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Banc of California, Inc.

BANC Financial Banks Regional

Banc of California, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, down 3.76% from fiscal 2024.

Revenue
+1.56%
EPS
+38.0%
Free cash flow
+158.5%
Total debt
−39.5%

Quarter to September 2026, against a year earlier

18.03 0.53 −2.86%
Market cap
$2.9B
P/E
0.0×
Fwd P/E
−67.8×
Dividend yield
2.55%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.40
Sold, $m 323.21
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — — — 1 —
Sell — — 2 — 1 1 — — 1 1 — —
Insider Ownership 1.28%

Capital & Financial Ratios $m

Size
Market Cap 2,850.00
Revenue ttm 1,555.88
Net income ttm (22.37)
Free cash flow ttm 364.14
Net debt Q (1,593.68)
Valuation
P/E 0.00
Forward P/E (67.80) (negative: loss-making)
Price / sales 1.84
Forward P/S Powerpack
Price / FCF 7.85
Price / book 1.00
Financial health
Current ratio Q 0.87
Debt / equity Q 0.17
Interest coverage Q —
Growth
Revenue growth Q +1.56% (above 0%: growing)
Operating income growth Q +16.98% (above 0%: growing)
EPS, this year −123.18% (below 0%: weak)
EPS, next year A +865.96% (at or above 15%: strong)
Revenue, next year A −36.11% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +27.56% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 59.59%
10-year low 10-year high
P/B against its own 10 years 41.03%
10-year low 10-year high

Dividends

Yield
2.55%
Annual rate
0.46
Payout ratio
—
Growth, 2017–25
−3.23%/yr
  1. 0.52 ’17
  2. 0.52 ’18 +0
  3. 0.31 ’19 −40
  4. 0.24 ’20 −23
  5. 0.24 ’21 +0
  6. 0.24 ’22 +0
  7. 0.40 ’23 +67
  8. 0.40 ’24 +0
  9. 0.40 ’25 +0
  10. 0.45 ’26e +13
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 5,378 2,502 2,308 2,169
Receivables — — — —
Inventory — — — —
Other — — — —
30,708 26,071 27,278 27,024
2023 2024 2025 Q'26
Payables 30,402 27,192 27,843 28,260
ST’ Debt — — — —
Other — — — —
34,207 29,101 30,303 31,042

Compound Annual Growth %

10y 5y 3y
Sales 18.63% 42.51% 3.69%
Cash Flow 0.00% 27.84% (28.59%)
Earnings 13.73% 0.00% (22.36%)
Book Value 18.43% 31.60% (3.58%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.45 Actual 0.46

