← BANC OF CALIFORNIA, INC. BANC
Market Price
$19.73
Market Cap
$3.03B
P/E Ratio
16.87
Revenue (FY 2025)
↑4.2% YoY
$38.80M
3-Yr CAGR: 62.4%
Net Income
↑80.5% YoY
$228.97M
Net Margin: 590.2%
Free Cash Flow
↑265.0% YoY
$234.77M
FCF Yield: 7.75%
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.
- FY 2022: Revenue YoY (+51.9%) is identical to Gross Profit YoY (+51.9%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (+272.8%) is identical to Gross Profit YoY (+272.8%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+10.2%) is identical to Gross Profit YoY (+10.2%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+4.2%) is identical to Gross Profit YoY (+4.2%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $325.5M | — | $266.0M | $115.4M | — | $1.94 | — | $13.7M | $-31.0M | — |
| FY 2017 | $304.2M | -6.5% | $219.2M | $57.7M | -50.0% | $0.71 | -63.4% | $563.0M | $547.7M | +1,866.4% |
| FY 2018 | $23.9M | -92.1% | $23.9M | $45.5M | -21.2% | $0.45 | -36.6% | $123.0M | $114.0M | -79.2% |
| FY 2019 | $12.1M | -49.3% | $12.1M | $23.8M | -47.8% | $0.05 | -88.9% | $80.3M | $69.8M | -38.8% |
| FY 2020 | $18.5M | +52.8% | $14.4M | $12.6M | -47.1% | $-0.04 | -180.0% | $74.9M | $69.8M | -0.0% |
| FY 2021 | $6.0M | -67.8% | $6.0M | $62.3M | +395.8% | $1.90 | +4,850.0% | $105.7M | $102.9M | +47.5% |
| FY 2022 | $9.1M | +51.9% | $9.1M | $120.9M | +94.0% | $3.79 | +99.5% | $136.1M | $132.0M | +28.2% |
| FY 2023 | $33.8M | +272.8% | $33.8M | $-1,899.1M | -1,670.3% | $-22.71 | -699.2% | $135.8M | $120.5M | -8.7% |
| FY 2024 | $37.2M | +10.2% | $37.2M | $126.9M | +106.7% | $0.52 | +102.3% | $77.4M | $64.3M | -46.6% |
| FY 2025 | $38.8M | +4.2% | $38.8M | $229.0M | +80.5% | $1.17 | +125.0% | $255.6M | $234.8M | +265.0% |
Valuation
Market Price
$19.73
Market Cap
$3.03B
Enterprise Value
$4.86B
P/E Ratio
16.87
P/B Ratio
0.86
FCF Yield
7.75%
Dividend Yield
2.03%
Shares Outstanding
Profitability & Margins
Gross Margin
5.26%
Operating Margin
807.00%
Net Margin
590.21%
Return on Equity (ROE)
6.47%
Return on Assets (ROA)
0.66%
Asset Turnover
0.00x
Revenue 3-Yr CAGR
62.40%
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
658.85%
FCF / Revenue
605.16%
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