<p>加州银行（Banc of California，BANC）股票近期小幅上涨，今年迄今股价上涨约 12%，过去三个月回报约为 10%。投资者似乎在考虑公司的增长故事，因为市场正在评估近期的表现。</p>
<p>查看我们对加州银行的最新分析。</p>
<p>加州银行今年最新的股价回报接近 12%，在过去一个季度中动能加速。过去十二个月的总股东回报为 8%，这表明投资者对短期表现和银行的长期前景充满信心。</p>
<p>如果你对其他可能正在积聚动能的股票感到好奇，这是一个发现高内部持股的快速增长股票的绝佳机会。</p>
<p>但随着股价持续上涨，真正的问题是加州银行当前的价格是否反映了其强劲的增长和改善的基本面，或者投资者是否仍有机会从进一步的上涨中受益。</p>
<h2>最受欢迎的叙述：15.7% 低估</h2>
<p>在 17.06 美元的收盘价，加州银行的最后交易价格显著低于叙述的公允价值 20.23 美元。这一差距反映了对未来增长和收益的乐观假设，这可能为基于公司特定催化剂的进一步上涨奠定基础。</p>
<blockquote>
<p><em>与太平洋西部银行的成功合并整合正在释放成本协同效应、收入交叉销售机会和规模效益。这些因素已经在推动有形账面价值扩张和利润率改善，并可能进一步提升未来的盈利能力。</em></p>
</blockquote>
<p>阅读完整叙述。</p>
<p>好奇大胆的并购赌注和快速的数字进步如何结合推动这一估值目标？在这一计算的核心，有一个令人惊讶的战略转折推动着利润跃升的预测。想知道数字背后是什么吗？了解共识认为将推动更高价格的因素。</p>
<p><strong>结果：公允价值为 20.23 美元（低估）</strong></p>
<p>完整阅读叙述，了解预测背后的原因。</p>
<p>然而，贷款增长放缓或存款成本意外上升可能迅速改变市场情绪，并挑战银行的积极前景。</p>
<p>了解加州银行叙述的关键风险。</p>
<h2>另一种观点：通过倍数的视角</h2>
<p>虽然市场认为加州银行相对于叙述的公允价值被低估，但仔细观察其市盈率却呈现出不同的画面。该公司以 15.7 倍的收益交易，而行业平均为 11.1 倍，同行平均为 14.1 倍。它的市盈率也高于自身的公允比率 15.4 倍。这表明投资者已经为潜在增长支付了溢价，如果预期未能实现，未来的上涨空间可能会受到限制。这一更高的估值是否对未来的投资者发出谨慎信号，还是机会？</p>
<p>查看数字对这一价格的看法——在我们的估值分析中了解更多。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/ffa79d05-ace1-4094-8039-e3e98cdf0450/chart/pe-multiple-vs-industry?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/ffa79d05-ace1-4094-8039-e3e98cdf0450/chart/pe-multiple-vs-industry"/></p>
<p>截至 2025 年 11 月的纽约证券交易所：BANC 市盈率</p>
<h2>自己构建加州银行叙述</h2>
<p>如果你想要一个新的视角或更信任自己的分析，可以在几分钟内深入数字，构建自己的叙述。按照你的方式进行。</p>
<p>加州银行研究的一个很好的起点是我们的分析，强调 3 个关键收益和 1 个重要警示信号，这可能会影响你的投资决策。</p>
<h2>寻找更多投资想法？</h2>
<p>为什么只停留在一个机会，当你可以通过针对重要策略来保持领先于市场趋势？通过这些精心挑选的列表将你的投资提升到一个新水平，不要错过今年的大动作：</p>
<ul>
<li>通过寻找这 25 只推动人工智能深入各个行业的 AI 便士股票，发现潜在的市场颠覆者。</li>
<li>通过这些 16 只收益超过 3% 的股息股票提升你的投资组合收入，这些股票提供超过 3% 的吸引人收益和经过验证的财务实力。</li>
<li>通过调查这 82 只在数字资产和区块链解决方案中引领增长的加密货币和区块链股票，乘风破浪，迎接金融创新。</li>
</ul>
<p><em>本文由 Simply Wall St 撰写，内容具有一般性。<strong>我们基于历史数据和分析师预测提供评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成购买或出售任何股票的推荐，也不考虑你的目标或财务状况。我们的目标是为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>

加州银行

<p>加州银行的股票年初至今上涨了 12%，其公允价值估计为 20.23 美元，表明目前的 17.06 美元价格被低估。与太平洋西部银行的成功合并正在通过成本协同和收入机会提升盈利能力。然而，股票的高市盈率表明投资者为增长支付了溢价，如果预期未能实现，未来的上涨空间可能会受到限制。风险包括潜在的贷款增长放缓和存款成本上升</p>

<p>Banc of California (BANC) shares have edged higher lately, with the stock up about 12% year to date and returning roughly 10% over the past three months. Investors seem to be considering the company’s growth story as markets assess recent performance.</p>
<div class="lb-trans"><p>加州银行（Banc of California，BANC）股票近期小幅上涨，今年迄今股价上涨约 12%，过去三个月回报约为 10%。投资者似乎在考虑公司的增长故事，因为市场正在评估近期的表现。</p>
</div><p>See our latest analysis for Banc of California.</p>
<div class="lb-trans"><p>查看我们对加州银行的最新分析。</p>
</div><p>Banc of California’s latest share price return of nearly 12% this year stands out, with the momentum picking up pace over the past quarter. The total shareholder return over the last twelve months is a solid 8%, which suggests investors are gaining confidence in both near-term performance and the bank’s long-term prospects.</p>
<div class="lb-trans"><p>加州银行今年最新的股价回报接近 12%，在过去一个季度中动能加速。过去十二个月的总股东回报为 8%，这表明投资者对短期表现和银行的长期前景充满信心。</p>
