BANC OF CALIFORNIA, INC. BANC

Latest FY: 2025 Financial Services Banks - Regional
Market Price $18.55
Market Cap $2.86B
P/E Ratio 15.85
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↓-3.8% YoY
$1.82B
3-Yr CAGR: 3.7%
Net Income ↑80.5% YoY
$228.97M
Net Margin: 12.6%
Free Cash Flow ↑265.0% YoY
$234.77M
FCF Yield: 8.21%
EPS (Diluted) ↑125.0% YoY
$1.17
Basic: $1.18
Return on Equity Efficiency
6.5%
ROA: 0.7%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (BANC)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2019: Revenue YoY (-49.3%) is identical to Gross Profit YoY (-49.3%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $325.5M $266.0M $115.4M $1.94 $0.49 2.82% $13.7M $-31.0M
FY 2017 $304.2M -6.5% $219.2M $57.7M -50.0% $0.71 -63.4% $0.52 2.52% $563.0M $547.7M +1,866.4%
FY 2018 $23.9M -92.1% $23.9M $45.5M -21.2% $0.45 -36.6% $0.52 3.91% $123.0M $114.0M -79.2%
FY 2019 $12.1M -49.3% $12.1M $23.8M -47.8% $0.05 -88.9% $0.31 1.80% $80.3M $69.8M -38.8%
FY 2020 $18.5M +52.8% $14.4M $12.6M -47.1% $-0.04 -180.0% $0.24 1.63% $74.9M $69.8M -0.0%
FY 2021 $6.0M -67.8% $6.0M $62.3M +395.8% $1.90 +4,850.0% $0.24 1.22% $105.7M $102.9M +47.5%
FY 2022 $1,631.3M +27,252.7% $1,572.9M $120.9M +94.0% $3.79 +99.5% $0.24 1.51% $136.1M $132.0M +28.2%
FY 2023 $1,522.7M -6.7% $298.8M $-1,899.1M -1,670.3% $-22.71 -699.2% $2.06 15.34% $135.8M $120.5M -8.7%
FY 2024 $1,889.8M +24.1% $1,003.2M $126.9M +106.7% $0.52 +102.3% $1.52 9.83% $77.4M $64.3M -46.6%
FY 2025 $1,818.8M -3.8% $1,119.5M $229.0M +80.5% $1.17 +125.0% $0.40 2.07% $255.6M $234.8M +265.0%
$

Valuation

Market Price $18.55
Market Cap $2.86B
Enterprise Value $4.70B
P/E Ratio 15.85
P/B Ratio 0.81
FCF Yield 8.21%
Dividend Yield 2.16%
Shares Outstanding 154,202,100
%

Profitability & Margins

Gross Margin 61.55%
Operating Margin 17.21%
Net Margin 12.59%
Return on Equity (ROE) 6.47%
Return on Assets (ROA) 0.66%
Asset Turnover 0.05x
Revenue 3-Yr CAGR 3.69%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.583
Debt / Assets 0.059
Cash & Equivalents $228.90M
Total Debt $2.06B
Book Value / Share $22.97
💧

Cash Flow Efficiency

Operating Cash Flow $255.60M
Capital Expenditures (CapEx) $20.83M
Free Cash Flow $234.77M
OCF / Revenue 14.05%
FCF / Revenue 12.91%
FCF 3-Yr CAGR 21.16%
🏷️

Per Share Metrics

EPS (Diluted) $1.17
EPS (Basic) $1.18
Dividends / Share $0.40
Book Value / Share $22.97
EPS YoY Growth 125.00%
🏛️

Balance Sheet (FY 2025)

Total Assets $34.80B
Total Liabilities $31.26B
Stockholders' Equity $3.54B
Current Assets N/A
Current Liabilities N/A