Banc Of California, Inc. (BANC)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$18.56+1.03%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · BANC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -31.1% |
| Our one-year growth estimate | diamond | -12.0% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 19.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
BANC — earnings miss
Dated 2026-07-29
Results of Operations and Financial Conditions. On July 29, 2026, Banc of California, Inc. (the “Company”) issued a press release announcing financial results for the second quarter ended June 30, 2026. A copy of the press release is furnished herewith as Exhibit 99.1 and is incorporated by reference herein.
Why it matters: Management said Q4 would get a full quarter of earnings from new securities and more gains from loan sales. A higher margin would show these changes are paying off.
Supportive ifQ4 net interest margin rises above 3.34%, the Q3 level, and net interest income grows from $272.4 million.
Worry ifQ4 net interest margin is 3.34% or lower, or net interest income falls below $272.4 million.
Why it matters: More deposits and less brokered funding can support the bank's loan growth. Q3 average deposits grew 8% annualized, versus 6% for loans.
Supportive ifIn Q4, average deposits grow at least 6% annualized and faster than average loans. Brokered funding does not rise.
Worry ifAverage deposits are flat or fall in Q4, grow more slowly than loans, or brokered funding rises.
Why it matters: The bank sold selected commercial real estate and construction loans after recording large credit charges. Rising problem loans could weaken the benefit of that action.
Worry ifNonperforming or classified loans rise from Q3 levels as a share of loans. Or quarterly provision expense exceeds $10.4 million.
Less concerning ifNonperforming and classified loans keep falling as a share of loans. Provision expense stays at or below $10.4 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$117 on $10,000 · ±1.2% | How much price usually moves either way. |
| Bad day | $234 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,222 loss on $10,000 · 22.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.