Banc of California stock
BANCNYSEBanc of California, Inc., Financial ServicesISIN US05990K1060
49Score 49 out of 100, Weak
Price and trend
57 / 100
Price history
+2.8% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 5.5% below it.
Since September 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 48).
The price is 18% below its 52-week high. Largest decline in 20 years: 83% (February 2007 to October 2009).
Chart figures for advanced users
- SMA 50$17.92
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$18.84
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)48
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$16.20
- The lowest closing price of the last twelve months.
- Resistance$21.83
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Banc of California, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $2.81B, is number 221 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.11B (up 12.7% year on year) and earnings of $228.97M (up 80.5%).
- For fiscal 2026, analysts expect on average revenue of $1.19B (up 7.3%) and adjusted earnings per share of −$0.27.
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- MEQIRI Score 49 out of 100 (Weak): rank 865 of 976 in Financial Services, median 68.
- Our model puts fair value at $17.04, with the price 5% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Growing faster than its industryRevenue up 35.5% a year since 2020, Banks (Regional) median 7.5%.Growth 77
Weaknesses
- DilutionShare count up 33% since 2020.Capital allocation 26
- Loss-makingLoss of $7.85M over the last 12 months.Fundamentals 51
- Low return on equityReturn on equity −0.2% over the last 12 months.Profitability 10
Its standout strength is growth, while capital allocation and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- weak fundamentals
What lowers it
- calm price action
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $13.10 and expensive above $24.34 (uncertainty medium, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $14.20, at 7.8% it would be $21.29.
Valuation metrics
From the excess return model alone; without earnings there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 5.2% on the twelve months before. Revenue has grown strongly since 2006, at around 23% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 29%, net 21%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net −1%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 20 Jan 2027in 69 days
- Last reported
- 27 Oct 2026EPS reported $0.46 (expected $0.45)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- −$0.27−0.4%
- Revenue
- $1.19B−0.2%
- Earnings per share
- $2.08−2.0%
- Revenue
- $1.3B−0.2%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +1.9%Banc of California narrowed its fourth quarter net interest margin guidance to 3.35% to 3.40%, up from a 3.35% exit rate in the third quarter, and reaffirmed pre-tax pre-provision income guidance of $125 million to $130 million with further upside expected from securities reinvestment and loan …
“To summarize our fourth quarter outlook, we continue to expect pre-tax, pre-provision income of $125 million-$130 million and a year-end CET1 ratio of between 9.80% and 9.90%, and we have revised our net interest margin outlook to 3.35%-3.40%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 28 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $99,754 in total. 3 insiders sold, $595,609 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Wolff Jared MPurchase
30 Oct 2026, CHAIRMAN AND CEO
- Shares
- 5,487
- Price
- $18.18
- Value
- $99,754
- Dotan IdoSale
10 Sept 2026, GENERAL COUNSEL, CORP SECRTY
- Shares
- 10,541
- Price
- $18.30
- Value
- $192,848
- Lindsay Olivia ISale
4 Aug 2026, CHIEF RISK OFFICER
- Shares
- 6,000
- Price
- $19.51
- Value
- $117,030
Show 1 more
- Corsini Bryan MSale
26 May 2026, CHIEF CREDIT OFFICER
- Shares
- 14,988
- Price
- $19.06
- Value
- $285,731
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Banc of California
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 49
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- SpareBank 1 OstlandetSPOL.OL $2.99B69
- Valiant HoldingVATN.SW $2.96B57
- Columbia FinancialCLBK $2.85B54
- Customers BancorpCUBI $2.84B75
- NBT BancorpNBTB $2.75B71
- FB FinancialFBK $2.74B68
- Bank of HawaiiBOH $2.74B65
- First BancorpFBNC $2.69B63
ETFs that hold Banc of California
Held by 12 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.17% | 0.30% | €2.28B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.09% | 0.30% | €2.17B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.09% | 0.30% | €185.82M |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.09% | 0.30% | €4.22B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.07% | 0.43% | €2.48B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.06% | 0.30% | €944.34M |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.03% | 0.39% | €1.47B |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.02% | 0.35% | €8.19B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 25 Sep 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.