Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -367.69 | 9.36 | — | 9.77 | 11.48 | 10.89 | 29.27 | 13.64 | 13.80 | — | 26.63 | 31.69 | — | 4.18 | 9.34 | 9.21 | 11.06 | 9.98 | 10.24 | 7.01 | 100.10 |
| — | -14.0% | — | -28.4% | -16.8% | — | +9.9% | -56.9% | — | — | +185.1% | +243.9% | — | -58.1% | -8.8% | +31.3% | -88.9% | -9.3% | -20.6% | -76.7% | +852.7% | |
| P/S Ratio | 2.44 | 2.27 | 3.18 | 2.45 | 2.64 | 2.30 | 2.08 | 2.28 | 2.53 | 2.92 | 2.11 | 2.47 | 168.02 | 2.60 | 7.85 | 1.45 | 5.95 | 5.53 | 6.06 | 6.90 | 7.38 |
| — | -1.1% | +52.9% | +7.7% | +4.4% | -21.3% | -1.6% | -8.0% | -98.5% | +12.3% | -73.1% | +70.8% | +2721.6% | -53.0% | +29.5% | -79.0% | -19.4% | -30.1% | -25.3% | -18.6% | +17.8% | |
| P/B Ratio | 0.81 | 0.82 | 1.00 | 0.79 | 0.87 | 0.76 | 0.65 | 0.68 | 0.75 | 0.71 | 0.63 | 0.75 | 0.57 | 1.77 | 1.73 | 1.87 | 0.48 | 1.98 | 2.18 | 2.32 | 2.16 |
| — | +8.6% | +53.5% | +16.0% | +16.3% | +6.9% | +2.9% | -9.4% | +32.4% | -59.8% | -63.5% | -59.7% | +19.2% | -10.6% | -20.7% | -19.5% | -78.0% | -23.0% | -11.8% | -11.6% | +12.8% | |
| P/FCF | 7.64 | 10.30 | 4.83 | 15.43 | 9.17 | 8.72 | 9.06 | 44.21 | 8.67 | 12.11 | 17.44 | — | 6.12 | 16.27 | 6.25 | — | 21.55 | 13.71 | 10.68 | 119.93 | 6.12 |
| — | +18.2% | -46.7% | -65.1% | +5.7% | -28.0% | -48.1% | — | +41.7% | -25.6% | +179.1% | — | -71.6% | +18.7% | -41.5% | — | +252.3% | -72.0% | -18.1% | +423.5% | -49.1% | |
| EV / EBITDA | 15.47 | 3.21 | — | 12.77 | 6.95 | 6.78 | 9.35 | 6.75 | 6.31 | 14.23 | 5.99 | 8.74 | — | — | — | — | 16.38 | 18.49 | 17.78 | 10.73 | 7.89 |
| — | -52.6% | — | +89.3% | +10.1% | -52.3% | +56.2% | -22.8% | — | — | — | — | — | — | — | — | +107.8% | -10.3% | -28.5% | -68.3% | -55.3% | |
| EV / EBIT | 10.67 | 3.21 | — | 15.84 | 8.45 | 8.64 | 14.30 | 9.16 | 8.76 | 53.47 | 10.27 | 15.03 | — | — | — | — | 18.53 | 20.85 | 19.83 | 11.43 | 84.86 |
| — | -62.8% | — | +73.0% | -3.5% | -83.9% | +39.2% | -39.1% | — | — | — | — | — | — | — | — | -78.2% | -10.0% | -31.3% | -73.0% | +319.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 95.6% | 96.6% | 35.4% | 96.6% | 100.0% | 100.0% | 85.7% | 96.1% | 95.1% | 95.8% | 95.7% | 96.1% | -1473.5% | 100.0% | 96.2% | 99.0% | 100.0% | 100.0% | 100.6% | 138.9% | 86.4% |
| — | -3.4% | -58.7% | +0.5% | +5.2% | +4.4% | -10.4% | +0.0% | +106.5% | -4.2% | -0.5% | -2.9% | -1573.5% | 0.0% | -4.3% | -28.7% | +15.7% | -1.7% | -2.9% | +36.2% | -12.3% | |
| Operating Margin | 29.3% | 35.6% | -133.8% | 33.4% | 38.3% | 32.2% | 17.9% | 27.7% | 27.0% | 5.4% | 17.5% | 16.4% | -81290.4% | -15.6% | -501.3% | -407.7% | 38.8% | 40.1% | 43.1% | 81.7% | 10.9% |
| — | +10.3% | -848.9% | +20.6% | +42.1% | +495.7% | +2.1% | +68.7% | +100.0% | +134.7% | +103.5% | +104.0% | -209498.6% | -138.9% | -1262.2% | -598.9% | +255.4% | -13.7% | +6.6% | +205.4% | -73.8% | |
| Net Margin | 20.6% | 27.3% | -95.9% | 25.1% | 26.4% | 24.3% | 10.6% | 20.3% | 21.9% | 4.1% | 11.9% | 11.9% | -69298.8% | -13.7% | -374.3% | -386.7% | 27.3% | 28.4% | 31.2% | 58.9% | 7.4% |
