BANC Banc of California, Inc. - Fundamental Analysis
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BANC Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$19.92
Analyst Target
$23.14
+16.1%
Upside
52W High
$21.61
52W Low
$11.52
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
BANC exhibits mixed financial health with a weak Piotroski F-Score of 4/9, indicating borderline stability, and a missing Altman Z-Score prevents a full distress risk assessment. While earnings growth is strong (56.8% YoY) and profitability margins are high, low ROE (5.99%) and ROA (0.62%) suggest inefficient asset utilization. The stock trades below the analyst target of $23.14 but above the conservative Graham Number of $21.94, implying modest upside with moderate risk. Insider selling and a bearish technical trend temper otherwise positive growth and valuation signals.
Key Strengths
Strong year-over-year earnings growth of 56.8%
Consistently beats earnings estimates, with 3 out of last 4 quarters above expectations
High operating margin of 40.53% indicating strong cost control
Attractive dividend yield of 1.93% with a sustainable payout ratio of 34.19%
Forward P/E of 9.78 is below sector average, suggesting potential undervaluation
Key Risks
Low Piotroski F-Score of 4/9 signals weak financial health
Missing Altman Z-Score creates uncertainty around bankruptcy risk
Insider selling activity: $0.67M in net sales over last 6 months
Very low technical trend score of 10/100 indicates near-term bearish momentum
ROA of 0.62% and ROE of 5.99% are below industry benchmarks for efficiency
AI Fair Value Estimate
Based on comprehensive analysis
$22.5
+13.0% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare BANC against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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