Stocks · Financial Services · Banks - Regional
Banc of California, Inc. BANC
$17.74 +1.43% Close, Oct 2, 2026 · NYSE · Market cap $2.73B
High risk
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-0.36, down 155.1% year over year.
- Operating margin narrowed to -2.0% from 11.5% a year earlier.
- Net debt is 26.1× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 30%
- EPS growth (TTM, YoY)Bottom 6%
- FCF growth (TTM, YoY)Top 21%
- Revenue growth, 3-year CAGRBottom 14%
- Revenue growth accelerationTop 42%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 27%
- Gross marginBottom 26%
- Operating marginBottom 10%
- Accruals (lower is better)Top 31%
- Net debt / EBITDA (lower is better)Bottom 3%
- Interest coverBottom 10%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 11%
- Free-cash-flow yieldTop 22%
- EBITDA / enterprise valueBottom 25%
- Sales / enterprise valueTop 20%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 45%
- 6-month returnBottom 23%
- 1-year return vs S&P 500Top 47%
- Distance from 52-week highBottom 27%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 3%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 40%
- Upside to consensus price targetBottom 3%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 19%
- Maximum drawdown, 3 yearsBottom 41%
- Beta vs S&P 500 (lower is better)Bottom 29%
- Net debt / EBITDA (lower is better)Bottom 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.7% | 1.0% | ↑ |
| EPS growth (YoY) | 109.6% | -155.1% | ↓ |
| Gross margin | 53.0% | 53.1% | ↑ |
| Operating margin | 11.5% | -2.0% | ↓ |
| FCF margin | 11.5% | 20.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 1.0% | 0.7% | ↑ | Bottom 30% |
| EPS growth (TTM, YoY) | -155.1% | 109.6% | ↓ | Bottom 6% |
| Gross margin | 53.1% | 53.0% | ↑ | Bottom 26% |
| Operating margin | -2.0% | 11.5% | ↓ | Bottom 10% |
| Net margin | -1.2% | 8.4% | ↓ | — |
| Free-cash-flow margin | 20.8% | 11.5% | ↑ | — |
| Return on invested capital | -0.2% | — | Bottom 27% | |
| Revenue growth, 3-year CAGR | 4.1% | — | Bottom 14% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -101.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 26.15×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.50%
- Net buyback yield (TTM)
- -5.47%
- Shareholder yield
- -2.97%
- Share count change, 1 year
- -1.7%
- Share count change, 3-year CAGR
- +2.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $15.00
- Target vs current price
- -15.4%
- Analysts with a rating
- 27
- Share rating Buy or Strong Buy
- 56%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | -505.4% | -12.2% | -7.8% | -12.2% | — |
| Apr 22, 2026 | +2.6% | -0.9% | +1.8% | -0.5% | +14.3% |
| Jan 21, 2026 | +13.5% | +4.4% | -0.3% | -1.2% | -8.6% |
| Oct 22, 2025 | +17.1% | +0.6% | +2.2% | -1.6% | +24.0% |
| Jul 23, 2025 | -56.0% | +1.3% | -0.1% | +3.3% | +11.9% |
| Apr 23, 2025 | +8.3% | +2.8% | +1.3% | +7.1% | +12.5% |
| Jan 23, 2025 | +21.7% | -2.3% | -0.1% | -3.9% | -17.8% |
| Oct 22, 2024 | +76.7% | +4.2% | +7.0% | +8.3% | +9.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | -$1.61 | $0.40 | -505.4% | $285.7M |
| Apr 22, 2026 | $0.39 | $0.38 | +2.6% | $286.9M |
| Jan 21, 2026 | $0.42 | $0.37 | +13.5% | $292.9M |
| Oct 22, 2025 | $0.38 | $0.32 | +17.1% | $286.4M |
