What is Banc of California, Inc.'s earnings per share (EPS)?

Banc of California, Inc. (BANC) reported diluted earnings per share of $1.17 for fiscal year 2025. This represents a 125.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Banc of California (BANC) Financials

BANC NYSE

Trailing 12 months to June 30, 2026

Revenue $1.4B -13.0% YoY

Net Income -$22.4M -115.2% YoY

EPS (Diluted) -$0.42 -164.6% YoY

Free Cash Flow $364.1M +86.5% YoY

Market Cap $2.9B as of Oct 27, 2026

Price / Sales 2.1x on $1.4B revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 0.8x on $3.4B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 27, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BANC SEC filings page.

Banc of California, Inc. (BANC) reported $1.4B in revenue over the twelve months to Jun 30, 2026, down 13.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BANC FY2025 2026-10-24

FY2025 earnings and cash flow recovered together as interest expense fell, but liabilities still finance 89.8% of assets.

The rebound is cash-backed rather than purely accounting: FY2025 operating cash flow was $255.6M, above net income of $229.0M. That contrasts with FY2024, when cash conversion was only 61.0%, making the latest recovery stronger than the profit line alone suggests.

Liability-funded balance sheet remains the central operating feature: liabilities were 89.8% of assets and debt-to-equity was 0.6x in FY2025. Assets grew 3.7% while equity grew 1.2%, so expansion was not matched one-for-one by shareholder capital.

Profitability recovered but remains below FY2022: net margin was 12.6% versus 26.0%. ROA was 0.7% versus 1.0%, indicating earnings improved without restoring prior asset productivity.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 30/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Banc of California, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Banc of California, Inc. earned a return on assets of 0.7% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.4% the prior year. Earnings ranks banks on that return over three years, and Banc of California, Inc. scores 12/100 among other banks.

Growth

Banc of California, Inc. reported revenue of $1.8B in fiscal year 2025, against $1.9B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Banc of California, Inc. scores 56/100 among other banks.

Capital

Banc of California, Inc. funded 10.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $3.5B of equity against $34.8B of assets. Capital ranks banks on that cushion, and Banc of California, Inc. scores 35/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Banc of California, Inc. scores 46/100 on it among other banks.

Credit Quality

n/a

Not available for Banc of California, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

Banc of California, Inc. reported net income of $229.0M in fiscal year 2025, against $126.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Banc of California, Inc. scores 2/100 among other banks.

Piotroski F-Score Partial

5/7

Banc of California, Inc. passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) does not pass.

Key Financial Metrics

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Earnings & Revenue

Revenue

$180.5M

YoY-60.2%

QoQ-59.2%

5Y CAGR+23.3%

10Y CAGR+6.1%

Banc of California, Inc. generated $180.5M in revenue in Q2 2026. This represents a decrease of 60.2% from the same quarter a year earlier. Against the prior quarter it is down 59.2%.

Net Income

-$241.3M

YoY-950.3%

QoQ-435.4%

Banc of California, Inc. reported a net loss of $241.3M in Q2 2026. This represents a decrease of 950.3% from the same quarter a year earlier. Against the prior quarter it is down 435.4%.

EPS (Diluted)

-$1.61

QoQ-512.8%

Banc of California, Inc. earned -$1.61 per diluted share (EPS) in Q2 2026. Against the prior quarter it is down 512.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$158.8M

YoY+158.5%

QoQ+248.3%

5Y CAGR+32.2%

10Y CAGRn/m

Banc of California, Inc. generated $158.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 158.5% from the same quarter a year earlier. Against the prior quarter it is up 248.3%.

Cash & Debt

$2.8B

YoY+19.7%

QoQ+27.1%

5Y CAGR+76.8%

10Y CAGR+26.4%

Banc of California, Inc. held $2.8B in cash against $2.5B in long-term debt as of Q2 2026.

Dividends Per Share

$0.12

QoQ0.0%

Banc of California, Inc. paid $0.12 per share in dividends in Q2 2026. It is unchanged from the prior quarter.

Shares Outstanding

158M

QoQ+2.7%

Banc of California, Inc. had 158M shares outstanding in Q2 2026. Against the prior quarter it is up 2.7%.

