Get started

Financials · BANC

Banc of California Inc. (BANC) financials

For the twelve months ended Sep 30, 2026, Banc of California Inc. reported $1.07B of revenue and -$8.95M of net income.

Revenue, TTM
$1.07B
Revenue growth, YoY
-34.1%
Net income, TTM
-$8.95M
Net margin
-0.8%
Free cash flow, TTM
$350.15M
EPS, diluted, TTM
-$0.34
Cash
$2.17B
P/S
2.66
Market cap
$2.84B
Annual revenue$1.82B
FY2016FY2025
Annual net income$228.97M
FY2016FY2025
Annual free cash flow$234.77M
FY2016FY2025

BANC revenue and earnings growth

BANC revenueQ3 2026$474.09M

Quarter YoY
+1.6%
QoQ
29x
FY YoY
-3.8%
5Y CAGR
+49.5%
10Y CAGR
+20.3%

BANC revenue was $474.09M in fiscal Q3 2026 (ended Sep 30, 2026), up 1.6% from a year earlier and up about 29-fold from the prior quarter. For the full fiscal 2025 it was $1.82B, down 3.8% from fiscal 2024. Compound annual growth was +49.5% over 5 years and +20.3% over 10 years. It rose in 4 of the last 10 fiscal years.

BANC net incomeQ3 2026$83.06M

Quarter YoY
+19.3%
FY YoY
+80.5%
5Y CAGR
+78.7%
10Y CAGR
+13.9%

BANC net income was $83.06M in fiscal Q3 2026 (ended Sep 30, 2026), up 19.3% from a year earlier. For the full fiscal 2025 it was $228.97M, up 80.5% from fiscal 2024. Compound annual growth was +78.7% over 5 years and +13.9% over 10 years.

BANC EPSQ3 2026$0.46

Quarter YoY
+21.1%
FY YoY
+125.0%

BANC diluted EPS was $0.46 in fiscal Q3 2026 (ended Sep 30, 2026), up 21.1% from a year earlier. For the full fiscal 2025 it was $1.17, up 125.0% from fiscal 2024.

BANC free cash flowQ3 2026$61.50M

Quarter YoY
-18.5%
QoQ
-61.3%
FY YoY
+265.0%
5Y CAGR
+27.5%

BANC free cash flow was $61.50M in fiscal Q3 2026 (ended Sep 30, 2026), down 18.5% from a year earlier and down 61.3% from the prior quarter. For the full fiscal 2025 it was $234.77M, up 265.0% from fiscal 2024. Compound annual growth was +27.5% over 5 years. It rose in 3 of the last 8 fiscal years.

Export CSV

Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$1.82B$1.89B$1.52B$1.63B$1.35B$243.46M$260.28M$309.99M$348.86M$408.98M
Interest expense-$886.65M$1.22B$265.73M$54.91M$66.01M$142.95M$136.72M$85.00M$59.50M
Pre-tax income$313.07M$168.65M-$2.21B$567.57M$822.33M$14.36M$27.98M$46.99M$26.89M$100.49M
Income tax$84.10M$41.77M-$312.20M$143.96M$215.38M$1.79M$4.22M$4.84M-$26.58M$13.75M
Net income$228.97M$126.89M-$1.90B$423.61M$606.96M$12.57M$23.76M$45.47M$57.71M$115.42M
EPS, basic$1.18$0.52-$22.71$5.14$7.76-$0.05$0.45$0.72$1.97
EPS, diluted$1.17$0.52-$22.71$5.14$7.76-$0.05$0.45$0.71$1.94
Diluted shares161.7M168.7M85.4M77.3M76.9M-50.7M50.9M50.8M47.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$2.31B$2.50B$5.38B$2.24B$4.06B$3.16B$373.47M$391.59M$387.70M$439.51M
Goodwill$214.52M$214.52M$198.63M$1.38B$1.41B$37.14M$37.14M$37.14M$37.14M$39.24M
Total assets$34.80B$33.54B$38.53B$41.23B$9.39B$7.88B$7.83B$10.63B$10.33B$11.03B
Total debt$2.06B$1.39B$2.91B$1.76B$274.39M$256.31M$173.42M$173.17M$172.94M$175.38M
Total liabilities$31.26B$30.04B$35.14B$37.28B$8.33B$6.98B$6.92B$9.68B$9.32B$10.05B
Shareholders' equity$3.54B$3.50B$3.39B$3.95B$4.00B$3.59B$907.25M$945.53M$1.01B$980.24M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$255.60M$77.37M$135.77M$701.97M$502.96M$74.86M$80.25M$123.00M$563.01M$18.11M
Capital expenditures$20.83M$13.05M$15.22M$20.13M$17.26M$5.09M$10.48M$9.00M$15.32M$44.68M
Free cash flow$234.77M$64.33M$120.55M$681.84M$485.69M$69.77M$69.78M$114.00M$547.69M-$26.57M
Investing cash flow-$1.48B$1.89B$12.61B-$3.57B-$5.71B-$266.92M$2.80B-$469.75M$151.86M-$2.32B
Financing cash flow$1.03B-$4.84B-$9.61B$1.05B$6.11B$39.40M-$2.89B$350.64M-$766.68M$2.58B
Dividends paid-$68.30M$48.88M$120.26M$119.44M$11.85M$15.74M$32.73M$25.71M$21.84M
Share repurchases$0--$75.08M$0$12.04M$0$0-$0
Stock-based compensation---$6.20M$5.29M$5.78M$5.04M$6.57M$12.13M$11.95M
Depreciation and amortization$49.27M$54.59M$52.69M$53.59M$52.20M$16.30M$16.43M$10.88M$12.43M-

