Banc of California

BANC

Banks - Regional · Financial Services

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Good

Growth

Mixed

Capital Strength

Exceptional

Asset Quality

Good

Valuation

Data not available

Dividends

Good

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Winston Score History

The full picture

Banc of California is a regional bank headquartered in Los Angeles that serves businesses, real estate investors, and individuals across California. It offers everyday banking services like checking and savings accounts, along with loans for commercial real estate, small businesses, and residential properties. The bank completed a major merger with PacWest Bancorp in 2023, roughly doubling its size and making it one of the larger California-focused regional banks.

The bank earns money primarily through the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It operates mainly in California, with a focus on Southern California, and reported roughly $38 billion in total assets following the PacWest merger. Its main competitive edge is its deep focus on California business banking, but its key risk is concentration — being heavily tied to one state's economy and commercial real estate market means a downturn in either could put meaningful pressure on loan performance and earnings.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-7.5% YoY

YoY Growth Rate

Revenue declining

EPS Growth

<−1,000% YoY

YoY Growth Rate

Earnings declining

Insider Activity

7.4%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$31.5B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Banc of California's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Return on owners' money

Return on Equity

8.3%

no trend

Below its cost of capital — 8.3%

Standard mid-range return on equity. Acceptable.

Profit on lending

Net Interest Margin

3.32%

no trend

Healthy — 3.32% net interest margin

Cost of running the bank

Efficiency Ratio

58.5%

no trend

Efficient — 58.5% efficiency ratio

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Growth

Sales growth

Sales YoY

+1.0%

Nearly flat sales (+1.0% YoY)

Profit growth

EPS YoY

-162.7%

Earnings shrinking (-162.7% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion

Capital Ratio

13.5%

no trend

Fortress balance sheet — 13.5% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid

Non-Performing Loans

1.33%

no trend

Some stress — 1.33% non-performing loans

Between 1% and 2% of loans are struggling. Worth watching, but not alarming.

Loans written off

Net Charge-Offs

0.22%

no trend

Minimal losses — 0.22% net charge-offs

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

2.30%

no trend

Moderate income — 2.30% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+10.0%

no trend

Dividend growing modestly (10.0% YoY)

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