Insider buying last 90 days
No open-market insider purchases were filed for BANC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every BANC insider filing, plotted on the chart in Gekko.Open BANC in Gekko
NYSE: BANC
Banc of California (BANC) Stock Analysis & Forecast
Oct 12 close
$17.33+0.03 (+0.2%)
Gekko Brief
AI summaryOct 12 closeBanc of California's stock this week reflects continued reaction to its reported quarterly results, with a diluted loss of $1.61 per share in a quarter that fell short of analyst expectations for a profit. Barclays maintained its Overweight rating on the stock and raised its price target to $23.00, citing solid profitability and momentum even as some commentary flagged elevated downside risk and a neutral near-term sentiment. Separate coverage also highlighted the company's dividend profile.
Shares closed at $17.33, down from both the 50-day average of $18.45 and the 200-day average of $19.10, with the shorter average also below the longer one. Over the past month the stock is off 6.6%, and over three months down 15.8%. The GekkoIndex reads 65.3, placing BANC in the Accumulation zone. The price sits 12.6% below the Gekko Fair Value of $19.83.
BANC's next earnings report is scheduled for 27 October 2026, 15 days away, falling within a typical 20-trading-day holding window. The prior quarter saw a reaction of -11% following results tied to a large securities repositioning and sub-debt retirement. No insider, Congress, or unusual options activity appears in the current window. Seasonally, the next 20 trading days have averaged a 5.6% gain across 5 years, with gains in 4 of them.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Banc of California price vs fair value
Close $17.33200-day averageGekko Fair Value $19.83
Banc of California quick facts
- Market cap
- $2.66B
- P/E ratio
- —
- Forward P/E
- 12
- EPS, TTM
- −$0.42
- Revenue, TTM
- $690.2M
- Profit margin
- -3.2%
- Dividend yield
- 2.56%
- Beta
- 1.21
- Volume
- 1.28M avg 2.52M
- 1-year return
- −1.5%
- Typical daily move
- ±2.3%
- Typical 20-day move
- ±5.4%
- 50-day average
- $18.45
- 200-day average
- $19.10
- Next earnings
- Oct 27
- Shares outstanding
- 158.0M
Banc of California swing-trade checklist
Banc of California scores 3 supportive, 0 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive0 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $17.33 is below the 50-day ($18.45) and 200-day ($19.10) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
65.3, Accumulation
Reading 65.3 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
12.6% below
Price is 12.6% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 15 days
Reports on Oct 27, 2026, 15 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+5.6% on average
From this point in the calendar, the next 20 trading days averaged +5.6% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Banc of California stock chart and price history
Banc of California closed at $17.33 on Oct 12, 2026, −1.5% over the past year, inside a 52-week range of $15.33 to $21.93.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −6.6%
- 3 months
- −15.8%
- 6 months
- −6.7%
- 1 year
- −1.5%
The full BANC chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open BANC in Gekko
Follow Banc of California through every session
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About Banc of California
Banc of California functions as a holding company whose banking arm, Banc of California, National Association, serves customers nationwide with everyday banking products. Clients can open checking, savings, money market, and retirement accounts, along with demand accounts and certificates of deposit, while borrowers can tap loans for homes, small businesses, and commercial ventures. The bank has become associated with its wide reach into both personal and business financing needs.
On the lending side, the company handles commercial and industrial credit, loans tied to commercial real estate and multifamily housing, construction financing, warehouse lending, and SBA-backed loans, while individual customers can access mortgages, home equity lines of credit, and other consumer loan products. It rounds out its offerings with treasury and cash management tools, bill pay, mobile deposit, wire and ACH transfers, card services, online banking, interest rate swaps, and safe deposit box rentals. The company also holds investments such as collateralized loan obligations, agency and mortgage-backed securities, municipal bonds, and corporate debt, and it operated 29 branches across Southern California as of the close of 2020.
The company traces its roots to 1941 and is headquartered in Santa Ana, California, having taken its current name in mid-2013 after previously operating as First PacTrust Bancorp. Its stock trades on the NYSE under the ticker BANC.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Regional banks
- Website
- bancofcal.com
Banc of California GekkoIndex: the smart money zone
Banc of California’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.3, in the Accumulation zone, unchanged over five sessions.
