For the quarter ended September 2025, Banc of California (BANC) reported revenue of $287.73 million, up 4% over the same period last year. EPS came in at $0.38, compared to $0.25 in the year-ago quarter.
The reported revenue represents a surprise of +0.3% over the Zacks Consensus Estimate of $286.88 million. With the consensus EPS estimate being $0.34, the EPS surprise was +11.76%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Banc of California performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Annualized net loan charge-offs (recoveries) to average total loans held-for-investment: -0% versus the four-analyst average estimate of 0.1%.
- Efficiency Ratio: 62.1% versus the four-analyst average estimate of 64%.
- Net Interest Margin: 3.2% versus the four-analyst average estimate of 3.2%.
- Average Balance - Total interest-earning assets: $31.2 billion versus $31.73 billion estimated by three analysts on average.
- Total Nonperforming loans: $174.54 million versus the three-analyst average estimate of $172.48 million.
- Total Nonperforming assets: $179.33 million versus $177.88 million estimated by three analysts on average.
- Total NonInterest Income: $34.29 million versus the four-analyst average estimate of $34.68 million.
- Net Interest Income: $253.44 million versus $252.2 million estimated by four analysts on average.
- Service charges on deposit accounts: $5.11 million versus $4.53 million estimated by two analysts on average.
- Leased equipment income: $10.32 million versus the two-analyst average estimate of $10.44 million.
- Other commissions and fees: $9.51 million versus $9.84 million estimated by two analysts on average.
View all Key Company Metrics for Banc of California here>>>
Shares of Banc of California have returned +1.6% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Banc of California, Inc. (BANC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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