</div><p>If you’re curious about where else momentum might be building, this is a great opportunity to discover fast growing stocks with high insider ownership</p>
<div class="lb-trans"><p>如果你对其他可能正在积聚动能的股票感到好奇，这是一个发现高内部持股的快速增长股票的绝佳机会。</p>
</div><p>But with shares continuing to trend higher, the real question is whether Banc of California’s current price reflects its strong growth and improving fundamentals, or if there is still an opportunity for investors to benefit from further upside.</p>
<div class="lb-trans"><p>但随着股价持续上涨，真正的问题是加州银行当前的价格是否反映了其强劲的增长和改善的基本面，或者投资者是否仍有机会从进一步的上涨中受益。</p>
</div><h2>Most Popular Narrative: 15.7% Undervalued</h2>
<div class="lb-trans"><h2>最受欢迎的叙述：15.7% 低估</h2>
</div><p>At $17.06, Banc of California’s last close trades at a significant discount to the narrative’s fair value of $20.23. This gap reflects optimistic assumptions about future growth and earnings, which could set the stage for further upside based on company-specific catalysts.</p>
<div class="lb-trans"><p>在 17.06 美元的收盘价，加州银行的最后交易价格显著低于叙述的公允价值 20.23 美元。这一差距反映了对未来增长和收益的乐观假设，这可能为基于公司特定催化剂的进一步上涨奠定基础。</p>
</div><blockquote>
<p><em>The successful merger integration with Pacific Western Bank is unlocking cost synergies, revenue cross-sell opportunities, and scale benefits. These factors are already contributing to tangible book value expansion and margin improvement and are likely to further boost future profitability.</em></p>
</blockquote>
<div class="lb-trans"><blockquote>
<p><em>与太平洋西部银行的成功合并整合正在释放成本协同效应、收入交叉销售机会和规模效益。这些因素已经在推动有形账面价值扩张和利润率改善，并可能进一步提升未来的盈利能力。</em></p>
</blockquote>
</div><p>Read the complete narrative.</p>
<div class="lb-trans"><p>阅读完整叙述。</p>
</div><p>Curious how bold M&amp;A bets and rapid digital advances combine to fuel this valuation target? There is a surprising strategic twist driving the profit leap forecast at the heart of this calculation. Want to see what is behind the number? Find out what the consensus believes will power the path to that higher price.</p>
<div class="lb-trans"><p>好奇大胆的并购赌注和快速的数字进步如何结合推动这一估值目标？在这一计算的核心，有一个令人惊讶的战略转折推动着利润跃升的预测。想知道数字背后是什么吗？了解共识认为将推动更高价格的因素。</p>
</div><p><strong>Result: Fair Value of $20.23 (UNDERVALUED)</strong></p>
<div class="lb-trans"><p><strong>结果：公允价值为 20.23 美元（低估）</strong></p>
</div><p>Have a read of the narrative in full and understand what's behind the forecasts.</p>
<div class="lb-trans"><p>完整阅读叙述，了解预测背后的原因。</p>
</div><p>However, a slowdown in loan growth or unexpected increases in deposit costs could quickly shift sentiment and challenge the bank’s positive outlook.</p>
<div class="lb-trans"><p>然而，贷款增长放缓或存款成本意外上升可能迅速改变市场情绪，并挑战银行的积极前景。</p>
</div><p>Find out about the key risks to this Banc of California narrative.</p>
<div class="lb-trans"><p>了解加州银行叙述的关键风险。</p>
</div><h2>Another View: Looking Through the Lens of Multiples</h2>
<div class="lb-trans"><h2>另一种观点：通过倍数的视角</h2>
