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BANC

Banc of CaliforniaC
NYSE / Banks
Last Price
At close
2026-07-20
View Chart
Current thesis
Bull scenario assumes continued improvement in loan growth, stable credit, and operational leverage that pushes the stock toward analyst highs; favorable interest income and controlled costs drive EPS upside.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-21.
What can break
Concentrated commercial deposit outflows
Momentum
53
Value
48
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $21.94 · Bull $26.25 · Bear $16.00
Earnings
2026-07-21
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $23.14
Why
Momentum53 · Δ7d -0.3
Value48 · Δ7d -0.1
Sentiment53 · Δ7d -7.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
53
26% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-18.8
Value
48
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.1
Sentiment
53
34% active weight
Current posture
7d trendSoftening
Δ7d
-7.3
Δ21d
-3.7
Why this grade

Composite grade C. Momentum 52.6 / Value 47.7 / Sentiment 52.8

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$3.21B
Beta
0.73
Shares Out
154.2M
P/E (TTM)
19.3
P/S (TTM)
2.75
P/FCF (TTM)
25.27
Rev YoY
+0.6%
EPS YoY
+49.8%
Gross Margin
-
Op Margin
+26.0%
Net Debt
$2.92B
Current Ratio
0.09
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology