Stock Ratings / Financials / BANC / financials

CUBI (65) BOH (72) FHB (63) NBTB (74) ⌘ Pro Terminal →

Banc of California Inc. (BANC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$18.59 +0.60% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.65

Banc of California Inc. (BANC) earns a Roarable Rating of B (Buy) with 75/100 RQD Confidence. High-quality cash engine (steady margins, 7% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate) →

ROARABLE B • BUY Cap $2.94B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $18.66 (+0.35%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 605.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 75/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.4% avg 90D alpha vs SPY • 69.7% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+7.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BANC)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (75/100 Composite)

🔍 WHY BANC SCORES 75/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (24% of score)

FRED Regime × Technicals: 43% of 52W Range • RSI-14 at 57.3 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (21% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$17.30-0.7% Next Q

Q2 (-2Q)

Grade B$17.18+4.3% Next Q

Q3 (-1Q)

Grade B$17.92+3.7% Next Q

Current

Grade B$18.59+7.4% Hist 90D α

Trajectory: B- (67) → B (75)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BANC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 75/100 (B) score, BANC faces multiple-compression risk if 12.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($18.01) or 200D SMA ($18.94) invalidates the momentum regime and cuts Target Base ($20.01) toward Bear Floor ($15.24).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BANC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BANC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 75%NO 25%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How BANC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$234.8M (605.2% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $33.8M

FY24

Rev $37.2M

FY25

Rev $38.8M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$38.8M	52%	0%	$229.0M	$234.8M	6.5%
FY 2024	$37.2M	52%	0%	$126.9M	$64.3M	6.5%
FY 2023	$33.8M	52%	0%	-$1.90B	$135.8M	6.5%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BANC)

✓Walkthrough of BANC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

BANC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -0.75%▲ RESISTANCE BREAKOUT

2026-10-30O $18.62H $18.62L $18.12C $18.59VOL 3.28M

RES: $18.33SUP: $16.06SMA50: $18.01SMA200: $18.94

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BANC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BANC Butterfly Map → + Track BANC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.8%/yr Implied 5Y Growth

vs. +4.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BANC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BANC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BANC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BANC)

Financials Rank #41 of 1096 ⚔️ CUBI vs BANC Full Matrix →

1. Head-to-Head Financials Peer Comparison (BANC vs. CUBI, BOH, FHB, NBTB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Banc of California Inc. (BANC) ranks #41 by composite RQD confidence (75/100, grade B) and #372 by equity capitalization ($2.94B). Within this direct 5-issuer industry benchmark cohort, FHB leads on earnings valuation at 11.3x trailing P/E, while BOH leads on capital efficiency and profitability with 11.1% ROIC and — gross margin. BANC currently leads its immediate peer cohort in composite quantitative strength at 75/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BANC ACTIVE Banc of California Inc.	B	75/100	12.8x	—	6.5%	+0.60%	$2.94B	Benchmark Subject
CUBI Customers Bancorp Inc	C	65/100	13.2x	—	10.6%	+0.93%	$2.96B	/cubi-vs-banc →
BOH Bank of Hawaii Corporation	B	72/100	13.4x	—	11.1%	+1.71%	$2.77B	/boh-vs-banc →
FHB First Hawaiian Inc.	C	63/100	11.3x	—	3.0%	+0.87%	$3.12B	/fhb-vs-banc →
NBTB NBT Bancorp Inc.	B	74/100	16.3x	—	8.9%	+1.92%	$2.75B	/nbtb-vs-banc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001169770

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Banc of California Inc. (BANC) reported GAAP revenue of $38.8M (+4.2% vs. FY2024 revenue of $37.2M , and +14.9% cumulative change since FY2023) , GAAP net income of $229.0M, operating cash flow of $255.6M, and free cash flow of $234.8M (+265.0% YoY). On the balance sheet, BANC closed FY2025 with $34.80B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$38.8M	$229.0M	$255.6M	$234.8M	$34.80B	—
FY2024 (FY)	2024-12-31	$37.2M	$126.9M	$77.4M	$64.3M	$33.54B	—
FY2023 (FY)	2023-12-31	$33.8M	-$1.90B	$135.8M	$135.8M	—	—

3. BANC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BANC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Banc of California Inc. (NYSE: BANC) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 75/100 at a spot price of $18.59 (+0.60% 1D, market cap $2.94B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BANC ranks #41 in composite RQD confidence.

How does BANC compare to CUBI and BOH in the Financials sector?

Within the Financials sector (Major Banks), BANC carries a Roarable B (75/100 RQD), trailing P/E of 12.8x, gross margin of —, and ROIC of 6.5%. By comparison, CUBI (Customers Bancorp Inc) holds a C grade (65/100 RQD, P/E 13.2x, ROIC 10.6%, cap $2.96B) and BOH (Bank of Hawaii Corporation) posts a B grade (72/100 RQD, P/E 13.4x, ROIC 11.1%, cap $2.77B). Among the 5-stock peer group, FHB leads on earnings multiple (11.3x) while BOH leads on capital efficiency (11.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BANC?

Per BANC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001169770), Banc of California Inc. generated $38.8M in revenue (+4.2% YoY), $229.0M in net income, and $234.8M in free cash flow against $34.80B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BANC trading relative to its 50-day, 200-day, and 52-week technical levels?

BANC last traded at $18.59 (+0.60% on volume of 3,052,149 shares), positioning the stock +3.22% above its 50-day simple moving average ($18.01) and -1.85% below its 200-day simple moving average ($18.94). Across its 52-week range of $16.12 to $21.93, BANC sits at the 42.5% percentile with a 14-day RSI of 57.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($17.70 to $19.48).

BANC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Banc of California Inc. (BANC)?

In FY 2025 (10-K), BANC converted $38.8M of revenue into a 52% gross margin, 0% operating margin, and $234.8M in free cash flow (605.2% FCF margin).

Direct Sub-Reports: BANC RQD Cockpit BANC 12M Forecast BANC Earnings & Move BANC Dividends & DRIP BANC Insiders & 13F BANC Whale Options BANC Profit Sankey BANC News & Why