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.38 0.42 Beat by 0.04
Q1 FY26 0.38 0.39 Beat by 0.01
Q2 FY26 0.40 0.13 Miss by 0.27
Q3 FY26 0.45 0.46 Beat by 0.01
Q4 FY26 0.49 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.39 (1.61) 0.52 — —
’25 0.26 0.12 0.38 0.42 1.17
’24 0.17 0.12 (0.01) 0.28 0.52
’23 (15.43) (2.54) (0.42) (4.55) (22.71)
’22 0.69 0.43 0.40 3.88 5.48
’21 0.15 0.34 0.42 6.78 7.89
’20 (0.19) (0.44) 0.24 0.35 (0.02)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 443 181 474 — —
’25 440 453 467 459 1,819
’24 513 492 431 454 1,890
’23 554 412 490 67 1,523
’22 90 96 102 1,344 1,631
’21 73 73 77 1,129 1,353
’20 77 78 74 81 309
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 49 161 — — —
’25 15 63 76 102 256
’24 (88) 39 47 80 77
’23 (37) 61 30 82 136
’22 5 70 35 591 702
’21 24 40 12 427 503
’20 7 (9) 41 36 75
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 46 159 — — —
’25 14 61 75 84 235
’24 (90) 34 45 76 65
’23 (46) 61 36 78 130
’22 5 69 34 574 682
’21 23 39 11 412 486
’20 5 (10) 40 36 70
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 468 434 447 403 309 1,353 1,631 1,523 1,890 1,819 1,556 +16.3% 1,162 1,300 1,365 (9.1%)
Gross margin, % 87.30 80.41 69.39 64.55 78.67 95.94 83.71 19.63 53.08 61.55 57.85 (25.7) pt
EBT 100 27 47 28 14 822 568 (2,211) 169 313 (32) +13.5%
EBT margin, % 21.45 6.20 10.52 6.94 4.64 60.79 34.79 (145.22) 8.92 17.21 (2.04) (4.2) pt
Net income 115 58 45 24 13 607 424 (1,899) 127 229 (22) +7.9%
Per share, $
Per share, $ Revenue 10.00 8.63 8.91 8.04 6.17 17.59 21.11 17.83 11.22 11.38 9.82 +1.4%
Earnings 1.97 0.72 0.45 0.05 (0.02) 7.89 5.48 (22.71) 0.52 1.18 (0.26) (5.5%)
Cash flow 0.39 11.20 2.45 1.60 1.49 6.54 9.08 1.59 0.46 1.60 0.00 +17.1%
Capex (0.95) (0.25) (0.10) (0.21) (0.10) (0.22) (0.26) (0.07) (0.08) (0.13) 0.00 (19.8%)
Free cash flow (0.57) 10.95 2.36 1.39 1.39 6.32 8.82 1.52 0.38 1.47 0.00 n/m
Book value 20.93 20.14 18.86 18.09 17.88 13.85 51.13 39.71 20.78 22.16 21.14 +0.6%
Shares, m 47 50 50 50 50 77 77 85 168 160 157 +14.6%
Valuation, ×
Valuation, × P/E 8.85 28.75 29.58 429.50 0.00 2.55 2.93 0.00 27.61 16.21 0.00 54.6
P/S 1.72 2.40 1.49 2.14 2.39 1.12 0.75 0.75 1.38 1.69 1.84 1.6
P/B 1.14 1.40 0.93 1.20 1.04 1.56 0.35 0.39 0.87 1.01 1.00 1.0
EV/Sales 2.20 5.81 4.41 4.60 4.24 1.50 (0.09) (2.17) 0.55 0.95 — 2.2
EV/FCF (38.91) 4.58 16.66 26.61 18.83 4.18 (0.22) (25.52) 16.18 7.36 — 3.0
Cash, $m
Cash, $m Operating cash flow 18 563 123 80 75 503 702 136 77 256 388 +34.2%
Capex (45) (13) (5) (10) (5) (17) (20) (6) (13) (21) (24) (8.1%)
Free cash flow (27) 550 118 70 70 486 682 130 65 235 364 n/m
Balance, $m
Balance, $m Working capital (2,503) (326) 52 772 (117) (191) (5,698) (3,498) (3,030) (3,025) (4,018) +2.1%
Net debt 225 1,480 1,302 995 575 522 (1,373) (4,441) (1,560) (1,355) (1,594) n/m
Shareholders’ equity 980 1,012 946 907 897 1,065 3,951 3,391 3,500 3,541 3,349 +15.3%
Returns, %
Returns, % ROA 0.99 0.34 0.22 0.03 (0.01) 6.91 1.60 (4.86) 0.24 0.55 (0.14) (0.4) pt
ROIC 5.25 0.82 1.43 1.06 0.61 32.74 13.90 0.00 4.98 8.95 (1.13) +3.7 pt
ROE 16.29 4.97 3.14 0.37 (0.15) 70.92 18.28 (61.12) 2.96 6.26 (1.68) (10.0) pt
People
People Employees 1,797 738 741 660 611 673 685 2,304 1,903 1,904 — +0.6%
Revenue/emp, $m 0.26 0.59 0.60 0.61 0.51 2.01 2.38 0.66 0.99 0.96 — +15.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Banc of California, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FHB First Hawaiian, Inc. $3.1B 11.2× 12.4× −2.99% (below 0%: shrinking) −11.86% (below 0%: shrinking) +105.64% (above 0%: growing) 79.21% 0.00% Compare
PFS Provident Financial Services, Inc $3.0B 9.7× 9.5× +4.27% (above 0%: growing) −3.56% (below 0%: shrinking) −40.48% (below 0%: shrinking) 64.68% 0.00% Compare
CLBK Columbia Financial $3.0B 32.8× 20.1× +5.07% (above 0%: growing) +15.99% (above 0%: growing) +34.28% (above 0%: growing) 55.42% 0.00% Compare
BANC Banc of California, Inc. $2.9B — (loss-making) — (loss-making) +1.56% (above 0%: growing) +37.95% (above 0%: growing) +158.46% (above 0%: growing) 64.08% 0.00%
CUBI Customers Bancorp, Inc $2.8B 9.9× 9.9× +2.67% (above 0%: growing) +2.19% (above 0%: growing) −34.56% (below 0%: shrinking) 59.54% 0.00% Compare
NBTB NBT Bancorp Inc. $2.8B 12.7× 12.4× +1.43% (above 0%: growing) +7.69% (above 0%: growing) +37.10% (above 0%: growing) 79.49% 0.00% Compare
BOH Bank of Hawaii Corporation $2.7B 12.0× 11.9× −0.66% (below 0%: shrinking) +35.07% (above 0%: growing) +211.82% (above 0%: growing) 73.11% 0.00% Compare
FBNC First Bancorp $2.7B 16.3× 13.5× +28.80% (above 0%: growing) +154.02% (above 0%: growing) +103.23% (above 0%: growing) 76.83% 0.00% Compare
FBK FB Financial Corporation $2.7B 12.0× 11.6× −1.10% (below 0%: shrinking) +179.07% (above 0%: growing) −58.85% (below 0%: shrinking) 66.94% 0.00% Compare
Median of peers $2.8B 12.0× 12.2× +2.05% +11.84% +35.69% 70.03% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 26 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 5.30m 9.42m 146.52
2024 12.13m 12.27m 114.42
2023 3.93m 933.24k 96.71
2022 5.75m 3.80m 111.21
2021 2.70m 3.74m 135.08