Margins & Returns

Return on Equity

-7.1%

YoY-7.9pp

QoQ-9.1pp

5Y change-9.4pp

10Y change-9.9pp

Banc of California, Inc.'s quarterly ROE was -7.1% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 7.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 9.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Net Margin

Not shown for Q2 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Share Buybacks

$109K

YoY-99.9%

QoQ-99.7%

Banc of California, Inc. spent $109K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 99.9% from the same quarter a year earlier. Against the prior quarter it is down 99.7%.

Capital Expenditures

$2.6M

YoY+106.5%

QoQ-22.5%

5Y CAGR+24.7%

10Y CAGR-11.9%

Banc of California, Inc. invested $2.6M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 106.5% from the same quarter a year earlier. Against the prior quarter it is down 22.5%.

R&D Spending

Not reported for Q2 2026.

BANC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BANC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.4B	$1.8B-3.8%	$1.9B+24.1%	$1.5B-6.7%	$1.6B+20.6%	$1.4B+455.6%	$243.5M-6.5%	$260.3M-16.0%	$310.0M-11.1%	$348.9M-14.7%	$409.0M+42.5%	$286.9M-4.6%	$300.9M+55.1%	$194.0M+133.2%	$83.2M+144.2%	$34.1M
Interest Expense	$664.6M	$699.3M-21.1%	$886.7M-27.6%	$1.2B+360.6%	$265.7M+384.0%	$54.9M-16.8%	$66.0M-53.8%	$142.9M+4.6%	$136.7M+60.8%	$85.0M+42.9%	$59.5M+39.6%	$42.6M+29.7%	$32.9M+41.1%	$23.3M+174.6%	$8.5M+40.5%	$6.0M
Income Tax	-$25.0M	$84.1M+101.4%	$41.8Mn/m	-$312.2M-316.9%	$144.0M-33.2%	$215.4M+11959.1%	$1.8M-57.7%	$4.2M-12.9%	$4.8Mn/m	-$26.6M-293.3%	$13.7M-51.0%	$28.0Mn/m	-$3.7M-146.8%	$8.0M+6849.6%	$115Kn/m	-$296K
Net Income	-$22.4M	$229.0M+80.5%	$126.9Mn/m	-$1.9B-548.3%	$423.6M-30.2%	$607.0M+4727.1%	$12.6M-47.1%	$23.8M-47.8%	$45.5M-21.2%	$57.7M-50.0%	$115.4M+85.9%	$62.1M+105.5%	$30.2Mn/m	-$84K-101.4%	$6.0Mn/m	-$2.7M
EPS (Basic)	N/A	$1.18+126.9%	$0.52	-$22.71	$5.14-33.8%	$7.76	N/A	$0.05	$0.45-37.5%	$0.72-63.5%	$1.97+44.9%	$1.36+49.5%	$0.91	-$0.15	$0.40	-$0.31
EPS (Diluted)	-$0.42	$1.17+125.0%	$0.52	-$22.71	$5.14-33.8%	$7.76	N/A	$0.05	$0.45-36.6%	$0.71-63.4%	$1.94+44.8%	$1.34+48.9%	$0.90	-$0.15	$0.40	-$0.31
Diluted Shares (Avg)	N/A	162M-4.1%	169M	85M	77M+0.5%	77M	N/A	51M	51M+0.1%	51M+6.7%	48M+26.7%	38M+33.1%	28M	15M	12M	10.65B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q
Revenue	$180.5M-60.2%	$442.8M+0.6%	$292.9M+10.8%	$466.8M+8.2%	$453.1M-8.0%	$440.3M-14.1%	$264.3M-43.4%	$431.4M-11.9%
Interest Expense	$164.1M-9.0%	$155.8M-10.6%	$165.6M-12.5%	$179.1M-16.6%	$180.3M-22.7%	$174.3M-30.2%	$189.2M-40.2%	$214.7M-31.9%
Income Tax	-$93.9M-581.6%	$23.8M+22.1%	$22.4M+69.9%	$22.7M+732.1%	$19.5M+36.3%	$19.5M+68.8%	$13.2Mn/m	$2.7Mn/m
Net Income	-$241.3M-950.3%	$72.0M+34.3%	$77.4M+36.0%	$69.6M+692.7%	$28.4M-6.4%	$53.6M+73.6%	$56.9Mn/m	$8.8Mn/m
EPS (Basic)	-$1.61	$0.40+53.8%	$0.43+53.6%	$0.38n/m	$0.120.0%	$0.26+116.7%	$0.28	-$0.01
EPS (Diluted)	-$1.61	$0.39+50.0%	$0.42+50.0%	$0.38n/m	$0.120.0%	$0.26+116.7%	$0.28	-$0.01
Diluted Shares (Avg)	156M	161M-5.1%	N/A	159M-5.7%	158M-5.9%	169M+0.8%	N/A	169M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

