Banc of California (BANC) reported $292.93 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 10.9%. EPS of $0.42 for the same period compares to $0.28 a year ago.
The reported revenue represents a surprise of +0.07% over the Zacks Consensus Estimate of $292.72 million. With the consensus EPS estimate being $0.38, the EPS surprise was +10.53%.
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 0.1% estimated by four analysts on average.
- Efficiency Ratio: 59.4% versus the four-analyst average estimate of 62.6%.
- Net Interest Margin: 3.2% versus 3.2% estimated by four analysts on average.
- Average Balance - Total interest-earning assets: $31.17 billion compared to the $31.68 billion average estimate based on three analysts.
- Total Nonperforming loans: $159.17 million compared to the $179.21 million average estimate based on three analysts.
- Total Nonperforming assets: $176.28 million versus the three-analyst average estimate of $184.36 million.
- Total NonInterest Income: $41.57 million versus the four-analyst average estimate of $34.73 million.
- Net Interest Income: $251.36 million versus $258 million estimated by four analysts on average.
- Service charges on deposit accounts: $5.04 million versus $5.19 million estimated by two analysts on average.
- Leased equipment income: $16.38 million versus $10.53 million estimated by two analysts on average.
- Other commissions and fees: $9.52 million versus the two-analyst average estimate of $9.71 million.
View all Key Company Metrics for Banc of California here>>>
Shares of Banc of California have returned +2.7% over the past month versus the Zacks S&P 500 composite's -0.4% 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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