| Jul 23, 2025 | $0.12 | $0.27 | -56.0% | $272.8M |
| Apr 23, 2025 | $0.26 | $0.24 | +8.3% | $264.0M |
| Jan 23, 2025 | $0.28 | $0.23 | +21.7% | $264.3M |
| Oct 22, 2024 | $0.25 | $0.14 | +76.7% | $212.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / EBITDA | 356.5× | — | — | Bottom 25% |
| EV / Sales | 1.65× | — | — | Top 20% |
| Free-cash-flow yield | 13.57% | — | — | Top 22% |
| Earnings yield | -2.03% | — | — | Bottom 11% |
P/E over the past five years
Range 9.4× – 28.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +6.8%
- Earnings per share growth (TTM)
- -155.1%
- Change in P/E multiple
- -34.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -5.4%
- 200-day average slope (20 days)
- -0.2%
- Distance from 50-day average
- -5.5%
- Distance from 200-day average
- -7.4%
- RSI (14)
- 41.6
- Relative volume
- 0.85×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 36.1%
- Volatility vs own 5-year history
- 52th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.88
- Correlation with S&P 500
- 0.49
- Current drawdown from 1-year high
- -18.7%
- Maximum drawdown, 3 years
- -32.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 11, 2023 | -54.3% | 331 days | Not yet recovered |
| Mar 12, 2021 | Jul 19, 2021 | -26.6% | 88 days | 78 days (Nov 5, 2021) |
| Nov 16, 2021 | Dec 17, 2021 | -13.3% | 22 days | 19 days (Jan 14, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.73B
- EPS, diluted (TTM)
- -$0.36
- Revenue (TTM)
- $1.78B
- Dividend yield
- 2.59%
- 52-week range
- $15.33 – $21.93
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.34B | $1.61B | $1.50B | $1.87B | $1.81B |
| Gross profit | $1.44B | $1.32B | $226.4M | $943.1M | $1.06B |
| Operating income | $822.3M | $567.6M | -$2.21B | $168.7M | $325.6M |
| Net income | $607.0M | $423.6M | -$1.90B | $126.9M | $229.0M |
| EPS (diluted) | $0.95 | $0.85 | -$22.71 | $0.52 | $1.18 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $427.4M | $449.0M | $438.3M | $448.2M | $465.5M | $458.5M | $442.8M | $414.6M |
| Net income | $8.8M | $56.9M | $53.6M | $28.4M | $69.6M | $77.4M | $72.0M | -$240.2M |
| EPS (diluted) | -$0.01 | $0.28 | $0.26 | $0.12 | $0.38 | $0.42 | $0.45 | -$1.61 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $503.0M | $702.0M | $135.8M | $77.4M | $255.6M |
| Capital expenditure | -$48.0M | -$120.9M | -$15.2M | -$13.0M | -$20.8M |
| Free cash flow | $454.9M | $581.1M | $120.5M | $64.3M | $234.8M |
| Dividends paid | -$119.4M | -$120.3M | -$48.9M | -$68.3M | -$63.9M |
| Net share buybacks | -$100.5M | $489.0M | $383.0M | $308,000 | -$187.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $7.30B
- Total assets
- $34.81B
- Total liabilities
- $31.62B
- Total debt
- $3.03B
- Net debt
- $215.9M
- Shareholders’ equity
- $3.19B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.12 | Oct 1, 2026 |
| Jun 15, 2026 | $0.12 | Jul 1, 2026 |
| Mar 16, 2026 | $0.12 | Apr 1, 2026 |
| Dec 15, 2025 | $0.10 | Jan 2, 2026 |
| Sep 15, 2025 | $0.10 | Oct 1, 2025 |
| Jun 16, 2025 | $0.10 | Jul 1, 2025 |
| Mar 14, 2025 | $0.10 | Apr 1, 2025 |
| Dec 16, 2024 | $0.10 | Jan 2, 2025 |
Short interest
- Shares sold short
- 11,155,210
- Days to cover
- 4.29
- Change vs previous report
- +10.1%
FINRA short interest, settlement date Sep 15, 2026.