profit from every $100 of sales.
$0$100
Banc of California
$17.80-0.78% today
+2.8% in 1 year
1-year low $16.201-year high $21.83
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.32 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Banc of California sold, what it kept, and what it did with the cash.
Sales went from $1.34 billion in 2022 to $1.10 billion in 2025, with $229 million of profit last year.
SalesProfit
Banc of California handed back more cash to shareholders than it generated last year.
Buybacks $188M$104M
Free cash flow 2025$235M
Bought back its own shares$188M
Paid as dividends$104M
Cash vs. debt$2.3B vs. $3.0B
Banc of California vs. similar companies
Banc of California grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Banc of California | 12.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Banc of California's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,341 | 278 | 986 | 1,103 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 424 | -1,899 | 127 | 229 | |
| 1.89 | -22.71 | 0.52 | 1.17 | |
| – | – | – | – | |
| – | – | – | – | |
| 31.6% | -682.2% | 12.9% | 20.8% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 41,229 | 38,534 | 33,543 | 34,797 |
| Cash | 2,240 | 5,378 | 2,502 | 2,308 |
| Total debt | 2,631 | 1,230 | 2,160 | 3,017 |
| Total liabilities | 37,278 | 35,143 | 30,043 | 31,256 |
| 3,951 | 3,391 | 3,500 | 3,541 | |
| 61 | 85 | 169 | 162 | |
| – | – | – | – | |
| 10.7% | -56.0% | 3.6% | 6.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 702 | 136 | 77 | 256 | |
| 121 | 15 | 13 | 21 | |
| 581 | 121 | 64 | 235 | |
| Dividends paid | 140 | 89 | 108 | 104 |
| 176 | 0 | 0 | 188 | |
| 35 | 29 | 15 | 23 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.3×
- 10.5×
- –
- 0.8×
- 2.6×
- 8.1%
- 2.3%
Profitability
- 20.8%
- 0.7%
- 3.6%
- 7.1%
- 0.7%
Growth
- −6.3%
- −14.8%
- +10.8%
- +7.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 21%of 827
Bottom 40%of 709
Top 40%of 876
Bottom 12%of 879
Top 35%of 926
What analysts expect
- Average price target
- $17.50
- Range
- $15.00 – $20.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.39 | 0.38 | +2.6% |
| Jan 21, 2026 | 0.42 | 0.37 | +13.5% |
| Oct 22, 2025 | 0.38 | 0.32 | +17.1% |
| Apr 23, 2025 | 0.26 | 0.24 | +8.3% |
| Jan 23, 2025 | 0.28 | 0.23 | +21.7% |
| Oct 22, 2024 | 0.25 | 0.14 | +76.7% |
| Jul 23, 2024 | 0.10 | 0.19 | −47.4% |
| Apr 23, 2024 | 0.19 | 0.26 | −26.9% |
2.3%of the share price, paid each year
On $1,000 invested$23a year at today's yield, before tax
+10.8%2020 to 2025
Raised–not every year
Paid per share, each year
$0.48 in 2015 → $0.40 in 2025
How safe it looks
45.3% of its profit
Room to growStretchedMore than it earns: 44.2%
News
Banc of California expects Q4 pretax pre-provision income of $125M-$130M as NIM guides to 3.35%-3.40%Seeking Alpha · Oct 28, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
38No pass
Benjamin Graham
57No pass
Philip Fisher
43No pass
Peter Lynch
26No pass
Joel Greenblatt
18No pass
Charlie Munger
38No pass
Terry Smith
38No pass
Questions about Banc of California
Is Banc of California a good stock to buy?
A strong, very profitable business, and the price looks low. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Banc of California AI analysis
What does Banc of California do?
Banc 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. It is in Banks - Regional, based in Los Angeles, CA, United States, with 1,904 employees.
Does Banc of California pay a dividend?
Yes. At today's price the dividend is 2.3% a year, about 45% of its yearly profit. In 2025 it paid out $104 million in dividends.
Is Banc of California stock halal?
No. Banc of California does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Banc of California stock done over the past year?
Up 2.8% over the past twelve months, to $17.80. It traded between $16.20 and $21.83 and is 18.5% below its high.
Who are Banc of California's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Banc of California's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.