Weak across most dimensions. This doesn't mean avoid, but the burden of proof is on the bull case.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Negative earnings, no valuation support
0.9x book, trading near or below equity
Below 2%, essentially flat
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Heavy dilution above 5%
Below 2%, weak capital productivity
9.7% equity/assets, comfortable cushion
Net margin compressed >2pp, profitability pressure
Banc of California (BANC) quality: score, margins and returns
Banc of California (BANC) scores 38/100 on Intrinsiqq's quality score (a lower-quality business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Banc of California (BANC) a high-quality business?+
Banc of California scores 38 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a lower-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Banc of California's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from BANC's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Banc of California scores well and where it falls behind.
How profitable is Banc of California?+
Banc of California runs a net margin of about -1.6%. Revenue has grown at roughly 341.0% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 28 Sept 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
National Commercial Banks · Pick stocks to compare with BANC
Held by ETFs
BANC is in 92 US ETFs. The largest of them, with BANC's weight in each:
Spot a number that looks wrong? Check it in BANC's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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