NYSE$BANC

Banc Of California · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Banc of California reported Q4 2025, net income of $67.4M, diluted EPS of $0.42.

For Q4 2025, Banc of California reported net income of $67.4M, diluted EPS was $0.42. The filing discusses segment trends, liquidity, and management's outlook for upcoming periods.

  • Net income $67.4M.
  • Diluted EPS $0.42.
  • Banc of California updated capital allocation and operating priorities.

Headline financials

Total Revenue

$293M

Previous: $235M+24.5%
EPS (adj)

$0.42

Previous: $0.28+50.0%
Net interest margin

3.2%

Previous: 3.0%+5.3%
Common equity tier 1 capital ratio

10.0%

Previous: 10.6%-5.1%
Loan Annualized Growth

15.0%

No prior period
Book Value Per Share

$19.56

Previous: $17.78+10.0%
Tangible Book Value Per Share

$17.51

Previous: $15.72+11.4%
Total loans and leases

$25.2B

Previous: $23.8B+5.9%
Loan production and disbursements

$2.7B

No prior period
Weighted average interest rate on production

6.8%

No prior period
Average total cost of deposits

1.9%

Previous: 2.3%-16.4%
Average noninterest-bearing deposits

28.7%

No prior period
Total available liquidity

$14.2B

No prior period
Tier 1 risk-based capital ratio

12.3%

Previous: 13.0%-4.9%
Annualized net charge-offs (recoveries) to average loans and leases

0.0%

No prior period
ACL to loans and leases held for investment

1.1%

Previous: 1.1%-0.9%
Economic coverage ratio

1.6%

No prior period
Total risk-based capital ratio

16.3%

Previous: 17.1%-4.3%
Tier 1 leverage ratio

10.0%

Previous: 10.2%-1.6%
Total delinquent loans and leases to loans and leases held for investment

0.8%

Previous: 0.8%+5.3%
NPLs to loans and leases held for investment

0.6%

Previous: 0.8%-20.0%
NPAs to total assets

0.5%

Previous: 0.6%-13.6%
Classified loans and leases to loans and leases held for investment

3.2%

Previous: 2.4%+35.0%
Return on average assets

0.9%

Previous: 0.4%+152.8%
Return on average equity

8.8%

Previous: 3.7%+137.6%
Return on average tangible common equity

10.8%

Previous: 4.3%+147.1%
Efficiency ratio

59.4%

Previous: 72.7%-18.3%
Net Income

$67.4M

Previous: $56.9M+18.4%
Operating Income

$99.8M

Previous: $70.1M+42.3%

Revenue & EPS history

Banc of California · Revenue · Quarterly

$293M

Q4 2025+24.5%vs Q4 2024
Beat estimate in 10 of 14 quarters(71%)
ActualEstimate

Forward guidance

Management discusses Banc of California's outlook, including capital deployment, operating priorities, and key risks, alongside any formal guidance in the earnings materials.

Tailwinds

  • Banc of California cites execution on strategic priorities and demand in core markets.
  • Liquidity and balance sheet capacity support continued investment and returns.

Headwinds

  • Macro, rates, and input costs may pressure margins or volumes.
  • Segment mix and non-recurring items can affect sequential comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

+0.2%

Avg return

Earnings day

+0.9%

Avg return

5 days after

+3.2%

Avg return

30 days after

45%

30 / 66 earnings

Positive

+21.2%

Q3 2016

Best reaction

-11.8%

Q2 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.8%+2.7%+2.3%
Q4 2025-1.7%-4.5%-4.9%
Q3 2025-2.0%+1.6%+5.2%
Q2 2025-1.5%-0.4%+5.4%
Q1 2025-1.9%-1.5%+0.1%
Q4 2024-2.3%-0.1%-6.7%
Q3 2024+3.3%+2.8%+10.5%
Q2 2024-11.8%-1.9%-5.1%
Q1 2024-0.8%+0.8%-3.0%
Q4 2023+10.5%+11.3%+9.6%
Q3 2023-4.8%-4.0%+10.4%
Q2 2023+11.9%+10.0%-7.1%
Q1 2023-1.5%-7.1%-11.3%
Q4 2022-0.2%-2.6%+6.3%
Q3 2022-8.2%-5.4%-2.9%
Q2 2022-5.9%-3.6%-1.4%
Q1 2022-2.1%-2.5%-6.7%
Q4 2021-6.0%-7.2%-7.3%
Q3 2021+5.0%+9.3%+11.9%
Q2 2021+5.2%+5.5%+7.5%
Q1 2021-1.7%-1.5%-0.1%
Q4 2020-0.3%-1.1%+6.4%
Q3 2020+7.2%+2.3%+15.6%
Q2 2020+7.7%+7.7%+9.9%
Q1 2020-3.3%-9.7%+1.6%
Q4 2019-3.9%-3.2%-2.1%
Q3 2019-7.6%-7.3%-0.2%
Q2 2019+4.2%+6.7%-3.8%
Q1 2019-1.1%-0.8%-9.0%
Q4 2018-1.0%+0.0%+8.9%
Q3 2018-4.1%-0.1%+7.5%
Q2 2018+7.0%+7.0%+6.4%
Q1 2018+3.8%+1.4%+6.5%
Q4 2017-4.8%-9.2%-5.5%
Q3 2017+5.9%+2.7%+2.2%
Q2 2017-2.9%+0.2%-8.3%
Q1 2017-6.5%-2.1%-0.9%
Q4 2016+6.8%+10.5%+38.9%
Q3 2016+21.2%+15.7%+31.4%
Q2 2016+4.9%+11.7%+10.4%
Q1 2016+3.0%
Q4 2015+9.3%
Q3 2015+1.5%
Q2 2015-4.3%
Q1 2015-1.8%
Q4 2014+3.5%
Q3 2014+0.6%
Q2 2014+8.3%
Q1 2014+2.4%
Q4 2013-2.5%
Q3 2013-6.3%
Q2 2013-2.0%
Q1 2013+7.4%
Q4 2012+1.7%
Q3 2012-0.3%
Q2 2012+0.3%
Q1 2012+0.7%
Q1 2011+0.7%
Q4 2011+0.6%
Q4 2009+0.6%
Q3 2010-2.3%
Q3 2011-2.3%
Q2 2010-9.1%
Q2 2011-9.1%
Q4 2010-9.1%
Q1 2010+5.1%

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