What is the long-term trend for Banc of California's debt instrument - effective interest rate?

Over 2 years (2023 to 2025), Banc of California's debt instrument - effective interest rate has grown at a -4.7% compound annual growth rate (CAGR), from 4.9% to 4.5%.

Banc of California BANC Debt Instrument - Effective Interest Rate

Debt Instrument - Effective Interest Rate at other companies

Heritage FinancialHFWA

5.5%-0.6pp

HRO

HarrowHROW

9.2%-1.5pp

CitigroupC

4.4%0.0pp

Service Corporation InternationalSCI

5.4%-1.0pp

Essential UtilitiesWTRG

4.1%+0.1pp

PaccarPCAR

12.2%+0.7pp

Other financials

Income statement

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Revenue$286.9M+7.9%

Net income$72.0M+34.3%

EPS (diluted)$0.39+50.0%

Balance sheet

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Cash & equivalents$2.2B-5.4%

Total debt$3.1B+73.6%

Total equity$3.6B+0.9%

Total assets$34.7B+2.8%

Cash flow

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Operating cash flow$49.0M+224%

CapEx$3.4M+122%

Free cash flow$45.6M+235%

Valuation

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Market cap$3.2B+47.2%

Enterprise value$4.09B+153%

P/E12.9×-1.6×

P/S2.8×+0.6×

Profitability

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Net margin21.7%+6.8pp

FCF margin23.4%—

Returns & leverage

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Return on equity7%+2.7pp

Debt / equity0.9×+0.4×

Where this comes from

Reported directly by Banc of California in its filing.

Tagged under the XBRL concept us-gaap:LongTermDebtPercentageBearingFixedInterestRate.

The official record: Banc of California’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Banc of California's debt instrument - effective interest rate?: Banc of California (BANC) reported debt instrument - effective interest rate of 4.3% in Q1 2026.
How has Banc of California's debt instrument - effective interest rate changed year-over-year?: Banc of California's debt instrument - effective interest rate decreased by 12.7% year-over-year, from 5% to 4.3%.
What is the long-term trend for Banc of California's debt instrument - effective interest rate?: Over 2 years (2023 to 2025), Banc of California's debt instrument - effective interest rate has grown at a -4.7% compound annual growth rate (CAGR), from 4.9% to 4.5%.