Banc of California, Inc. logo

Banc of California, Inc.

BANC-PF

NYSEFinancial ServicesBanks - Regional

Regular session

$25.19

+$0.06 · +0.24%

Aug 24, 10:45 AM ET

BANC-PF company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

75

Undervalued

Momentum

45

Neutral

Sentiment

53

Mixed

Risk resilience

84

Low Risk

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Company profile

Company website

Banc of California, Inc. serves as the parent entity for Banc of California, a financial institution that delivers a comprehensive suite of banking solutions across the state of California. Its offerings include a full spectrum of deposit accounts, such as checking, savings, money market, demand, and time deposits, alongside certificates of deposit, retirement savings plans, and secure safe deposit box facilities. The company also provides real estate financing to professional developers and investors, supporting the acquisition, construction, refinancing, renovation, and ongoing management of commercial properties, as well as commercial and residential mortgages, and loans for construction and land development. For businesses, it extends commercial loans and leasing options like equipment financing, asset-backed credit, venture capital funding, secured business loans, warehouse lines, and other specialized lending services, in addition to Small Business Administration (SBA) loans. Consumer credit products include personal, auto, and other loans, alongside home equity and revolving lines of credit. Furthermore, the bank offers international banking, multi-state deposit services, asset and investment management, and robust cash and treasury management solutions. These services are enhanced by convenient digital and remote banking capabilities, such as online, mobile, remote deposit capture, and telephone banking. The institution's diverse clientele spans small and mid-market businesses, venture capital firms, non-profit organizations, business owners, entrepreneurs, various professionals, and affluent individuals. Established in 1941, Banc of California, Inc. maintains its primary corporate offices in Los Angeles, California.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Jared Wolff
Listed since
Dec 1, 2023
Employees
1,904

Market position

Day range

Current $25.19

52-week range

Current $25.19

Open
$25.09
Previous close
$25.13
Volume
6.08K
0.15× average
Average volume
41.24K
Average daily volume
Market cap
4.08B USD
Beta
1.14
Market reference 1
50-day average
$25.2687
-0.31% below average
200-day average
$25.2262
-0.14% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
3.71B USD
P/E (TTM)
-45.33×
P/B (TTM)
0.91×
P/S (TTM)
1.6×
EV / EBITDA
9.33×
Earnings yield
7.64%
Free cash flow yield
7.83%
Dividend yield
2.37%

Profitability & efficiency

Gross margin
53.06%
Operating margin
-1.96%
Net margin
-1.19%
Return on equity
6.47%
Return on assets
0.66%
Return on invested capital
3.63%

Financial health

Debt / equity
0.95×
Current ratio
0.26×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends134%31%-71%-173%Gross margin, FY2021: 108.02%Gross margin, FY2022: 81.94%Gross margin, FY2023: 15.07%Gross margin, FY2024: 50.36%Gross margin, FY2025: 58.70%Operating margin, FY2021: 61.57%Operating margin, FY2022: 35.32%Operating margin, FY2023: -147.20%Operating margin, FY2024: 9.01%Operating margin, FY2025: 17.98%Net margin, FY2021: 45.44%Net margin, FY2022: 26.36%Net margin, FY2023: -126.42%Net margin, FY2024: 6.78%Net margin, FY2025: 12.65%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 108.02%. Gross margin FY2022 81.94%. Gross margin FY2023 15.07%. Gross margin FY2024 50.36%. Gross margin FY2025 58.70%. Operating margin FY2021 61.57%. Operating margin FY2022 35.32%. Operating margin FY2023 -147.20%. Operating margin FY2024 9.01%. Operating margin FY2025 17.98%. Net margin FY2021 45.44%. Net margin FY2022 26.36%. Net margin FY2023 -126.42%. Net margin FY2024 6.78%. Net margin FY2025 12.65%.

