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Banc Of California Inc.  (BANC)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
 
Price: $18.0900 $0.12 0.668%
Day's High: $18.09 Week Perf: 5.24 %
Day's Low: $ 17.91 30 Day Perf: 5.17 %
Volume (M): 187 52 Wk High: $ 22.09
Volume (M$): $ 3,390 52 Wk Avg: $19.03
Open: $18.04 52 Wk Low: $16.72



 Market Capitalization (Millions $) 1,124
 Shares Outstanding (Millions) 62
 Employees 1,679
 Revenues (TTM) (Millions $) 332
 Net Income (TTM) (Millions $) 126
 Cash Flow (TTM) (Millions $) -20
 Capital Exp. (TTM) (Millions $) 4

Banc Of California Inc.

Banc of California’ mission and vision guide its strategic plan. The Company is focused on California and core banking products and services designed to cater to the unique needs of California's diverse private businesses, entrepreneurs and communities.


As part of delivering on our value proposition to clients, we offer a variety of financial products and services designed around our target client in order to serve all of their banking and financial needs. This includes both deposit products offered through the Company's multiple channels that include retail banking, business banking and private banking, as well as lending products including residential mortgage lending, commercial lending, commercial real estate lending, multifamily lending, and specialty lending including Small Business Administration (SBA) lending, commercial specialty finance and construction lending.


The Bank’s deposit and banking product and service offerings include checking, savings, money market, certificates of deposit, retirement accounts as well as online, telephone, and mobile banking, automated bill payment, cash and treasury management, master demand accounts, foreign exchange, interest rate swaps, trust services, card payment services, remote and mobile deposit capture, ACH origination, wire transfer, direct deposit, and safe deposit boxes. Bank customers also have the ability to access their accounts through a nationwide network of over 55,000 surcharge-free ATMs.

Our operations are managed based on the operating results of four reportable segments: Commercial Banking, Mortgage Banking, Financial Advisory, and Corporate/Other. Our chief operating decision-maker uses financial information from our four reportable segments to make operating and strategic decisions. For financial information about our reportable segments,

The Company offers a number of commercial and consumer loan products, including commercial and industrial loans, commercial real estate loans, multi-family loans, SBA guaranteed business loans, construction and renovation loans, lease financing, single family residential (SFR) mortgage loans, warehouse loans, asset-, insurance- or security-backed loans, home equity lines of credit (HELOCs), consumer and business lines of credit, and other consumer loans.


Legal lending limits are calculated in conformance with OCC regulations, which prohibit a national bank from lending to any one individual or entity or its related interests on any amount that exceeds 15 percent of the bank’s capital and surplus, plus an additional 10 percent of the bank’s capital and surplus, if the amount that exceeds the bank’s 15 percent general limit is fully secured by readily marketable collateral.

Commercial and industrial loans are made to finance operations, provide working capital, or to finance the purchase of assets, equipment or inventory. A borrower’s cash flow from operations is generally the primary source of repayment. Accordingly, our policies provide specific guidelines regarding debt coverage and other financial ratios. Commercial and industrial loans include lines of credit and commercial term loans. Lines of credit are extended to businesses or individuals based on the financial strength and integrity of the borrower and guarantor(s) and generally are collateralized by short-term assets such as accounts receivable, inventory, equipment or real estate and have a maturity of one year or less. Commercial term loans are typically made to finance the acquisition of fixed assets or refinance short-term debt originally used to purchase fixed assets. Commercial term loans generally have terms of one to five years. They may be collateralized by the asset being acquired or other available assets.

Commercial real estate and multi-family real estate loans are secured primarily by multi-family dwellings, industrial/warehouse buildings, anchored and non-anchored retail centers, office buildings and hospitality properties, on a limited basis, primarily located in the Company’s market area, and throughout the West Coast.
The Company’s loans secured by multi-family and commercial real estate are originated with either a fixed or adjustable interest rate. The interest rate on adjustable-rate loans is based on a variety of indices, generally determined through negotiation with the borrower. LTV ratios on these loans typically do not exceed 75 percent of the appraised value of the property securing the loan. These loans typically require monthly payments, may contain balloon payments and generally have maximum maturities of 30 years.

The Company provides numerous SBA loan products through the Bank. The Bank’s Preferred Lender Program (PLP) status generally gives it the authority to make the final credit decision and have most servicing and liquidation authority.

Commercial equipment leasing and financing was introduced as a product in the third quarter of 2012 to meet the needs of small and medium-sized businesses for growth through investments in commercial equipment. The Company provides full payout capital leases and equipment finance agreements for essential use equipment to small and medium sized business nationally. The terms are 1 to 7 years in length and generally provide more flexibility to meet the equipment obsolescence needs of small and medium sized businesses than traditional business loans.

Our construction loans primarily relates to single family residential properties. The Company may in the future originate or purchase loans or participations in construction, renovation and rehabilitation loans on residential, multi-family and/or commercial real estate properties.



   Company Address: 3 MacArthur Place Santa Ana 92707 CA
   Company Phone Number: 361-2262   Stock Exchange / Ticker: NYSE BANC
   BANC is expected to report next financial results on November 07, 2022.


Customers Net Income grew by BANC's Customers Net Profit Margin grew to

83.4 %

19.64 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

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