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BANC · Banc Of California, Inc.

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$18.94 -0.36 (-1.87%) At close · Aug 19
Market Cap
$3.05B
Shares
157.95M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$18.94 Open$19.41 Day$18.88–19.41 52W close$15.56–21.83 Avg vol 30d3.3M Short int7.0M · 4.4% float · 1.5d Short vol55% Last earningsJul 29, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 7

Up next

Next earnings call
Oct 28, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 7, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Sell
      SellHoldBuy
      Technical Neutral Momentum Very Weak Sentiment Neutral Fundamentals Strong Quant / Vol Moderate
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg −1%
      below
      Price vs 50-day avg −6%
      below
      RSI (14) 40
      neutral
      MACD trend Negative
      52-week position 54%
      mid-range
      Volume (OBV) Bullish div.
      accumulating
      Momentum
      relative strength
      Very Weak
      1-month return −11%
      trailing
      6-month return −4%
      trailing
      YTD return −2%
      this year
      Relative strength −16%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $20 › 200d $19 — 50d above 200d
      Institutional flow Distributing
      -3% holders QoQ · +44 funds added
      Insider flow Distributing
      Net -$402.8K over 90 days · 100% sells
      Short interest Falling
      4.42% of float · ▼ -26.7% MoM · 1.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      308 holders — mid 3-yr range
      Squeeze score 39
      low risk · 0–100
      Fundamentals
      Strong
      Revenue growth −4%
      Y/Y
      EPS growth +125%
      Y/Y
      Free cash flow $234.8M
      Buyback $82.6M
      remaining
      Balance sheet $1.8B
      net debt
      Quant / Vol
      risk profile
      Moderate
      Volatility 32%
      annualized · 1-yr
      Max drawdown −21%
      past year
      ATR 2.8%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed Jul 29, 2026
      upon closing of the targeted loan sale
      Net interest margin 3.3%
      CET 1 capital ratio 9.45% – 9.5%
      end of the third quarter
      CET 1 capital ratio 9.5% – 9.6%
      By year-end
      NIM 3.3% – 3.4%
      ROATCE 11.5% – 12.5%
      4Q26
      PTPP Non-GAAP Initiated $125M – $130M
      '26 Year-end Target
      CET1 ratio 9.8% – 9.9%
      Early 2027
      CET1 ratio at least 10%
      Prior guidance period ended · from the 8-K filed Oct 22, 2025
      Noninterest expense (NIE) · 2025 $190M – $195M
      Customer related expenses · 2025 $27M – $29M
      ROTCE · 2025 at least 13%
      Total project and investment spend · 2025 $16M
      ROAA · 2025 at least 1.1%
      Guided vs delivered · last 1 settled
      EPS range 2024
      guided $1.65 – $1.80
      $0.52 Miss −69.9%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      2 · 4 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −1% Neutral
      Price vs 50-day avg
      −6% Bearish
      RSI (14)
      40 Neutral
      MACD trend
      Negative Bearish
      52-week position
      54% Neutral
      Volume (OBV)
      Bullish div. Bullish
      Market signals — smart money & positioning
      Bearish · 2 of 6
      Trend (MA cross) No cross
      50d $20 › 200d $19 — 50d above 200d
      Institutional flow Distributing
      -3% holders QoQ · +44 funds added
      Insider flow Distributing
      Net -$402.8K over 90 days · 100% sells
      Short interest Falling
      4.42% of float · ▼ -26.7% MoM · 1.5 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      308 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $16 Now $19 · 54% Range high $22
      vs 200-day avg -1% vs 50-day avg -6%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      ACL $276.2M 2Q26 —
      ACL ratio 1.14% 2Q26 —
      Adjusted ACL for total lower loss loan categories to adjusted loans and leases held for investme non-GAAP 1.7% 2Q26 —
      Adjusted allowance for credit losses non-GAAP $394.19M 2Q26 —
      GAAP → non-GAAP reconciliation
      GAAP Allowance for credit losses 276.24M
      +12.92M Add: Unearned credit mark from purchase accounting
      +105.03M Add: Credit-linked notes
      = Adjusted allowance for credit losses 394.19M
      Adjusted diluted earnings per common share non-GAAP -$1.61 2Q26 —
      Adjusted efficiency ratio non-GAAP 64.01% 2Q26 —
      Adjusted noninterest expense to average total assets non-GAAP 1.92% 2Q26 —
      average cost of borrowings 4.44% second quarter —
      Average loans $556.1M second quarter —
      Average loans up 9% 2Q26 —
      Average noninterest-bearing deposits 28.5% second quarter —
      average total cost of deposits 1.8% second quarter —
      average total cost of funds 2.14% second quarter —
      average yield on interest-earning assets 5.18% second quarter —
      average yield on loans and leases 5.63% second quarter —
      Book value per share $18.38 Second Quarter 2026 —
      C&I Utilization Rate 67.9% 2Q26 —
      Classified loans and leases as a percentage of total loans and leases held for investment 99 second quarter —
      Classified Loans/Leases to Loans/Leases HFI 2.41% 2Q26 —
      Core Deposits non-GAAP $25.3B 2Q26 —
      GAAP → non-GAAP reconciliation
      GAAP Total Deposits 28.12B
      -2.59B Less: Brokered CDs
      -227M Less: Brokered Non-maturity Deposits
      = Core Deposits 25.3B
      Core Loans non-GAAP $23.59B 2Q26 —
      Cumulative New NIB Business Deposits $1.21B 2Q26 —
      Delinquent Loans to Loans/Leases HFI 0.72% 2Q26 —
      Deposit Annualized Growth 12% Second Quarter 2026 —
      Economic Coverage Ratio non-GAAP 1.63% 2Q26 —
      Leverage Ratio 8.89% 2Q26 —
      Loan Average Annualized Growth 9% Second Quarter 2026 —
      Loan-to-deposit ratio 89.3% second quarter —
      Lower Loss Loans / Total Loans and Leases HFI 37.1% 2Q26 —
      Pre-tax pre-provision (loss) income non-GAAP -$173.5M 2Q26 —
      GAAP → non-GAAP reconciliation
      GAAP Total revenues (GAAP) 16.41M
      -189.87M Less: Noninterest expense (GAAP)
      = Pre-tax pre-provision (loss) income -173.46M
      ROATCE non-GAAP -13.3% Six Months Ended June 30, 2026 —
      Special mention loans and leases as a percentage of total loans and leases held for investment 154 second quarter —
      Special Mention Loans/Leases to Loans/Leases HFI 1.24% 2Q26 —
      Subordinated debt retirement $385M 2Q26 —
      Tangible common equity ratio non-GAAP 7.5% 2Q26 —
      Targeted Loan Sale $825M 2Q26 —
      Total deposits $799M second quarter —
      Total end-of-period deposits up 12% 2Q26 —
      Total Risk-Based Ratio 14.31% 2Q26 —
      Total Securities Yield 3.44% 2Q26 —
      yield pickup on redeployed balances 276 second quarter —
      Allowance for credit losses coverage 1.12% first quarter of 2026 —
      GAAP → non-GAAP reconciliation
      GAAP Net interest income 251.62M
      +35.33M Noninterest income
      -181.39M Noninterest expense
      = Pre-tax pre-provision income 105.55M
      Adjusted diluted earnings per share non-GAAP $1.35 FY2025 —
      Adjusted net earnings available to common and equivalent stockholders non-GAAP $218.2M FY2025 —
      Weighted average interest rate on loan production 6.83% Q4 FY2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      BANC
      Banc Of California, Inc.
      this stock
      		$3.05B -1.8% -3.8% — 4.4%
      MFG
      Mizuho Financial Group Inc
      		 $131.93B +38.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.6% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -1.2% — — 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      		 $101.11B +18.1% +7.2% 14.0 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      308
      % held
      101.1%
      Net QoQ
      +5.1M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      334
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      7.0M
      Days to cover
      1.5d
      Change
      -2.5M sh
      View
      Short Volume
      Short vol %
      55%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      609
      Value
      $12.9K
      As of
      Jul 29, 2026
      View
      Off-Exchange
      Off-exchange %
      37.2%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$402.8K
      Buyers / Sellers
      0 / 2
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $1.8B
      Net income (FY)
      $229.0M
      EPS diluted
      $1.17
      View
      Buybacks
      Authorized
      $300.0M
      Remaining
      $82.6M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 7, 2026
      This year
      10
      View
      Proposed Sales
      Value
      $117.0K
      Shares
      6.0K
      Filed
      Aug 4, 2026
      View
      Exempt Offerings
      Offering
      $7.2M
      Filed
      Sep 22, 2022
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 29, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      BANC -3.3% -11.2% -4.3% -1.1% -1.8%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY -2.9% -14.1% -15.8% -4.1% -14.6%

      Capital returns

      Latest dividend
      $0.12 / share · ex Jun 15, 2026
      Declared · upcoming
      $0.12 / share · ex Sep 15, 2026
      Raised 20%
      Paid (TTM)
      $0.44 / share · 4 payouts
      Dividend yield (TTM, derived)
      2.32%
      Buyback program · as of Jun 30, 2026
      Authorized
      $300.00M
      Spent (derived)
      $217.40M
      Remaining
      $82.60M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1169770 CUSIP 05990K106 13F (30d) 282 filings 282 filers Visit website Investor relations

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