</div><p>While the market sees Banc of California as undervalued compared to narrative fair value, a closer look at its price-to-earnings ratio paints a different picture. The company trades at 15.7x earnings versus an industry average of 11.1x and a peer average of 14.1x. It also sits above its own fair ratio of 15.4x. This suggests investors are already paying a premium for potential growth, which could limit future upside if expectations are not met. Does this higher valuation signal caution or opportunity for those looking ahead?</p>
<div class="lb-trans"><p>虽然市场认为加州银行相对于叙述的公允价值被低估，但仔细观察其市盈率却呈现出不同的画面。该公司以 15.7 倍的收益交易，而行业平均为 11.1 倍，同行平均为 14.1 倍。它的市盈率也高于自身的公允比率 15.4 倍。这表明投资者已经为潜在增长支付了溢价，如果预期未能实现，未来的上涨空间可能会受到限制。这一更高的估值是否对未来的投资者发出谨慎信号，还是机会？</p>
</div><p>See what the numbers say about this price — find out in our valuation breakdown.</p>
<div class="lb-trans"><p>查看数字对这一价格的看法——在我们的估值分析中了解更多。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/ffa79d05-ace1-4094-8039-e3e98cdf0450/chart/pe-multiple-vs-industry" alt="" original-src="https://images.simplywall.st/company/ffa79d05-ace1-4094-8039-e3e98cdf0450/chart/pe-multiple-vs-industry"/></p>
<p>NYSE:BANC PE Ratio as at Nov 2025</p>
<div class="lb-trans"><p>截至 2025 年 11 月的纽约证券交易所：BANC 市盈率</p>
</div><h2>Build Your Own Banc of California Narrative</h2>
<div class="lb-trans"><h2>自己构建加州银行叙述</h2>
</div><p>If you want a fresh perspective or trust your own analysis more, you can dive into the numbers and craft your own narrative in just a few minutes. Do it your way</p>
<div class="lb-trans"><p>如果你想要一个新的视角或更信任自己的分析，可以在几分钟内深入数字，构建自己的叙述。按照你的方式进行。</p>
</div><p>A great starting point for your Banc of California research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision.</p>
<div class="lb-trans"><p>加州银行研究的一个很好的起点是我们的分析，强调 3 个关键收益和 1 个重要警示信号，这可能会影响你的投资决策。</p>
</div><h2>Looking for more investment ideas?</h2>
<div class="lb-trans"><h2>寻找更多投资想法？</h2>
</div><p>Why stop at one opportunity when you can stay ahead of market trends by targeting the strategies that matter? Take your investing to the next level with these hand-picked lists and don’t risk missing the big movers this year:</p>
<div class="lb-trans"><p>为什么只停留在一个机会，当你可以通过针对重要策略来保持领先于市场趋势？通过这些精心挑选的列表将你的投资提升到一个新水平，不要错过今年的大动作：</p>
</div><ul>
<li>Uncover potential market disruptors by seeking out these 25 AI penny stocks that are pushing artificial intelligence deeper into every industry.</li>
<li>Boost your portfolio’s income with these 16 dividend stocks with yields &gt; 3% which offer attractive yields above 3% and proven financial strength.</li>
<li>Ride the wave of financial innovation by investigating these 82 cryptocurrency and blockchain stocks that are leading the growth in digital assets and blockchain solutions.</li>
</ul>
<div class="lb-trans"><ul>
<li>通过寻找这 25 只推动人工智能深入各个行业的 AI 便士股票，发现潜在的市场颠覆者。</li>
<li>通过这些 16 只收益超过 3% 的股息股票提升你的投资组合收入，这些股票提供超过 3% 的吸引人收益和经过验证的财务实力。</li>
<li>通过调查这 82 只在数字资产和区块链解决方案中引领增长的加密货币和区块链股票，乘风破浪，迎接金融创新。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>本文由 Simply Wall St 撰写，内容具有一般性。<strong>我们基于历史数据和分析师预测提供评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成购买或出售任何股票的推荐，也不考虑你的目标或财务状况。我们的目标是为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
</div>

随着加州银行（BANC）的股价年初至今上涨了 12%，评估其估值