BANC

Based on Banc of California, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Banc of California do?

Banc of California is the holding company for Banc of California, National Association. The bank provides deposit accounts, commercial and consumer loans, treasury management, and digital banking services, primarily to businesses and individuals in Southern California.

Does BANC pay dividends?

Yes, Banc of California pays a regular dividend. This is consistent with many regional bank holding companies that distribute a portion of earnings to shareholders. For current dividend amounts and payment dates, check the company's investor relations page.

When does BANC report earnings?

Banc of California reports financial results on a quarterly basis, as is standard for US-listed bank holding companies. For the exact schedule and most recent earnings releases, refer to the investor relations section of the company's official website.

Is BANC a good stock to buy?

UQS Score rates BANC as Below Average overall. The Valuation pillar is Attractive, but the Moat, Growth, and Risk pillars are all rated Weak. Whether it fits a portfolio depends on an investor's individual risk tolerance and objectives. The full pillar breakdown is available to UQS Pro members.

Is BANC overvalued?

Based on UQS Score's Valuation pillar, BANC is currently rated Attractive — meaning the stock does not appear expensive relative to its fundamentals. This may reflect the market pricing in the bank's weaker growth and risk profile rather than a hidden opportunity.

How does BANC compare to its competitors?

BANC competes with regional banks like CVB Financial, Provident Financial Services, and FB Financial. Each operates in different geographies and with different business mixes. UQS Score's side-by-side pillar comparisons for these peers are available on their respective pages.

What is BANC's market cap bracket?

Banc of California is classified as a mid-cap company. This places it in a tier where institutional coverage exists but liquidity and analyst attention may be less extensive than for large-cap bank peers.

Who founded Banc of California?

The institution traces its roots to 1941. The company adopted the Banc of California name in July 2013, previously operating as First PacTrust Bancorp, Inc. Detailed founding history is publicly available through the company's official disclosures.

Is BANC a long-term quality investment?

As a long-term quality indicator, UQS Score's Below Average rating — driven by Weak Moat, Growth, and Risk pillars — suggests BANC currently lacks the durable competitive advantages and growth consistency that typically characterize high-quality long-term holdings. The Attractive Valuation may offer some cushion, but quality concerns remain.

What is the main competitive advantage of Banc of California?

BANC's Moat pillar is rated Weak, indicating limited durable competitive advantages relative to peers. The bank's primary differentiation lies in its Southern California market presence and its focus on commercial real estate and business banking — though these are not unique in a crowded regional banking market.

What sector does BANC belong to?

Banc of California operates in the Financial Services sector, specifically within regional banking. Regional banks are sensitive to interest rate cycles, credit conditions, and local economic trends — all factors reflected in BANC's UQS pillar profile.

Is BANC a growth stock or value stock?

Based on UQS Score's pillar labels, BANC leans toward a value framing — its Valuation pillar is Attractive while its Growth pillar is Weak. This combination suggests the stock may be priced modestly, but without strong near-term growth catalysts to drive a re-rating.

Banc of California, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Banc of California, Inc. shows steady but unspectacular growth, typical for mature companies.

Banc of California, Inc. presents elevated risk with concerns around leverage or financial stability.

Banc of California, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Banc of California, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BANC.

The UQS (Unified Quality Score) for Banc of California, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Banc of California, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Banc of California, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.