65.3Accumulation
Unchanged over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 30 | +2.0% | +4.7% | ||
| Accumulation (current zone) | 185 | +0.6% | +1.9% | ||
| Neutral | 439 | +0.3% | +0.7% | ||
| Distribution | 26 | −1.8% | −0.5% | ||
| Selling | 2 | Too few readings yet | |||
Average BANC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the BANC price, zone by zone.Track BANC in Gekko
Is Banc of California stock overvalued? Gekko Fair Value
Banc of California trades 12.6% below Gekko Fair Value of $19.83, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Banc of California shares are worth, recalculated every trading day.
$19.83
Gekko Fair Value, Oct 10, 2026
12.6% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open BANC in Gekko
Banc of California insider and Congress trading
No open-market insider purchases were filed for Banc of California, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in BANC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for BANC, plotted on the chart in Gekko.Open BANC in Gekko
Buybacks
Banc of California has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $551K
- As a share of market cap
- 0.02%
From company filings.
Banc of California earnings: next date and track record
Banc of California reports on Oct 27, 2026 (15 days away), and beat the EPS estimate in 6 of its last 7 reports.
Next earnings report
Oct 27, 2026
15 days away
- EPS estimate
- $0.45
- Revenue estimate
- $306.3M
6 of 7reports beat the EPS estimate
±3.2%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 29, 2026 AI summary
- What they said
- Banc of California reported a challenging GAAP quarter driven by strategic, one-time balance sheet actions but presented a constructive outlook. Management executed a large securities repositioning ($2.3B moved from held-to-maturity and mostly sold), a targeted loan sale (~$825M), and the early retirement of $385M of subordinated debt. The moves produced an immediate pretax loss on sale (~$256.7M) and a reported net loss available to common shareholders of $251.3M (~$1.61 per diluted share). However, these actions materially increased the yield on redeployed proceeds (weighted average reinvested yield ~4.87%, ~276 bps pickup), shortened portfolio duration (5 to 4 years), reduced risk-weighting, and are expected to expand net interest margin and recurring net interest income. Loan and deposit production were strong (9% annualized loan growth; 12% annualized deposit growth; $2.8B loan production). Management emphasized continued focus on credit/expense discipline, selective loan growth, deposit retention initiatives (Project Stay), and new business initiatives (payments, private banking). They provided targets for margin and returns and highlighted capital improvement via loan sales and securities' reinvestments, noting an expected tangible book value earn-back of ~1.4 years.
- Guidance
- Net interest margin: ~3.30% in Q3 (3.30% to 3.40% range cited). PTPP (pre-tax, pre-provision) target of $125M to $130M by year-end. ROTCE target: 11.5% to 12.5% by year-end. Loan growth guidance: mid-single-digit for the year (management expects to outpace it). Provisioning normalized run-rate: roughly $9M–$12M per quarter. Tax rate expected to tick down ~1–2 percentage points across remaining quarters.
- Risks flagged
- Execution and accounting risk from large loan sales and securities repositioning (near-term pretax loss realized). Loan sale closing/diligence risk (buyers can kick loans). Elevated FDIC assessments expected to normalize early 2027. Continued macro uncertainty (rate moves, inflation, geopolitical risks) that could affect loan demand, funding costs, credit performance, and deposit behavior. Residual asset-quality questions (NPAs and previously highlighted problem loans) and potential for deposit volatility.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 29, 2026 | $0.13 est $0.40 | $285.7M est $295.3M | −11.0% |
| Apr 22, 2026 | $0.39 est $0.38 | $286.9M est $290.7M | +1.9% |
| Jan 21, 2026 | $0.42 est $0.37 | $292.9M est $291.1M | +2.5% |
| Oct 22, 2025 | $0.38 est $0.32 | $286.4M est $283.5M | −1.4% |
| Jul 23, 2025 | $0.31 est $0.26 | — | −3.2% |
| Apr 23, 2025 | $0.26 est $0.24 | $264.0M est $270.9M | +0.8% |
| Mar 3, 2025 | $0.34 | $449.0M | −4.4% |
| Jan 23, 2025 | $0.28 est $0.23 | — | −0.5% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Banc of California stock forecast and analyst price targets
Analysts’ average 12-month price target for Banc of California is $21.83, +26.0% from the last close, from 10 firms rating the stock in the last 90 days.
