Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Banc of California, Inc.'s quarterly P/E stands at 11.5x, down 16.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 20.1% YoY to 7.6x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.25 | 11.48 | 10.89 | 29.27 | 13.64 | 13.80 | — | 26.63 | 31.69 | — | 4.18 | 9.34 | 9.21 |
| — | -16.8% | — | +9.9% | -56.9% | — | — | +185.1% | +243.9% | — | -58.1% | -8.8% | +31.3% | |
| P/S Ratio | 1.63 | 1.68 | 1.41 | 1.24 | 1.37 | 1.46 | 1.45 | 1.10 | 1.26 | 0.44 | 0.91 | 1.02 | 0.82 |
| — | +15.3% | -2.7% | +12.6% | +9.0% | +234.6% | +59.4% | +8.3% | +53.9% | -90.4% | -80.3% | -81.2% | -87.0% | |
| P/B Ratio | 0.87 | 0.87 | 0.76 | 0.65 | 0.68 | 0.75 | 0.71 | 0.63 | 0.75 | 0.57 | 1.77 | 1.73 | 1.87 |
| — | +16.3% | +6.9% | +2.9% | -9.4% | +32.4% | -59.8% | -63.5% | -59.7% | +19.2% | -10.6% | -20.7% | -19.5% | |
| P/FCF | 12.60 | 9.17 | 8.72 | 9.06 | 44.21 | 8.67 | 12.11 | 17.44 | — | 6.12 | 16.27 | 6.25 | — |
| — | +5.7% | -28.0% | -48.1% | — | +41.7% | -25.6% | +179.1% | — | -71.6% | +18.7% | -41.5% | — | |
| EV / EBITDA | 9.23 | 7.58 | 8.01 | 9.35 | 6.75 | 6.31 | 14.23 | 5.99 | 8.74 | — | — | — | — |
| — | +20.1% | -43.7% | +56.2% | -22.8% | — | — | — | — | — | — | — | — | |
| EV / EBIT | 11.26 | 8.45 | 8.64 | 14.30 | 9.16 | 8.76 | 53.47 | 10.27 | 15.03 | — | — | — | — |
| — | -3.5% | -83.9% | +39.2% | -39.1% | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Banc of California, Inc.'s operating margin was 24.5% in Q4 2025, up 4.7 pp QoQ and up 8.9 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 17.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 16.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.7% | 63.9% | 61.5% | 51.2% | 57.9% | 55.0% | 47.7% | 50.0% | 48.9% | -3.8% | 35.1% | 12.5% | 55.9% |
| — | +16.1% | +29.1% | +2.5% | +18.4% | +1536.4% | +35.9% | +300.4% | -12.5% | -105.0% | -58.1% | -86.1% | -55.9% | |
| Operating Margin | 18.0% | 24.5% | 19.8% | 10.7% | 16.7% | 15.6% | 2.7% | 9.1% | 8.3% | -211.3% | -5.5% | -65.0% | -230.1% |
| — | +56.9% | +636.4% | +16.8% | +99.7% | +107.4% | +149.2% | +114.1% | +103.6% | -809.2% | -116.3% | -268.6% | -408.4% | |
| Net Margin | 12.6% | 16.9% | 15.0% | 6.3% | 12.2% | 12.7% | 2.1% | 6.2% | 6.1% | -180.1% | -4.8% | -48.6% | -218.3% |
| — | +33.2% | +627.8% | +1.9% | +101.3% | +107.0% | +142.8% | +112.8% | +102.8% | -959.4% | -120.2% | -273.8% | -505.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.5% | 2.2% | 2.0% | 0.8% | 1.5% | 1.6% | 0.3% | 0.9% | 0.9% | -90.1% | -2.4% | -20.6% | -48.7% |
| — | +35.7% | +693.8% | -8.4% | +67.8% | +101.8% | +110.7% | +104.3% | +101.9% | -10368.6% | -193.6% | -843.7% | -1126.1% | |
| ROA | 0.7% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.0% | 0.1% | 0.1% | -8.3% | -0.3% | -2.0% | -4.7% |
| — | +32.3% | +696.9% | -2.0% | +92.4% | +102.1% | +110.2% | +104.2% | +101.8% | -9838.2% | -197.8% | -826.8% | -1012.1% | |
| ROIC | 3.9% | 1.3% | 1.1% | 0.6% | 0.9% | 0.9% | 0.1% | 0.5% | 0.5% | -35.9% | -0.8% | -7.0% | -19.4% |
| — | +46.4% | +645.6% | +5.8% | +97.3% | +102.5% | +118.4% | +107.8% | +102.4% | -6947.7% | -165.4% | -614.4% | -855.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Banc of California, Inc.'s Debt/EBITDA ratio is 24.1x, down from 29.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 41.2% YoY to 0.26x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.85 | 0.85 | 0.85 | 0.84 | 0.74 | 0.67 | 0.72 | 0.70 | 0.91 | 1.13 | 1.47 | 1.67 | 2.28 |
| — | +27.8% | +17.6% | +19.8% | -18.1% | -41.2% | -50.6% | -58.1% | -60.2% | +70.4% | +14.2% | +44.3% | +110.2% | |
| Debt / EBITDA | 7.60 | 24.08 | 29.71 | 39.14 | 26.38 | 23.98 | 58.54 | 31.08 | 42.22 | — | — | — | — |
| — | +0.4% | -49.3% | +25.9% | -37.5% | — | — | — | — | — | — | — | — | |
| Current Ratio | 0.26 | 0.26 | 0.18 | 0.17 | 0.09 | 0.18 | 0.19 | 0.18 | 0.18 | 0.24 | 0.18 | 0.17 | 0.27 |
| — | +41.2% | -3.1% | -1.5% | -49.3% | -24.6% | +6.8% | +4.1% | -32.5% | +11.3% | +20.0% | +18.0% | +82.0% | |
| Quick Ratio | 0.26 | 0.26 | 0.18 | 0.17 | 0.09 | 0.18 | 0.19 | 0.18 | 0.18 | 0.24 | 0.18 | 0.17 | 0.27 |
| — | +41.2% | -3.1% | -1.5% | -49.3% | -24.6% | +6.8% | +4.1% | -32.5% | +11.3% | +20.0% | +18.0% | +82.0% | |
| Interest Coverage | 0.47 | 0.68 | 0.52 | 0.27 | 0.42 | 0.37 | 0.05 | 0.19 | 0.17 | -2.12 | -0.08 | -0.75 | -5.28 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Banc of California, Inc.'s current P/E is 16.2x. The average P/E over the last 4 quarters is 16.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Banc of California, Inc.'s current operating margin is 18.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Banc of California, Inc.'s business trajectory between earnings reports.