NYSE: BANC · Regional Banks
Banc of California (BANC) fair value and price range
As of 2 Oct 2026, Faircurve's model values Banc of California (BANC) at $22.76 a share. The stock last closed at $17.74, which puts the model's fair value 28.3% above the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 2 Oct 2026. Banc of California, Inc.
Faircurve Insights · 2 Oct 2026
Banc of California, Inc. is a financial holding company that, through its subsidiary Banc of California, National Association, delivers a full spectrum of banking products and services across the United States.
On 2 Oct 2026, Faircurve's model found a fair value of $22.76 a share, the midpoint of 2,000 simulations. This fair value moved +1.9% since the previous run on 26 Sep 2026, which gave $22.33. The calibrated range over 63 trading days is $19.10 to $27.75, built from the fair value, and ranges built this way held the price 60% of the time at this horizon. The model grades the evidence behind this valuation as low.
The company's quality scores against comparable companies are not available on this sheet. The model compares it with FB Financial Corporation (FBK), Trustmark Corporation (TRMK), Bank of Hawaii Corporation (BOH), NBT Bancorp Inc. (NBTB), First Bancorp (FBNC), Customers Bancorp, Inc. (CUBI), Provident Financial Services, Inc. (PFS), and First Hawaiian, Inc. (FHB). The stock's moves around its last 8 earnings reports ranged from -11.0% to +6.8%, with a median size of 2.9%, ignoring direction.
Written from the figures on this page for the 2 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give BANC?
The calibrated range for BANC over 63 trading days is $19.10 to $27.75. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,327 past valuations, refreshed 26 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The price is below this range. For names with fair value 15 to 30% above price, the calibrated range has held the price 50% of the time over 63 trading days, and 47% ended below it; the typical move was +4.1%.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $17.67 to $28.78. In 81% of the simulations the fair value came out above the price the model ran on.
How does BANC compare with similar companies?
The companies in regional banks closest to Banc of California in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| FBK FB Financial Corporation | $53.42 | $46.37 | -13.2% | Fairly valued |
| TRMK Trustmark Corporation | $45.93 | $42.71 | -7.0% | Fairly valued |
| BOH Bank of Hawaii Corporation | $69.28 | $72.00 | +3.9% | Fairly valued |
| NBTB NBT Bancorp Inc. | $51.53 | $43.24 | -16.1% | Overvalued |
| FBNC First Bancorp | $62.33 | $41.85 | -32.9% | Overvalued |
| CUBI Customers Bancorp, Inc. | $75.47 | $108.67 | +44.0% | Undervalued |
| PFS Provident Financial Services, Inc. | $22.58 | $23.93 | +6.0% | Fairly valued |
| FHB First Hawaiian, Inc. | $25.26 | $23.23 | -8.0% | Overvalued |
When does BANC report earnings, and how has the stock reacted?
Banc of California's next earnings report is scheduled for 28 Oct 2026. Companies can move their dates.
How BANC moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 2.9%.
| Report date | Two session move |
|---|---|
| 29 Jul 2026 | -11.0% |
| 22 Apr 2026 | +1.9% |
| 21 Jan 2026 | +2.5% |
| 22 Oct 2025 | -1.4% |
| 23 Jul 2025 | -3.2% |
| 23 Apr 2025 | +6.8% |
| 23 Jan 2025 | -0.5% |
| 22 Oct 2024 | +3.3% |
Banc of California at a glance
Banc of California, Inc. is a financial holding company that, through its subsidiary Banc of California, National Association, delivers a full spectrum of banking products and services across the United States.
- Market value
- $2.8B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -34.2%
- Analysts with estimates
- 6
- Beta to the US market
- 1.11
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Banc of California on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for BANC was $22.33. As of 2 Oct 2026 it is $22.76, a change of +1.9%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Banc of California's valuation
Is Banc of California stock undervalued or overvalued?
Faircurve's model puts BANC's fair value at $22.76 a share against a last close of $17.74, as of 2 Oct 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is BANC's fair value?
$22.76 a share as of 2 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $17.67 to $28.78.
What price range does the model give BANC?
$19.10 to $27.75 over 63 trading days. Ranges built this way held the price 60% of the time across 4,327 past valuations, refreshed 26 Sep 2026.
When does Banc of California report earnings next?
The next report is scheduled for 28 Oct 2026. Companies can move their dates.
How much has BANC moved on past earnings reports?
Across its last 8 reports the median two session move was 2.9%, ignoring direction. The largest was -11.0% around the report of 29 Jul 2026.
How confident is the model in this valuation?
The model's evidence grade for BANC is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.