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Banc of California BANC Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$292.9MBeat by $1.8M
EPS$0.42Beat by $0.05
Revenue estimate$291.1M
EPS estimate$0.37

Next report

Oct 28, 2026 (In 3 weeks)
Revenue estimate$306.2M
EPS estimate$0.45

Financials

Q4 2025

Income statement

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Revenue$292.9M+10.8%
Net income$77.4M+36.0%
EPS (diluted)$0.42+50.0%

Balance sheet

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Cash & equivalents$2.3B-7.8%
Total debt$2.4B+59.9%
Total equity$3.5B+1.2%
Total assets$34.8B+3.7%

Cash flow

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Operating cash flow$102.1M+27.9%
CapEx$17.9M+332%
Free cash flow$84.2M+11.3%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$3B+15.0%
Enterprise value$3.11B+92.2%
P/E13.1×-7.4×
P/S2.7×+0.1×

Profitability

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Net margin20.5%+7.8pp
FCF margin21%—

Returns & leverage

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Return on equity6.5%+2.8pp
Debt / equity0.7×+0.3×

Segments

By product

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Total noninterest (loss) income$9.5M+2.4%
Service charges on deposit accounts$5.0M+5.6%
Commissions and fees$4.5M+3.3%
Other income$1.0K-99.5%
Dividends and gains on equity investments-—

FAQ

When did Banc of California report Q4 2025 earnings?
Banc of California (BANC) reported Q4 2025 earnings on January 21, 2026 after market close.
What were Banc of California's Q4 2025 revenue and EPS?
Banc of California reported revenue of $292.9M and eps of $0.42 for Q4 2025.
Did Banc of California beat estimates in Q4 2025?
Revenue beat the consensus estimate of $291.1M by $1.8M. EPS beat the consensus estimate of $0.37 by $0.05.
How did Banc of California's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 34.8% from $449.0M a year earlier and eps grew 25.3% from $0.34.
Where can I find Banc of California's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001628280-26-002899) and the 10-K periodic report (0001628280-26-012946) directly on SEC EDGAR. The filing index links above go to sec.gov.