BANC Balance Sheet

BANC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$34.8B+3.7%	$33.5B-13.0%	$38.5B-6.5%	$41.2B+338.9%	$9.4B+19.3%	$7.9B+0.6%	$7.8B-26.4%	$10.6B+2.9%	$10.3B-6.4%	$11.0B+33.9%	$8.2B+37.9%	$6.0B+64.6%	$3.6B+115.6%	$1.7B+68.4%	$999.0M
Cash & Equivalents	$2.3B-7.8%	$2.5B-53.5%	$5.4B+2249.4%	$228.9M+0.3%	$228.1M+3.3%	$220.8M-40.9%	$373.5M-4.6%	$391.6M+1.0%	$387.7M-11.8%	$439.5M+181.5%	$156.1M-32.5%	$231.2M+110.0%	$110.1M+1.4%	$108.6M+144.3%	$44.5M
Goodwill	$214.5M0.0%	$214.5M+8.0%	$198.6M-85.6%	$1.4B-2.1%	$1.4B+3684.6%	$37.1M0.0%	$37.1M0.0%	$37.1M0.0%	$37.1M-5.4%	$39.2M0.0%	$39.2M+24.2%	$31.6M+4.8%	$30.1M+327.7%	$7.0Mn/m	$0
Total Liabilities	$31.3B+4.0%	$30.0B-14.5%	$35.1B-5.7%	$37.3B+591.1%	$5.4B+26.0%	$4.3B-38.1%	$6.9B-28.5%	$9.7B+4.0%	$9.3B-7.3%	$10.0B+32.5%	$7.6B+38.7%	$5.5B+65.5%	$3.3B+121.1%	$1.5B+83.4%	$814.5M
Long-Term Debt	$2.1B+48.3%	$1.4B-52.2%	$2.9B+65.0%	$1.8B+542.9%	$274.4M+7.1%	$256.3M+47.8%	$173.4M+0.1%	$173.2M+0.1%	$172.9M-1.4%	$175.4M-33.0%	$261.9M+179.9%	$93.6M+13.7%	$82.3M+0.5%	$81.9M	N/A
Total Equity	$3.5B+1.2%	$3.5B+3.2%	$3.4B-14.2%	$4.0B-1.2%	$4.0B+11.3%	$3.6B+296.2%	$907.2M-4.0%	$945.5M-6.6%	$1.0B+3.3%	$980.2M+50.3%	$652.4M+29.6%	$503.3M+55.0%	$324.7M+72.0%	$188.8M+2.3%	$184.5M
Retained Earnings	-$242.0Mn/m	-$431.2Mn/m	-$518.3M-136.5%	$1.4B+860.6%	$147.9M+34.2%	$110.2M-13.7%	$127.7M-9.4%	$141.0M-2.7%	$144.8M+7.7%	$134.5M+111.7%	$63.5M+114.7%	$29.6M+74.2%	$17.0M-36.0%	$26.6M-3.9%	$27.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q
Total Assets	$35.0B+2.3%	$34.7B+2.8%	$34.8B+3.7%	$34.0B+1.7%	$34.3B-2.8%	$33.8B-6.4%	$33.5B-13.0%	$33.4B+261.5%
Cash & Equivalents	$2.8B+19.7%	$2.2B-5.4%	$2.3B-7.8%	$2.4B-6.1%	$2.4B-12.8%	$2.3B-24.0%	$2.5B-53.5%	$2.6B+721.3%
Goodwill	$214.5M0.0%	$214.5M0.0%	$214.5M0.0%	$214.5M-1.0%	$214.5M-0.7%	$214.5M+8.0%	$214.5M+8.0%	$216.8M+89.6%
Total Liabilities	$31.6B+2.6%	$31.2B+3.0%	$31.3B+4.0%	$30.5B+2.0%	$30.8B-3.2%	$30.3B-7.4%	$30.0B-14.5%	$29.9B+263.1%
Long-Term Debt	$2.5B+28.3%	$2.6B+52.7%	$2.1B+48.3%	$2.0B+26.0%	$1.9B+33.1%	$1.7B-21.9%	$1.4B-52.2%	$1.6B+480.4%
Total Equity	$3.4B-0.5%	$3.6B+0.9%	$3.5B+1.2%	$3.5B-0.8%	$3.4B+0.6%	$3.5B+3.8%	$3.5B+3.2%	$3.5B+45.7%
Retained Earnings	-$431.3Mn/m	-$180.0Mn/m	-$242.0Mn/m	-$309.5Mn/m	-$369.1Mn/m	-$387.6Mn/m	-$431.2Mn/m	-$478.2M-253.2%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