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-3.8%24.1%-6.7%20.6%455.6%-6.5%-16.0%-11.1%-14.7%42.5%
Net income growth, YoY80.5%---30.2%4727.1%-47.1%-47.8%-21.2%-50.0%85.9%
EPS growth, YoY125.0%---33.8%---88.9%-36.6%-63.4%44.8%
Net margin12.6%6.7%-124.7%26.0%44.9%5.2%9.1%14.7%16.5%28.2%
Free cash flow margin12.9%3.4%7.9%41.8%35.9%28.7%26.8%36.8%157.0%-6.5%
Return on equity6.5%3.6%-56.0%10.7%15.2%0.3%2.6%4.8%5.7%11.8%
Return on assets0.7%0.4%-4.9%1.0%6.5%0.2%0.3%0.4%0.6%1.0%
Debt to equity0.580.400.860.450.070.070.190.180.170.18

Source: XBRL data Banc of California Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

BANC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BANC$1.07B-34.1%-$8.95M-0.8%$2.84B
JPM$203.15B+13.2%$65.98B32.5%$908.40B
BAC$120.16B+5.4%$32.24B26.8%$349.70B
WFC$87.23B+5.4%$22.97B26.3%$257.44B
C$85.22B+5.6%$14.31B16.8%$202.38B
UBS$49.57B+2.0%$7.80B15.7%$152.60B
MFG¥8.79T+7.6%¥1.16T13.2%$123.62B
COF$63.01B+31.2%$10.87B17.2%$117.80B
BNSC$37.74B+12.1%C$7.79B20.6%$113.63B

BANC FAQ

8 questions
  • What is BANC revenue?
    Banc of California Inc. (BANC) reported $1.07B of revenue for the twelve months ended Sep 30, 2026. That is down 34.1% from the year before. Revenue for fiscal 2025 was $1.82B.
  • Is BANC profitable?
    No. Banc of California Inc. reported a net loss of $8.95M for the twelve months ended Sep 30, 2026.
  • How much cash and debt does BANC have?
    Banc of California Inc. reported $2.17B in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is BANC revenue growing?
    Banc of California Inc.'s revenue changed -3.8% in fiscal 2025, to $1.82B. Its compound annual growth rate was +49.5% over 5 years and +20.3% over 10 years.
  • What is BANC free cash flow?
    Banc of California Inc. generated $350.15M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $379.53M less capital expenditures.
  • What is BANC earnings per share?
    Diluted earnings per share were -$0.34 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did BANC last report financial results?
    The latest statements here come from Banc of California Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this BANC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Banc of California Inc. files with the SEC. It is provided for information only and is not investment advice.