$21.83consensus 12-month target, +26.0% from the last close
Now $17.33Avg $21.83
Low $20High $24
Each firm’s latest rating in the last 90 days: 10 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 6 | Raymond James | $22 | +26.9% |
| Oct 5 | Barclays | $23 | +32.7% |
| Oct 1 | J.P. Morgan | $22 | +26.9% |
| Oct 1 | Piper Sandler | $22 | +26.9% |
| Sep 29 | Wells Fargo | $22 | +26.9% |
+1.9%average 20-day move after past Accumulation readings
+5.6%average move over the next 20 trading days in the last 5 years
±2.3%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Banc of California seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Banc of California averaged +5.6% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.3% | 3 of 5 |
| Next 10 trading days | −0.8% | 3 of 5 |
| Next 15 trading days | +1.8% | 4 of 5 |
| Next 20 trading days | +5.6% | 4 of 5 |
| Next 30 trading days | +6.0% | 4 of 5 |
For scale, BANC’s typical 20-trading-day move in either direction is about 5.4%.
Banc of California market cap and key statistics
Banc of California’s market cap is $2.66B and revenue of $690.2M over the last twelve months.
Valuation
- Market cap
- $2.66B
- Forward P/E
- 12
- EPS, TTM
- −$0.42
- Gekko Fair Value
- $19.83
Trading
- Volume
- 1.28M
- Avg volume, 20 days
- 2.52M
- 52-week high
- $21.93
- 52-week low
- $15.33
- Shares outstanding
- 158.0M
Financials
- Revenue, TTM
- $690.2M
- Profit margin
- -3.2%
- Return on equity
- -0.6%
- Quarterly earnings growth, YoY
- +49.7%
Risk and income
- Beta
- 1.21
- Typical daily move
- ±2.3%
- Typical 20-day move
- ±5.4%
- Dividend yield
- 2.56%
Banc of California stock news this week
Coverage of Banc of California this week reads negative: 1 positive, 1 neutral and 2 negative headlines.
- Banc of California, Inc. Common Stock (NYSE:BANC) Stock QuoteFinancialContent, Oct 8
- (BANC) Price Dynamics and Execution-Aware PositioningStock Traders Daily, Oct 6
- Banc of California stock faces a USD 1.61 quarterly lossAD HOC NEWS, Oct 5
- BANC Maintained by Barclays -- Price Target Raised to $23.00GuruFocus, Oct 5
- Why Banc of California (BANC) is a Great Dividend Stock Right NowZacks Investment Research, Oct 5
Banc of California peers
Banc of California’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
Banc of California stock FAQ
What is Banc of California’s market cap?
Banc of California’s market cap is $2.66B at the Oct 12, 2026 close of $17.33, with 158.0M shares outstanding.
What is the Banc of California stock forecast?
The consensus analyst 12-month price target for Banc of California is $21.83, +26.0% from the last close. Of the 10 firms that rated the stock in the last 90 days, 8 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Banc of California stock overvalued or undervalued?
On Gekko’s estimate Banc of California is undervalued: the Oct 12, 2026 close of $17.33 is 12.6% below Gekko Fair Value of $19.83. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Banc of California report earnings next?
Banc of California is expected to report on Oct 27, 2026 (15 days away). Analysts expect earnings of $0.45 per share on revenue of $306.3M. Banc of California beat the earnings estimate in 6 of its last 7 reports, moving 3.2% on average across the report.
What is Banc of California’s 52-week high and low?
Banc of California’s 52-week high is $21.93 and its 52-week low is $15.33; it closed at $17.33 on Oct 12, 2026, −1.5% over the past year. Over the last five years the shares peaked at $22.09 on Nov 22, 2021.
Is Banc of California stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality) and 2 as headwinds (trend and earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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