RankAlpha logo
Back to Rankings

BANC

Banc of CaliforniaC
NYSE / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
The repositioning appears to be lifting recurring earnings: third-quarter net interest income rose 9% sequentially, average deposits grew at an 8% annualized rate, and preliminary CET1 improved 45 basis points. [#SEC-8K-2026-10-27] Company release
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -5.2.
What can break
Noninterest-bearing deposits fell from 28% to 27% of total deposits sequentially, potentially limiting funding-cost improvement. [#SEC-8K-2026-10-27] Company release
Momentum
32
Value
50
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $19.00 · Bull $22.00 · Bear $15.00Analysis 2026-10-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-28 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-28

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-28. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $21.83
Why
Momentum32 · Δ7d +9.6
Value50 · Δ7d -0.9
Sentiment59 · Δ7d -5.2
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -5.2.

Contradictions & invalidation

  • • Noninterest-bearing deposits fell from 28% to 27% of total deposits sequentially, potentially limiting funding-cost improvement. [#SEC-8K-2026-10-27] Company release
  • • Real-estate credit exposure and remaining held-for-sale loans leave execution and provision risk despite improved third-quarter credit metrics. [#SEC-8K-2026-10-27] Company release
  • • The EPS beat was small: $0.46 versus a reported $0.45 consensus, while $303.8 million of revenue fell short of a reported $306.27 million consensus.

Catalyst clock

2026-10-28

Post-earnings call tests the repositioning thesis

Lead driver: Sentiment · See AI snapshot
Momentum
32
8% active weight
Current posture
7d trendImproving
Δ7d
+9.6
Δ21d
+1.7
Value
50
47% active weight
Current posture
7d trendFlat
Δ7d
-0.9
Δ21d
-1.0
Sentiment
59
45% active weight
Current posture
7d trendSoftening
Δ7d
-5.2
Δ21d
-13.9
Why this grade

Composite grade C. Momentum 31.6 / Value 50.2 / Sentiment 58.9

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-28. Scenario method

B+
Bull case
30%
Probability
Target price
$22.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$19.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$15.00
Analysis reference price unavailable
Analysis 2026-10-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$2.89B
Beta
0.73
Shares Out
158.43M
P/E (TTM)
19.3
P/S (TTM)
2.75
P/FCF (TTM)
25.27
Rev YoY
-60.2%
EPS YoY
-1485.7%
Gross Margin
-
Op Margin
-3.1%
Net Debt
$2.92B
Current Ratio
0.11
As of 2026-10-28 • Updated nightlySource: Internal modelMethods & Data