BANC
Banc of California, Inc. Financial Services - Banks - Regional Investor Relations →
Banc of California, Inc. (BANC) closed at $18.32 as of 2026-09-18, trading 25.4% above its 200-week moving average of $14.61. The stock is currently moving closer to the line, down from 26.3% last week. The 14-week RSI sits at 40, indicating neutral momentum.
Trading volume is running at 1.6x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.88 ratio) is neutral — neither side is clearly dominating.
Over the past 1208 weeks of data, BANC has crossed below its 200-week moving average 13 times. On average, these episodes lasted 33 weeks. Historically, investors who bought BANC at the start of these episodes saw an average one-year return of +7.8%.
With a market cap of $2.9 billion, BANC is a mid-cap stock. Return on equity stands at -0.7%. The stock trades at 1.0x book value.
Share count has increased 163.4% over three years, indicating dilution.
Over the past 23.2 years, a hypothetical investment of $100 in BANC would have grown to $174, compared to $1170 for the S&P 500. BANC has returned 2.4% annualized vs 11.2% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -26.1% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: BANC vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After BANC Crosses Below the Line?
Across 13 historical episodes, buying BANC when it crossed below its 200-week moving average produced an average return of +5.5% after 12 months (median +23.0%), compared to +9.8% for the S&P 500 over the same periods. 62% of those episodes were profitable after one year. After 24 months, the average return was -2.6% vs +14.2% for the index.
Each line shows $100 invested at the moment BANC crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices BANC would reach each dislocation threshold.
Dislocation Price Levels
Prices where BANC's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-10-21.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $17.85 | Unusually cheap — analysis point |
| Value | +1σ | $19.10 | Cheap vs. own history |
| Fair Value | +0σ | $20.53 | Historical mean behavior |
| Expensive | -1σ | $22.19 | Expensive vs. own history |
| Deep Expensive | -2σ | $24.15 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-07-29 | $0.40 | $0.38 | -4.8% |
| 2026-04-22 | $0.38 | $0.39 | +2.8% |
| 2026-01-21 | $0.37 | $0.42 | +13.7% |
| 2025-10-22 | $0.33 | $0.38 | +16.2% |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
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Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from BANC's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
BANC has crossed below its 200-week MA 13 times with an average 1-year return of +7.8% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jun 2007 | Jun 2007 | 2 | 1.9% | -35.8% | +36.9% |
| Jul 2007 | Oct 2007 | 12 | 13.1% | -49.1% | +34.5% |
| Oct 2007 | Nov 2010 | 163 | 72.1% | -53.5% | +35.1% |
| May 2014 | Jul 2014 | 11 | 14.6% | +39.0% | +153.5% |
| Sep 2014 | Mar 2015 | 23 | 10.3% | +10.6% | +112.9% |
| Oct 2016 | Oct 2016 | 1 | 1.9% | +75.8% | +82.6% |
| Oct 2018 | Nov 2018 | 4 | 8.9% | -5.7% | +45.3% |
| Dec 2018 | Jan 2021 | 109 | 61.0% | +7.2% | +41.8% |
| Dec 2022 | Dec 2022 | 1 | 3.2% | -3.4% | +36.2% |
| Mar 2023 | Oct 2024 | 85 | 34.2% | +1.5% | +34.6% |
| Jan 2025 | Jan 2025 | 1 | 1.5% | +38.6% | +29.0% |
| Feb 2025 | Jun 2025 | 19 | 17.2% | +37.4% | +27.9% |
| Jul 2025 | Aug 2025 | 2 | 2.8% | +38.6% | +33.4% |
| Average | 33 | — | +7.8% | — |
Frequently Asked Questions
Is BANC below its 200-week moving average?
No. Banc of California, Inc. (BANC) is currently 25.4% above its 200-week moving average of $14.61. It would need to fall to $14.61 to cross below the line.
What is BANC's 200-week moving average price?
Banc of California, Inc.'s 200-week moving average is $14.61 as of 2026-09-18. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when BANC drops below its 200-week moving average?
BANC has crossed below its 200-week moving average 13 times in our data. On average, buying at that moment produced a one-year return of +7.8%. These dips have historically been decent entry points. These episodes lasted 33 weeks on average.
Is BANC a good value right now?
Here's what our data says about BANC as of 2026-09-18: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 40. Return on equity is -0.7%. Price-to-book is 1.0x. This is not a buy or sell recommendation — always do your own research.
How does BANC compare to the S&P 500?
Over the past 23.2 years, $100 invested in BANC would have grown to $174, compared to $1170 for the S&P 500. That's 2.4% annualized vs 11.2% for the index. BANC has underperformed the broader market over this period.
Does BANC pay a dividend?
Yes. Banc of California, Inc. currently pays a dividend yield of 259.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-09-18