Banc of California (FRA:FPB) Moat Score: 4/10 (As of Jul. 01, 2026)


FRA:FPB Banc of California Inc FRA:FPB
66 GF Score
Price €17.70
GF Value €16.88
Valuation Fairly Valued
! 6 Warning Signs
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What is Banc of California Moat Score?

Banc of California FRA:FPB -2.08% 66 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates FRA:FPB with a GF Score™ of 66/100 and a GF Value™ of €16.88 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,613 Banks companies, Banc of California ranks better than 86.24% on this metric.

Banc of California has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Banc of California has Narrow Moat: Banc of California has a modest moat with a regional presence and customer relationships. However, it lacks significant economies of scale or unique intellectual property, limiting its competitive advantages to a narrow moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Banc of California might have Narrow Moat - Discernible but modest moat.

Banc of California  (FRA:FPB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Banc of California Moat Score Related Terms

FRA:FPB vs BOH, SBCF, TOWN: Moat Score Comparison

For the Banks - Regional subindustry, Banc of California's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Banc of California Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Banc of California's Moat Score distribution charts can be found below:

* The bar in red indicates where Banc of California's Moat Score falls into.


FRA:FPB
66GF Score
Banc of California Inc FRA:FPB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Banc of California (FRA:FPB) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Banc of California ranks #222 out of 1613 companies in the Banks industry, placing it in the top 13.8%.
Is Banc of California's Moat Score too high?
Banc of California's current Moat Score is 4. Based on the distribution chart, Banc of California ranks #222 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banc of California has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banc of California's Moat Score compare to BOH and SBCF?
According to the Banks industry distribution chart, Banc of California ranks #222 out of 1613 companies for Moat Score. This places Banc of California in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Banc of California's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banc of California stock overvalued right now?
Based on GuruFocus' analysis, Banc of California (FRA:FPB) is currently considered Fairly Valued. The stock's GF Value™ is €16.88, compared to a current price of €17.70 — trading 4.8% above its estimated fair value. The current Moat Score is 4. Banc of California's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Banc of California (FRA:FPB), the current Moat Score is 4 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banc of California (FRA:FPB) Overvalued in 2026?

Based on GuruFocus' analysis, Banc of California stock appears to be overvalued. The current stock price of €17.70 is trading 4.8% above its estimated GF Value™ of €16.88. GuruFocus considers Banc of California to be Fairly Valued.

Key valuation signals for FRA:FPB:

  • Moat Score: 4
  • GF Value™: €16.88 vs. price of €17.70 (4.8% above fair value)
  • GF Score™: 66/100 with 6 warning signs

No single metric tells the full story. See the FRA:FPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banc of California Business Description

Other Exchanges BANC:USA
Address 11611 San Vicente Boulevard, Suite 500, Los Angeles, CA, USA, 90049
Banc of California Inc is a financial holding company. It offers banking and financial services. Its services include banking services, lending services, and private banking services. Its deposit and banking product and service offerings include checking, savings, money market, certificates of deposit, and retirement accounts. Lending activities are focused on providing financing to California's diverse private businesses, entrepreneurs, and communities, and loans are often secured by California commercial and residential real estate. The company has one reportable segment named Commercial banking.
66GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€17.70
Price
€16.88
GF Value