BANC Cash Flow Statement

BANC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$388.2M	$255.6M+230.3%	$77.4M-43.0%	$135.8M-80.7%	$702.0M+39.6%	$503.0M+571.8%	$74.9M-6.7%	$80.3M-34.8%	$123.0M-78.2%	$563.0M+3008.3%	$18.1Mn/m	-$43.0Mn/m	-$627.5Mn/m	-$435.5Mn/m	-$33.0M-341.7%	$13.6M
Depreciation & Amortization	N/A	$49.3M-9.7%	$54.6M+3.6%	$52.7M+243.4%	$15.3M-20.4%	$19.3M+18.3%	$16.3M-0.8%	$16.4M+51.0%	$10.9M-12.5%	$12.4M-24.8%	$16.5M+10.3%	$15.0M+37.4%	$10.9M+153.8%	$4.3M+152.9%	$1.7M+161.5%	$650K
Stock-Based Compensation	N/A	N/A	N/A	N/A	$6.2M+17.0%	$5.3M-8.4%	$5.8M+14.7%	$5.0M-23.2%	$6.6M-45.9%	$12.1M+1.6%	$11.9M+28.1%	$9.3M+48.1%	$6.3M+172.6%	$2.3M+94.5%	$1.2M+188.3%	$412K
Capital Expenditures	$24.0M	$20.8M+59.7%	$13.0M-14.3%	$15.2M-24.4%	$20.1M+16.6%	$17.3M+239.0%	$5.1M-51.4%	$10.5M+16.4%	$9.0M-41.3%	$15.3M-65.7%	$44.7M-46.3%	$83.3M+613.9%	$11.7M-78.8%	$55.0M+793.6%	$6.2M+25.8%	$4.9M
Free Cash Flow	$364.1M	$234.8M+265.0%	$64.3M-46.6%	$120.5M-82.3%	$681.8M+40.4%	$485.7M+596.1%	$69.8M0.0%	$69.8M-38.8%	$114.0M-79.2%	$547.7Mn/m	-$26.6Mn/m	-$126.2Mn/m	-$639.2Mn/m	-$490.5Mn/m	-$39.1M-547.2%	$8.7M
Investing Cash Flow	-$493.5M	-$1.5B-178.2%	$1.9B-85.0%	$12.6Bn/m	-$3.6Bn/m	-$5.7Bn/m	-$266.9M-109.5%	$2.8Bn/m	-$469.7M-409.3%	$151.9Mn/m	-$2.3Bn/m	-$2.3Bn/m	-$463.2Mn/m	-$1.3Bn/m	-$137.9Mn/m	-$167.6M
Financing Cash Flow	$569.8M	$1.0Bn/m	-$4.8Bn/m	-$9.6B-1014.1%	$1.1B-82.8%	$6.1B+15402.7%	$39.4Mn/m	-$2.9B-925.3%	$350.6Mn/m	-$766.7M-129.7%	$2.6B+16.1%	$2.2B+83.6%	$1.2B-30.4%	$1.7B+640.6%	$235.0M+68.7%	$139.3M
Dividends Paid	N/A	N/A	$68.3M+39.7%	$48.9M-59.4%	$120.3M+0.7%	$119.4M+908.2%	$11.8M-24.8%	$15.7M-51.9%	$32.7M+27.3%	$25.7M+17.7%	$21.8M+28.8%	$17.0M+58.9%	$10.7M+58.4%	$6.7M+44.7%	$4.7M+56.3%	$3.0M
Share Buybacks	-$119.7M	$0	N/A	N/A	$75.1Mn/m	$0-100.0%	$12.0Mn/m	$0n/m	$0	N/A	$0n/m	$0-100.0%	$280K-94.4%	$5.0M+785.8%	$565K+927.3%	$55K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q
Operating Cash Flow	$161.4M+157.4%	$49.0M+223.9%	$102.1M+27.9%	$75.7M+61.5%	$62.7M+60.4%	$15.1Mn/m	$79.8M-2.2%	$46.9M+55.9%
Depreciation & Amortization	$13.5M+9.3%	$10.9M-16.4%	$11.7M-12.3%	$12.2M-10.0%	$12.3M-10.6%	$13.0M-6.1%	$13.4M+8.1%	$13.5M+6.6%
Stock-Based Compensation	N/A	$5.6M+2.6%	N/A	N/A	N/A	$5.5M+18.0%	N/A	N/A
Capital Expenditures	$2.6M+106.5%	$3.4M+121.6%	$17.9M+331.8%	$185K-91.9%	$1.3M-73.0%	$1.5M-21.5%	$4.1M+32.8%	$2.3M-20.5%
Free Cash Flow	$158.8M+158.5%	$45.6M+235.4%	$84.2M+11.3%	$75.5M+69.3%	$61.4M+78.6%	$13.6Mn/m	$75.7M-3.6%	$44.6M+64.0%
Investing Cash Flow	$145.6Mn/m	-$39.2Mn/m	-$885.4Mn/m	$285.5M-82.8%	-$493.5M-225.9%	-$384.7M-458.2%	-$266.0M-104.5%	$1.7B+131.6%
Financing Cash Flow	$293.7M-33.3%	-$100.5M-147.5%	$693.0M+416.4%	-$316.5Mn/m	$440.5Mn/m	$211.3Mn/m	$134.2Mn/m	-$1.8Bn/m
Dividends Paid	$18.9M+16.4%	$18.8M+8.9%	N/A	$16.1M-1.5%	$16.3M-6.0%	$17.3M+3.7%	$17.9M+2.3%	$16.4M+1919.7%
Share Buybacks	-$109K-99.9%	$32.3M-17.1%	-$187.7M	$35.9Mn/m	$112.9Mn/m	$38.9Mn/m	N/A	$0-100.0%

