BANC vs UPST

Comparison between Banc of California Inc (BANC, Company) and Upstart Holdings Inc (UPST, Company).

Both BANC and UPST are from the Financial Services sector.

5-Year PerformanceBANC has outperformed UPST, delivering a return of +5.5% compared to -23.5%

BANC vs UPST - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BANC(COMPANY)	UPST(COMPANY)
Market Cap	$3.09B	$3.10B
Max Drawdown	84.60%	96.90%
Sharpe Ratio	1.44	-0.60
5Y Beta	1.18	2.60
Industry	Banks - Regional	Credit Services
P/E Ratio	12.26	111.78
Forward P/E	12.02	35.21
PEG Ratio	0.17	N/A
Dividend Yield	2.12%	N/A
5Y Dividends CAGR	17.61%	N/A
5Y EPS CAGR	-2.58%	N/A
Debt to Equity	71.80%	0.00%
Free Cash Flow Yield	8.64%	-12.65%
P/S Ratio	2.90	2.64
P/B Ratio	1.01	4.23

Market Cap

BANC

$3.09B

Winner

UPST

$3.10B

Max Drawdown

Winner

BANC

84.60%

UPST

96.90%

Sharpe Ratio

Winner

BANC

1.44

UPST

-0.60

5Y Beta

Winner

BANC

1.18

UPST

2.60

Industry

BANC

Banks - Regional

UPST

Credit Services

P/E Ratio

Winner

BANC

12.26

UPST

111.78

Forward P/E

Winner

BANC

12.02

UPST

35.21

PEG Ratio

BANC

0.17

UPST

N/A

Dividend Yield

BANC

2.12%

UPST

N/A

5Y Dividends CAGR

BANC

17.61%

UPST

N/A

5Y EPS CAGR

BANC

-2.58%

UPST

N/A

Debt to Equity

BANC

71.80%

Winner

UPST

0.00%

Free Cash Flow Yield

Winner

BANC

8.64%

UPST

-12.65%

P/S Ratio

BANC

2.90

Winner

UPST

2.64

P/B Ratio

Winner

BANC

1.01

UPST

4.23

BANC vs UPST - Historical Returns

Returns include dividend reinvestment.

Period	BANC	UPST
1 month	+8.04%	+9.66%
3 months	+18.16%	+12.22%
6 months	+2.85%	-35.78%
1 year	+48.77%	-46.98%
5 years(CAGR)	+5.52%	-23.52%
10 years(CAGR)	+2.84%	N/A
Max(CAGR)	+4.44%	+1.11%

BANC

+8.04%

Winner

UPST

+9.66%

Winner

BANC

+18.16%

UPST

+12.22%

Winner

BANC

+2.85%

UPST

-35.78%

Winner

BANC

+48.77%

UPST

-46.98%

5Y(CAGR)

Winner

BANC

+5.52%

UPST

-23.52%

10Y(CAGR)

BANC

+2.84%

UPST

N/A

Max(CAGR)

Winner

BANC

+4.44%

UPST

+1.11%

BANC vs UPST - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	BANC	UPST
2026	+5.23%	-31.68%
2025	+29.77%	-28.08%
2024	+19.59%	+58.69%
2023	-12.57%	+216.99%
2022	-19.27%	-90.86%
2021	+32.39%	+243.94%
2020	-12.09%	+38.28%
2019	+29.07%	N/A
2018	-33.82%	N/A
2017	+22.78%	N/A
2016	+22.46%	N/A
2015	+32.40%	N/A
2014	-9.90%	N/A
2013	+12.89%	N/A
2012	+6.74%	N/A
2011	-22.91%	N/A
2010	+154.88%	N/A
2009	-42.23%	N/A
2008	-41.09%	N/A
2007	-31.66%	N/A
2006	+3.34%	N/A
2005	+1.62%	N/A
2004	+24.17%	N/A
2003	+34.57%	N/A
2002	+18.88%	N/A

BANC vs UPST Drawdown Comparison

The maximum drawdown for BANC was -82.28%, occurring on Oct 27, 2009. Recovery took 2599 trading sessions.

The maximum drawdown for UPST was -96.90%, occurring on May 2, 2023. This drawdown has not yet recovered.

The current BANC drawdown is -3.00%. The current UPST drawdown is -91.97%.

Rank	BANC	UPST
#1	-82.28% Mar 28, 2006 - Jul 25, 2016	-96.90% Oct 15, 2021 - May 2, 2023
#2	-69.80% Nov 29, 2017 - Mar 12, 2021	-54.13% Feb 12, 2021 - Mar 18, 2021
#3	-53.32% Jan 14, 2022 - Dec 22, 2025	-49.02% Mar 22, 2021 - May 27, 2021
#4	-51.02% Aug 8, 2016 - Nov 29, 2017	-33.48% Jun 7, 2021 - Aug 11, 2021
#5	-26.40% Mar 12, 2021 - Nov 3, 2021	-18.75% Dec 22, 2020 - Jan 5, 2021
#6	-20.47% Jan 21, 2026 - Mar 11, 2026	-13.85% Sep 23, 2021 - Oct 13, 2021
#7	-17.46% Feb 23, 2004 - Aug 25, 2004	-13.39% May 27, 2021 - Jun 7, 2021
#8	-13.08% Nov 16, 2021 - Jan 14, 2022	-13.12% Jan 12, 2021 - Jan 21, 2021
#9	-12.65% Oct 29, 2004 - Nov 10, 2005	-8.67% Aug 18, 2021 - Aug 24, 2021
#10	-8.81% Dec 26, 2002 - Apr 15, 2003	-7.68% Jan 25, 2021 - Feb 1, 2021
#11	-6.89% Aug 21, 2003 - Nov 7, 2003	-7.10% Sep 9, 2021 - Sep 16, 2021
#12	-4.21% Feb 16, 2006 - Feb 28, 2006	-6.78% Dec 18, 2020 - Dec 22, 2020
#13	-4.10% May 30, 2003 - Jul 22, 2003	-5.66% Feb 3, 2021 - Feb 9, 2021
#14	-4.03% Mar 1, 2006 - Mar 20, 2006	-4.80% Jan 7, 2021 - Jan 12, 2021
#15	-3.98% Jul 28, 2016 - Aug 5, 2016	-3.38% Aug 27, 2021 - Aug 31, 2021