Compared to Estimates, Banc of California (BANC) Q4 Earnings: A Look at Key Metrics

Core Insights - Banc of California reported revenue of $292.93 million for Q4 2025, a year-over-year increase of 10.9% and a surprise of +0.07% over the Zacks Consensus Estimate [1] - The EPS for the same period was $0.42, compared to $0.28 a year ago, representing a surprise of +10.53% over the consensus estimate of $0.38 [1] Financial Performance Metrics - Annualized net loan charge-offs to average total loans held-for-investment were 0%, better than the estimated 0.1% [4] - Efficiency Ratio was reported at 59.4%, compared to the average estimate of 62.6% [4] - Net Interest Margin was 3.2%, matching the average estimate [4] - Average Balance of total interest-earning assets was $31.17 billion, below the estimated $31.68 billion [4] - Total Nonperforming loans were $159.17 million, compared to the estimated $179.21 million [4] - Total Nonperforming assets were $176.28 million, better than the estimated $184.36 million [4] - Total NonInterest Income was $41.57 million, exceeding the average estimate of $34.73 million [4] - Net Interest Income was $251.36 million, slightly below the estimated $258 million [4] - Service charges on deposit accounts were $5.04 million, compared to the estimated $5.19 million [4] - Leased equipment income was $16.38 million, significantly higher than the estimated $10.53 million [4] - Other commissions and fees were $9.52 million, slightly below the estimated $9.71 million [4] Stock Performance - Shares of Banc of California returned +2.7% over the past month, outperforming the Zacks S&P 500 composite, which changed by -0.4% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]