Ownership

Directors and executive officers, together 2.78%
BlackRock, Inc.50 Hudson YardsNew York, New York 13.30%
T. Rowe Price Investment Management, Inc.1307 Point StreetBaltimore, Maryland 8.90%
State Street Corporation1 Congress Street, Suite 6.20%
The Vanguard Group100 Vanguard Boulevard Malvern, Pennsylvania 5.90%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Banc of California, Inc. (BANC) Latest News

2 Nov

Impact 3 · · StockStory

29 Oct

Impact 4 · · Simply Wall St.

28 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby transcript
Impact 3 · · Associated Press
Impact 3 · · Zacks

27 Oct

Impact 3 · · Zacks
Impact 3 · · StockStory
Impact 3 · · Zacks

26 Oct

Impact 3 · · StockStory

21 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks

20 Oct

Impact 4 · · Business Wire
Impact 3 · · Zacks

19 Oct

Impact 3 · · StockStory

8 Oct

Impact 3 · · StockStory

5 Oct

Impact 3 · · Zacks

23 Sep

Impact 3 · · Simply Wall St.

17 Sep

Impact 4 · · MarketBeat

7 Aug

Impact 3 · · The Motley Fool transcript

4 Aug

Impact 4 ·

31 Jul

Impact 3 ·

29 Jul

Impact 4 ·
Impact 4 · · bankingdive.com
Impact 4 ·
Impact 3 · · Moby transcript
Impact 3 · · americanbanker.com
Impact 3 ·
Impact 3 ·

28 Jul

Impact 4 ·

BANC metrics, ten years each

stockrow.com/BANC · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com