year, slower than the prior quarter’s 8%. Third-quarter GAAP earnings beat consensus, though the prior quarter sharply missed. BANC trades at 0.8× P/B versus a 1.2× peer median. Expectations look modest versus our view, despite the market’s Mania regime. The next-quarter miss probability is 28%, and the dividend-pillar comparison needs review. Peer multiples imply a price about 31% above where it trades; the thesis is on watch. This read is provisional.
Trailing returns as of 2026-10-29. BANC is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 12 analysts currently covering BANC (as of Oct 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
Continue this research
Compare BANC with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| BANC Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 6 valuation methods, at three horizons. As of 2026-10-29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Regional Banks — fair value, gap to price, and forward P/E.
Compare the value case
Put BANC next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Focus on earnings growth
Q4 earnings and NIM outlook provide meaningful evidence of near-term earnings growth.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-29. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.

Advances: Focus on earnings growth
Expands the client base and potential fee income, but the launch alone does not establish meaningful earnings contribution.

Advances: Strategic balance sheet repositioning to enhance long-term earnings
New office supports strategic balance sheet repositioning.

Threatens: Strategic balance sheet repositioning to enhance long-term earnings
Short-term pain may hinder strategic balance sheet repositioning.

Advances: Strategic balance sheet repositioning to enhance long-term earnings
Stock buyback aligns with strategic balance sheet repositioning.
Advances: Maintain dividend payments
Locking in a high yield supports dividend payment objectives.