Banc Of California Inc (BANC) Financials
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 Sep 9, 2026; every other figure is from the SEC filings on this page. Not financial advice.
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).
Banc of California's earnings recovery is driven more by falling interest expense and balance-sheet resizing than by revenue growth.
The move from a FY2023 net loss of$1.9B to FY2025 net income of$229M is a sharp earnings reset, not a steady trend. Interest expense fell from$1.2B in FY2023 to$699M in FY2025, making funding costs the clearest visible driver of the rebound.
The balance sheet is materially smaller than its FY2022 peak: assets were
Operating cash flow rose from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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.
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.
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 57/100 among other banks.
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 33/100 among other banks.
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.
Not available for Banc Of California Inc, and counted as zero in the overall score.
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.
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, neither operating efficiency signal passes.
For every $1 of reported earnings, Banc Of California Inc generates $1.12 in operating cash flow ($255.6M OCF vs $229.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
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%.
Banc Of California Inc reported -$241.3M in net income 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%.
Banc Of California Inc earned -$1.61 per diluted share (EPS) in Q2 2026. Against the prior quarter it is down 512.8%.
Not reported for Q2 2026.
Cash & Balance Sheet
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%.
Banc Of California Inc held $2.8B in cash against $2.5B in long-term debt as of Q2 2026.
Banc Of California Inc paid $0.12 per share in dividends in Q2 2026. It is unchanged from the prior quarter.
Margins & Returns
Banc Of California Inc's ROE was -7.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. 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.
Not reported for Q2 2026.
Not reported for Q2 2026.
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
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%.
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%.
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.
| 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% |
| SG&A Expenses | $85.1M-3.7% | $91.1M+5.4% | $85.9M+10.6% | $88.9M+3.8% | $88.4M+2.8% | $86.4M-6.3% | $77.7M-13.1% | $85.6M+19.5% |
| 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% | $13.2M+107.4% | $2.7M+184.7% |
| 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% | $56.9M+111.8% | $8.8M+137.6% |
| EPS (Basic) | -$1.61-1441.7% | $0.40+53.8% | $0.43+53.6% | $0.38+3900.0% | $0.120.0% | $0.26+116.7% | $0.28+106.2% | -$0.01+97.6% |
| EPS (Diluted) | -$1.61 | $0.39+50.0% | $0.42+50.0% | $0.38+3900.0% | $0.120.0% | $0.26+116.7% | $0.28 | -$0.01+97.6% |
| Diluted Shares (Avg) | 156M | 161M-5.1% | N/A | 159M-5.7% | 158M-5.9% | 169M+0.8% | N/A | 169M+116.5% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BANC Balance Sheet
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.
| 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% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| 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 | -$431.3M-16.8% | -$180.0M+53.6% | -$242.0M+43.9% | -$309.5M+35.3% | -$369.1M+22.6% | -$387.6M+22.1% | -$431.2M+16.8% | -$478.2M-253.2% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
BANC Cash Flow 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.
| 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% | $15.1M+117.1% | $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% | $13.6M+115.1% | $75.7M-3.6% | $44.6M+64.0% |
| Investing Cash Flow | $145.6M+129.5% | -$39.2M+89.8% | -$885.4M-232.9% | $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% | -$316.5M+82.9% | $440.5M+153.9% | $211.3M+109.1% | $134.2M+102.0% | -$1.8B-34.6% |
| 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 | $35.9M | $112.9M | $38.9M | 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.
| 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 | 0.46-3.0x |
| 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 | 25/100 |
| Park National PRK | FY2025 | $664.4M | $180.1M | 27.1% | $3.4B | 77/100 |
| Bank of Hi Corp BOH | FY2025 | $716.6M | $205.9M | 28.7% | $3.0B | 44/100 |
| Seacoast Bkg Corp Fla SBCF | FY2025 | $652.6M | $144.9M | 22.2% | $3.3B | 47/100 |
| Provident Finl PFS | FY2025 | $870.4M | $291.0M | 33.4% | $3.1B | 51/100 |
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?
Yes, Banc Of California Inc (BANC) reported a net income of $229.0M in fiscal year 2025, 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.
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, measuring the company's financial leverage by comparing total debt to shareholder 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 Sep 9, 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 revenue of $1.4B revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.9B as of Sep 9, 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.
Are Banc Of California Inc's earnings high quality?
Banc Of California Inc (BANC) has an earnings quality ratio of 1.12x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Banc Of California Inc?
Banc Of California Inc (BANC) scores 25 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite 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. 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.