BANC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BANC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	12.6%+5.9pp	6.7%	-124.7%	26.0%-18.9pp	44.9%+39.7pp	5.2%-4.0pp	9.1%-5.5pp	14.7%-1.9pp	16.5%-11.7pp	28.2%+6.6pp	21.6%+11.6pp	10.0%+10.1pp	0.0%-7.2pp	7.2%+15.2pp	-8.0%
Return on Equity	6.5%+2.8pp	3.6%+59.6pp	-56.0%-66.7pp	10.7%-4.5pp	15.2%+14.8pp	0.4%-2.3pp	2.6%-2.2pp	4.8%-0.9pp	5.7%-6.1pp	11.8%+2.3pp	9.5%+3.5pp	6.0%+6.0pp	0.0%-3.2pp	3.2%+4.7pp	-1.5%
Return on Assets	0.7%+0.3pp	0.4%+5.3pp	-4.9%-6.0pp	1.0%-5.4pp	6.5%+6.3pp	0.2%-0.1pp	0.3%-0.1pp	0.4%-0.1pp	0.6%-0.5pp	1.1%+0.3pp	0.8%+0.2pp	0.5%+0.5pp	0.0%-0.4pp	0.4%+0.6pp	-0.3%
Debt-to-Equity	0.58+0.2x	0.40-0.5x	0.86+0.4x	0.45+0.4x	0.070.0x	0.07-0.1x	0.190.0x	0.180.0x	0.170.0x	0.18-0.2x	0.40+0.2x	0.19-0.1x	0.25-0.2x	0.43	N/A
Liabilities-to-Equity	8.83+0.2x	8.58-1.8x	10.36+0.9x	9.44+8.1x	1.35+0.2x	1.19-6.4x	7.63-2.6x	10.24+1.0x	9.20-1.0x	10.25-1.4x	11.62+0.8x	10.86+0.7x	10.17+2.3x	7.91+3.5x	4.42
Asset Turnover	0.050.0x	0.060.0x	0.040.0x	0.04-0.1x	0.14+0.1x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.050.0x	0.050.0x	0.050.0x	0.03
FCF Margin	12.9%+9.5pp	3.4%-4.5pp	7.9%-33.9pp	41.8%+5.9pp	35.9%+7.2pp	28.7%+1.9pp	26.8%-10.0pp	36.8%	157.0%	-6.5%+37.5pp	-44.0%	-212.4%	-252.8%	-47.0%-72.7pp	25.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q
Net Margin	-133.7%	16.3%+4.1pp	26.4%+4.9pp	14.9%+12.9pp	6.3%+0.1pp	12.2%+6.2pp	21.5%	2.0%+6.8pp
Return on Equity	-7.1%-7.9pp	2.0%+0.5pp	2.2%+0.6pp	2.0%+1.8pp	0.8%-0.1pp	1.5%+0.6pp	1.6%+15.9pp	0.3%+1.2pp
Return on Assets	-0.7%-0.8pp	0.2%0.0pp	0.2%+0.1pp	0.2%+0.2pp	0.1%0.0pp	0.2%+0.1pp	0.2%+1.4pp	0.0%+0.3pp
Debt-to-Equity	0.72+0.2x	0.72+0.2x	0.58+0.2x	0.58+0.1x	0.56+0.1x	0.47-0.2x	0.40-0.5x	0.46+0.3x
Liabilities-to-Equity	9.27+0.3x	8.77+0.2x	8.83+0.2x	8.81+0.2x	8.99-0.3x	8.59-1.0x	8.58-1.8x	8.56+5.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	88.0%+74.4pp	10.3%+7.2pp	28.8%+0.1pp	16.2%+5.8pp	13.6%+6.6pp	3.1%+20.7pp	28.6%+11.8pp	10.3%+4.8pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Banc of California, Inc. BANC	FY2025	$1.8B	$229.0M	12.6%	$2.9B	30/100
Park National Corporation PRK	FY2025	$664.4M	$180.1M	27.1%	$3.3B	76/100
Bank of Hawaii Corp. BOH	FY2025	$716.6M	$205.9M	28.7%	$2.8B	45/100
Seacoast Banking Corp of Florida SBCF	FY2025	$652.6M	$144.9M	22.2%	$3.3B	56/100
Provident Financial Services, Inc. PFS	FY2025	$870.4M	$291.2M	33.5%	$3.0B	62/100

