Banc of California, Inc.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$25.56
FAIR PRICE
$19.34
MARGIN
$6.22
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FPI RATING
Consistent growth trajectory and attractive valuation, but below-average fundamental quality and volatile earnings pattern.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$15.47
Fair price × 0.80
DISTANCE
39.5%
Price to entry level
At the current price of $25.56, BANC-PF trades 39.5% above the conservative entry level of $15.47. This entry level represents a 20% margin of safety below the calculated fair price of $19.34 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate BANC-PF's fair price
Banc of California, Inc.'s fair price of $19.34 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $25.56, BANC-PF trades 24.3% above its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting BANC-PF's risk profile.
RELATIVE · 30%
Comparing BANC-PF's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for BANC-PF, weighted by recency and analyst accuracy.
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What is the fair price of BANC-PF?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Banc of California, Inc. is $19.34. At the current market price of $25.56, BANC-PF trades 24.3% above its calculated fair value.
Is BANC-PF overvalued or undervalued?+
Banc of California, Inc. is currently overvalued based on our valuation model. The stock trades at $25.56, which is 24.3% above the fair price of $19.34. The P/E ratio of 22.1x is a key metric in the valuation.
What is the margin of safety for BANC-PF?+
With a 20% margin of safety applied to the fair price of $19.34, the conservative entry level for BANC-PF is $15.47. At the current market price of $25.56, the stock trades 39.5% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is BANC-PF's fair price updated?+
We update fair price calculations for BANC-PF daily after market close. The current fair price of $19.34 incorporates the latest market data and sector multiples.
What factors affect BANC-PF's fair price calculation?+
BANC-PF's fair price of $19.34 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 22.1x, ROE of 6.4%.
Is BANC-PF a good buy right now?+
At $25.56, BANC-PF trades 24.3% above our fair value estimate of $19.34. The stock is currently overvalued. ROE stands at 6.4% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does BANC-PF pay dividends?+
BANC-PF does not currently pay a dividend.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.