| — | +12.5% | -1005.3% | +23.6% | +20.6% | +488.7% | -11.0% | +70.0% | +100.0% | +130.1% | +103.2% | +103.1% | -253832.3% | -148.2% | -1297.7% | -756.4% | +269.9% | -15.9% | +3.8% | +155.3% | -76.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.5% | 2.5% | -7.1% | 2.0% | 2.2% | 2.0% | 0.8% | 1.5% | 1.6% | 0.3% | 0.9% | 0.9% | -90.1% | -2.4% | -20.6% | -48.7% | 0.9% | 2.5% | 2.8% | 4.7% | 0.6% |
| — | +25.7% | -971.9% | +32.9% | +35.7% | +693.8% | -8.4% | +67.8% | +101.8% | +110.7% | +104.3% | +101.9% | -10368.6% | -193.6% | -843.7% | -1126.1% | +45.8% | -8.0% | +18.8% | +181.0% | -75.4% | |
| ROA | 0.7% | 0.2% | -0.7% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.0% | 0.1% | 0.1% | -8.3% | -0.3% | -2.0% | -4.7% | 0.1% | 0.3% | 0.3% | 0.5% | 0.1% |
| — | +16.7% | -928.5% | +30.1% | +32.3% | +696.9% | -2.0% | +92.4% | +102.1% | +110.2% | +104.2% | +101.8% | -9838.2% | -197.8% | -826.8% | -1012.1% | +30.7% | -9.8% | +17.3% | +181.2% | -76.6% | |
| ROIC | 3.9% | 1.3% | -3.8% | 1.1% | 1.3% | 1.1% | 0.6% | 0.9% | 0.9% | 0.1% | 0.5% | 0.5% | -35.9% | -0.8% | -7.0% | -19.4% | 0.5% | 1.2% | 1.4% | 2.6% | 0.3% |
| — | +18.5% | -755.1% | +15.2% | +46.4% | +645.6% | +5.8% | +97.3% | +102.5% | +118.4% | +107.8% | +102.4% | -6947.7% | -165.4% | -614.4% | -855.1% | +51.6% | -5.7% | +33.7% | +271.6% | -73.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.85 | 0.89 | 0.95 | 0.99 | 0.85 | 0.85 | 0.84 | 0.74 | 0.67 | 0.72 | 0.70 | 0.91 | 1.13 | 1.47 | 1.67 | 2.28 | 0.67 | 1.28 | 1.16 | 1.08 | 0.77 |
| — | +4.5% | +13.6% | +32.8% | +27.8% | +17.6% | +19.8% | -18.1% | -41.2% | -50.6% | -58.1% | -60.2% | +70.4% | +14.2% | +44.3% | +110.2% | -13.1% | +12.0% | -10.3% | -20.0% | -15.8% | |
| Debt / EBITDA | 7.07 | 10.72 | — | 29.53 | 22.08 | 25.14 | 39.14 | 26.38 | 23.98 | 58.54 | 31.08 | 42.22 | — | — | — | — | 76.03 | 31.74 | 26.67 | 14.78 | 8.91 |
| — | -57.4% | — | +11.9% | -7.9% | -57.1% | +25.9% | -37.5% | — | — | — | — | — | — | — | — | +753.2% | +17.4% | -25.7% | -71.7% | -64.2% | |
| Current Ratio | 0.26 | 0.25 | 0.27 | 0.41 | 0.26 | 0.18 | 0.17 | 0.09 | 0.18 | 0.19 | 0.18 | 0.18 | 0.24 | 0.18 | 0.17 | 0.27 | 0.22 | 0.15 | 0.14 | 0.15 | 0.20 |
| — | +38.3% | +55.6% | +344.0% | +41.2% | -3.1% | -1.5% | -49.3% | -24.6% | +6.8% | +4.1% | -32.5% | +11.3% | +20.0% | +18.0% | +82.0% | +5.5% | -32.9% | -39.1% | -42.3% | -13.2% | |
| Quick Ratio | 0.26 | 0.25 | 0.27 | 0.41 | 0.26 | 0.18 | 0.17 | 0.09 | 0.18 | 0.19 | 0.18 | 0.18 | 0.24 | 0.18 | 0.17 | 0.27 | 0.22 | 0.15 | 0.14 | 0.15 | 0.20 |
| — | +38.3% | +55.6% | +344.0% | +41.2% | -3.1% | -1.5% | -49.3% | -24.6% | +6.8% | +4.1% | -32.5% | +11.3% | +20.0% | +18.0% | +82.0% | +5.5% | -32.9% | -39.1% | -42.3% | -13.2% | |
| Interest Coverage | 0.47 | 1.63 | -2.04 | 0.61 | 0.68 | 0.52 | 0.27 | 0.42 | 0.37 | 0.05 | 0.19 | 0.17 | -2.12 | -0.08 | -0.75 | -5.28 | 1.28 | 2.06 | 3.64 | 8.60 | 1.00 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying BANC stock.
Banc of California, Inc.'s current P/E is -367.7x. The average P/E over the last 3 quarters is 10.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Banc of California, Inc.'s current operating margin is 29.3%. Margins have been compressing 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.