Where Banc of California, Inc. Ranks

Frequently Asked Questions

What is Banc of California, Inc.'s annual revenue?

Banc of California, Inc. (BANC) reported $1.8B in total revenue for fiscal year 2025. This represents a -3.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Banc of California, Inc.'s revenue growing?

Banc of California, Inc. (BANC) revenue declined by 3.8% year-over-year, from $1.9B to $1.8B in fiscal year 2025.

Is Banc of California, Inc. profitable?

No, Banc of California, Inc. (BANC) reported a net loss of $22.4M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $229.0M, with a net profit margin of 12.6%.

How much debt does Banc of California, Inc. have?

As of fiscal year 2025, Banc of California, Inc. (BANC) had $2.3B in cash and equivalents against $2.1B in long-term debt.

What is Banc of California, Inc.'s net profit margin?

Banc of California, Inc. (BANC) had a net profit margin of 12.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Banc of California, Inc. pay dividends?

Yes, Banc of California, Inc. (BANC) paid $0.40 per share in dividends during fiscal year 2025.

What is Banc of California, Inc.'s return on equity (ROE)?

Banc of California, Inc. (BANC) has a return on equity of 6.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Banc of California, Inc.'s free cash flow?

Banc of California, Inc. (BANC) generated $234.8M in free cash flow during fiscal year 2025. This represents a 265.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Banc of California, Inc.'s operating cash flow?

Banc of California, Inc. (BANC) generated $255.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Banc of California, Inc.'s total assets?

Banc of California, Inc. (BANC) had $34.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Banc of California, Inc.'s capital expenditures?

Banc of California, Inc. (BANC) invested $20.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Banc of California, Inc. have outstanding?

Banc of California, Inc. (BANC) had 150M shares outstanding as of fiscal year 2025.

What is Banc of California, Inc.'s debt-to-equity ratio?

Banc of California, Inc. (BANC) had a debt-to-equity ratio of 0.58 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is Banc of California, Inc.'s liabilities-to-equity ratio?

Banc of California, Inc. (BANC) had a liabilities-to-equity ratio of 8.83 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is Banc of California, Inc.'s return on assets (ROA)?

Banc of California, Inc. (BANC) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Banc of California, Inc.'s P/E ratio?

Banc of California, Inc. (BANC) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $2.9B as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Banc of California, Inc.'s price-to-sales ratio?

Banc of California, Inc. (BANC) trades at 2.1x sales, its market capitalization divided by $1.4B revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.9B as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Banc of California, Inc.'s Piotroski F-Score?

Banc of California, Inc. (BANC) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Banc of California, Inc.?

Banc of California, Inc. (BANC) scores 30 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Banc of California, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.