Income trends

Revenue

1.81B USD-3.31%

Operating income

325.58M USD+93.04%

Net income

228.97M USD+80.45%
Income trends across reported periods2.28B USD647.38M USD−986.17M USD−2.62B USDRevenue, FY2021: 1.34B USDRevenue, FY2022: 1.61B USDRevenue, FY2023: 1.5B USDRevenue, FY2024: 1.87B USDRevenue, FY2025: 1.81B USDOperating income, FY2021: 822.33M USDOperating income, FY2022: 567.57M USDOperating income, FY2023: −2.21B USDOperating income, FY2024: 168.65M USDOperating income, FY2025: 325.58M USDNet income, FY2021: 606.96M USDNet income, FY2022: 423.61M USDNet income, FY2023: −1.9B USDNet income, FY2024: 126.89M USDNet income, FY2025: 228.97M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.34B USD. Revenue FY2022 1.61B USD. Revenue FY2023 1.5B USD. Revenue FY2024 1.87B USD. Revenue FY2025 1.81B USD. Operating income FY2021 822.33M USD. Operating income FY2022 567.57M USD. Operating income FY2023 −2.21B USD. Operating income FY2024 168.65M USD. Operating income FY2025 325.58M USD. Net income FY2021 606.96M USD. Net income FY2022 423.61M USD. Net income FY2023 −1.9B USD. Net income FY2024 126.89M USD. Net income FY2025 228.97M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.81B USD1.87B USD1.5B USD1.61B USD1.34B USD
Cost of goods sold747.7M USD929.46M USD1.28B USD290.23M USD−107.1M USD
Gross profit1.06B USD943.09M USD226.39M USD1.32B USD1.44B USD
Selling, general, and administrative557.79M USD412.18M USD468.02M USD432.33M USD385.82M USD
Operating expenses737.27M USD774.43M USD2.44B USD748.95M USD620.39M USD
Interest income1.68B USD1.81B USD1.97B USD1.56B USD1.16B USD
Interest expense699.27M USD886.66M USD1.22B USD265.73M USD54.91M USD
Depreciation and amortization71.59M USD121.4M USD91.29M USD97.4M USD95.34M USD
Operating income325.58M USD168.65M USD−2.21B USD567.57M USD822.33M USD
Net income228.97M USD126.89M USD−1.9B USD423.61M USD606.96M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
40%
2 beats, 3 misses, 0 met estimates
Average EPS surprise
-126.20%
5 comparable reports
Latest EPS result
-1.61
Estimate 0.4 · Miss by 505.44%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.61-0.18-0.98-1.77Q1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 3, 2025: actual 0.335, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 21, 2025: actual 0.316, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 25, 2025: actual 0.168, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 20, 2025: actual 0.411, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 21, 2026: actual 0.42, estimate 0.369, surprise +13.98%, Beat. Q2 2026, reported Apr 22, 2026: actual 0.39, estimate 0.379, surprise +3.04%, Beat. Q3 2026, reported Jul 29, 2026: actual -1.61, estimate 0.397, surprise -505.44%, Miss. Q4 2026, reported Oct 27, 2026: actual —, estimate 0.447, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates488.87M292.4M95.92M-100.56MQ1 '25No estimateQ2 '25MissQ3 '25BeatQ4 '25No estimateQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 3, 2025: actual 251.47M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 21, 2025: actual 256.71M USD, estimate 270.92M USD, surprise -5.24%, Miss. Q3 2025, reported Jul 25, 2025: actual 448.22M USD, estimate 291.38M USD, surprise +53.83%, Beat. Q4 2025, reported Oct 20, 2025: actual -59.91M USD, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 21, 2026: actual 292.93M USD, estimate 289.43M USD, surprise +1.21%, Beat. Q2 2026, reported Apr 22, 2026: actual 286.95M USD, estimate 290.74M USD, surprise -1.30%, Miss. Q3 2026, reported Jul 29, 2026: actual 285.7M USD, estimate 295.32M USD, surprise -3.26%, Miss. Q4 2026, reported Oct 27, 2026: actual —, estimate 304.97M USD, surprise —, Comparison unavailable.

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