Banc of California, Inc. (BANC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Banc of California, Inc. stock (BANC) is currently trading at $17.45. Banc of California, Inc. PE ratio is 14.38. Banc of California, Inc. PS ratio (Price-to-Sales) is 2.49. Analyst consensus price target for BANC is $23.59. WallStSmart rates BANC as Buy.
- BANC PE ratio analysis and historical PE chart
- BANC PS ratio (Price-to-Sales) history and trend
- BANC intrinsic value — DCF, Graham Number, EPV models
- BANC stock price prediction 2025 2026 2027 2028 2029 2030
- BANC fair value vs current price
- BANC insider transactions and insider buying
- Is BANC undervalued or overvalued?
- Banc of California, Inc. financial analysis — revenue, earnings, cash flow
- BANC Piotroski F-Score and Altman Z-Score
- BANC analyst price target and Smart Rating
Banc of California, Inc.
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BANC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Banc of California, Inc. (BANC)
BANC trades at a significant discount to its Graham intrinsic value of $54.76, offering a 63% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Banc of California, Inc. (BANC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Banc of California, Inc. (BANC) Key Strengths (7)
Keeps $41 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 55.30% year-over-year
Keeps $22 of every $100 in revenue as net profit
93.25% of shares held by major funds and institutions
Good growth relative to its price
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Banc of California, Inc. (BANC) Areas to Watch (3)
Low profitability relative to shareholder equity
Revenue is fairly priced at 2.49x sales
Solid revenue growth at 11.50% per year
Banc of California, Inc. (BANC) Detailed Analysis Report
Overall Assessment
This company scores 80/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including PEG Ratio (1.13), Price/Book (0.85) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.50%, Profit Margin at 21.80%. Growth metrics are encouraging with EPS Growth at 55.30%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (2.49) suggest expensive pricing. Growth concerns include Revenue Growth at 11.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BANC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BANC's Price-to-Sales ratio of 2.49x trades at a deep discount to its historical average of 28.32x (1th percentile). The current valuation is 98% below its historical high of 119.93x set in Mar 2006, and 0% above its historical low of 2.49x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Banc of California, Inc. (BANC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Banc of California, Inc. is a mature, profitable business with steady cash generation. Revenue reached 1.0B with 12% growth year-over-year. Profit margins are strong at 21.8%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 21.8% and operating margin of 40.5% demonstrate strong pricing power and operational efficiency.
Generating 99M in free cash flow and 102M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Banc of California, Inc..
Bottom Line
Banc of California, Inc. is a well-established business delivering consistent profitability with 21.8% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(30 last 3 months)
| Insider | Type | Shares |
|---|---|---|
LINDSAY, OLIVIA I CHIEF RISK OFFICER | Sell | -182 |
| Insider | Type | Shares |
|---|---|---|
WARBURG, PINCUS LLC Director | Sell | -4,250,000 |
| Insider | Type | Shares |
|---|---|---|
HUSSAIN, HAMID PRESIDENT OF THE BANK | Buy | +14,000 |
Data sourced from SEC Form 4 filings
Last updated: 10:05:40 AM
About Banc of California, Inc.(BANC)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Banc of California, Inc. is the banking holding company for Banc of California, the National Association that provides banking products and services in the United States. The company is headquartered in Santa Ana, California.