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BANCBanc of California, Inc.
$20.57$3.2B
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BANC logoBanc of California, Inc.(BANC)Earnings, Financials & Key Ratios

BANC•NYSE•Banking & Credit
$20.57
17.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutBanc of California, Inc. operates as the bank holding company for Banc of California, National Association that provides banking products and services in the United States. The company offers deposit products, including checking, savings, money market, retirement, and interest-bearing and noninterest-bearing demand accounts, as well as certificate of deposits. It also provides various commercial and consumer loan products, such as commercial and industrial loans; commercial real estate and multifamily loans; construction loans; single family residential mortgage loans; warehouse and indirect/direct leveraged lending; home equity lines of credit; small business administration loans; and other consumer loans. In addition, the company offers automated bill payment, cash and treasury management, foreign exchange, card payment, remote and mobile deposit capture, automated clearing house origination, wire transfer, direct deposit, and internet banking services; and master demand accounts, interest rate swaps, and safe deposit boxes. Further, it invests in collateralized loan obligations, agency securities, municipal bonds, agency residential mortgage-backed securities, and corporate debt securities. As of December 31, 2020, the company operated 29 full-service branches in Southern California. The company was formerly known as First PacTrust Bancorp, Inc. and changed its name to Banc of California, Inc. in July 2013. Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana, California.Show more
  • Net Interest Income$977M+5.5%
  • Total Revenue$1.81B-3.3%
  • Net Income$229M+80.5%
  • Return on Equity6.5%+76.6%
  • Net Interest Margin2.81%+1.7%
  • Efficiency Ratio40.72%-1.5%
  • ROA0.67%+90.3%
  • Equity / Assets10.18%-2.5%
  • Book Value per Share22.12+6.6%

BANC Price & Volume

Banc of California, Inc. (BANC) stock price & volume — 10-year historical chart

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Banc of California Navigates Post-Merger Margin Constraints

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Stable
Primary Risk:California CRE concentration risk

Key Thesis Takeaways

  • Banc of California is currently in a phase of structural consolidation following its transformative merger, with 2026Q1 net income of $72.0 million signaling a stabilization of earnings capacity.
  • While the bank maintains a disciplined 41.0% efficiency ratio, investors should monitor the persistent 0.7% net interest margin and the potential for credit volatility within its Southern California commercial real estate portfolio.
  • Future performance remains contingent on the bank's ability to optimize its $32.5 billion securities portfolio while managing interest rate sensitivity in a high-cost funding environment.

Verdict Logic

while the bank has stabilized its operations with a 41.0% efficiency ratio, the persistent 0.7% net interest margin and exposure to regional commercial real estate warrant a cautious approach until sustained margin expansion is demonstrated.

BANC Growth Metrics

Banc of California, Inc. (BANC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years19.1%
5 Years42.38%
3 Years4.06%
TTM-

Profit CAGR

10 Years13.94%
5 Years78.67%
3 Years-18.54%
TTM65.34%

EPS CAGR

10 Years-1.26%
5 Years-
3 Years11.55%
TTM109.64%

Return on Capital

10 Years4.19%
5 Years6.34%
3 Years-8.99%
Last Year5.04%

BANC Recent Earnings

Banc of California, Inc. (BANC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 5/12 qtrs (50%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$0.39+2.6%
$0.38
Rev
$287M-1.3%
$291M
Q1 2026
Feb 27, 2026
Metric
Actual
Est
EPS
$0.48
—
Rev
$459M
—
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$0.42+13.5%
$0.37
Rev
$293M+0.6%
$291M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$0.38+17.1%
$0.32
Rev
$286M+1.0%
$283M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$0.39vs $0.38+2.6%
$287Mvs $291M-1.3%
Q1 2026Feb 27, 2026
$0.48
$459M
Q1 2026Jan 21, 2026
$0.42vs $0.37+13.5%
$293Mvs $291M+0.6%
Q4 2025Oct 22, 2025
$0.38vs $0.32+17.1%
$286Mvs $283M+1.0%
Based on last 12 quarters of dataView full earnings history →

Latest BANC News

Recent stock market news and headlines for Banc of California, Inc. (BANC)

247 Wallst·Jun 25, 2026
66 Years Old With $1.3 Million. Here Are 3 Hidden Gems to Buy

A 66-year-old with $1.3 million can't afford a dividend cut. The hunt for yield often pushes retirees into mega-caps, but I think the real income value sits in mid-caps whose GAAP earnings are masked by non-cash charges or sector stigma. Here's my dividend safety read on three overlooked names. Nexstar: Cash Flow Hides Behind a... 66 Years Old With $1.3 Million. Here Are 3 Hidden Gems to Buy

Zacks Investment Research·Jun 15, 2026
Banc of California (BANC) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Banc of California (BANC) have what it takes?

Peers Comparison

Key metrics vs top competitors for Banc of California, Inc. (BANC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
BANC logoBANCBanc of California, Inc.Current
$20.57$3.17B17.43-3.31%12.65%6.5%1.94%
WAL logoWALWestern Alliance Bancorporation
$81.82$8.93B9.375.17%17.35%12.4%—
EWBC logoEWBCEast West Bancorp, Inc.
$130.49$17.88B13.714.63%29.43%16.06%—
CVBF logoCVBFCVB Financial Corp.
$22.58$3.06B14.86-2.33%32.4%9.16%—
BOKF logoBOKFBOK Financial Corporation
$140.43$8.53B15.30-1.07%18.3%10.31%—
ZION logoZIONZions Bancorporation, National Association
$70.69$10.4B11.76-0.98%19.52%13.77%—

Compare BANC vs Peers

Banc of California, Inc. (BANC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WAL

Most directly comparable listed peer for BANC.

Scale Benchmark

vs MCO

Larger-name benchmark to compare BANC against a more recognizable public peer.

Peer Set

Compare Top 5

vs WAL, EWBC, CVBF, BOKF

BANC SEC Filings & Documents

Banc of California, Inc. (BANC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 8, 2026·SEC

Material company update

Apr 22, 2026·SEC

Material company update

Mar 6, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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BANC Frequently Asked Questions

Banc of California, Inc. (BANC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Banc of California, Inc. growing?

Banc of California, Inc. (BANC) saw revenue decline by 3.3% over the past year.

Is BANC profitable?

Yes, Banc of California, Inc. (BANC) is profitable, generating $247.4M in net income for fiscal year 2025 (12.6% net margin).

Dividend & Returns
Does BANC pay dividends?

Yes, Banc of California, Inc. (BANC) pays a dividend with a yield of 1.94%. This makes it attractive for income-focused investors.

What is BANC's return on equity?

Banc of California, Inc. (BANC) has a return on equity (ROE) of 6.5%. This is below average, suggesting room for improvement.

Industry Metrics
What is Banc of California, Inc.'s net interest margin?

Banc of California, Inc. (BANC) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

What is Banc of California, Inc.'s efficiency ratio?

Banc of California, Inc. (BANC) has an efficiency ratio of 40.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BANC back in 2001?

Total return calculator · dividends reinvested · 25+ years of data

See returns →