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Bank of California reported third-quarter earnings per share of $0.46 and pre-tax pre-provision income of $118.4 million; fourth-quarter guidance calls for $125 million to $130 million and net interest margin of 3.35% to 3.40%.
Banc of California, Inc. reported third-quarter 2026 net earnings available to common and equivalent stockholders of $73.1 million and diluted earnings per share of $0.46, up 21% from $0.38 year-over-year, following its second-quarter strategic balance sheet repositioning.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. Third-quarter diluted EPS rose 21% year over year to $0.46, PTPP increased 16% to $118.4 million, NII rose 9% sequentially to $272.4 million, NIM expanded to 3.34%, loans and deposits grew, and credit metrics improved. Management maintained fourth-quarter PTPP and year-end CET1 guidance, narrowed NIM guidance, expects CET1 above 10% in 1Q27, and sees potential incremental annual NII from multifamily repricing, while higher funding costs, securities losses, and $17.3 million of net charge-offs remain risks.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Still-open targets the latest release did not restate under the same label.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized net charge-offs to average loans and leases | 2.54% | three months ended June 30, 2026 filing | — |
| Average cost of borrowings | 4.44% | three months ended June 30, 2026 filing | — |
| Average total cost of deposits | 1.8% | three months ended June 30, 2026 filing | — |
| Average total cost of funds | 2.14% | three months ended June 30, 2026 filing | — |
| Average yield on interest-earning assets | 5.18% | three months ended June 30, 2026 filing | — |
| Average yield on loans and leases | 5.63% | three months ended June 30, 2026 filing | — |
| Net charge-offs | -$160.28M | Three Months Ended June 30, 2026 filing | — |
| Net interest margin | 3.13% | three months ended June 30, 2026 filing | — |
| Noninterest-bearing deposits as percentage of average total deposits | 28.5% | three months ended June 30, 2026 filing | — |
| Provision for credit losses | $160M | Three Months Ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BANC
this stock
Banc Of California, Inc.
|
$2.84B | -6.9% | -3.8% | — | 7.1% |
|
HDB
Hdfc Bank Ltd
|
$125.16B | -32.4% | -3.2% | — | 0.8% |
|
MFG
Mizuho Financial Group Inc
|
$118.31B | +28.3% | — | — | 0.0% |
|
IBN
Icici Bank Ltd
|
$112.24B | +9.2% | — | — | 0.6% |
|
CIXPF
CaixaBank
|
$96.49B | +14.0% | — | — | 0.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Banc of California, Inc. reported third-quarter 2026 net earnings available to common and equivalent stockholders of $73.1 million and diluted earnings per share of $0.46, up 21% from $0.38 year-over-year, following its second-quarter strategic balance sheet repositioning.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BANC | -3.4% | +3.5% | -1.9% | -1.5% | -6.9% |
| SPY | -4.7% | -5.3% | -0.8% | -3.0% | +7.5% |
| vs SPY | +1.3% | +8.8% | -1.0% | +1.5% | -14.4% |
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
