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Banc of California (BANC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Banc of California (BANC) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $474M · 18¢ of every $1 of revenue kept as net profit · operating margin 22.8%
Banc of California made $474M in Q3 2026 (+2% Y/Y). Operating margin 22.8%, net earnings $83.1M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $474.1M in Q3 2026, up 2% year over year and up 163% from the previous quarter.
Operating profit was $108.0M, a 22.8% margin (up 3.0 points year over year). Of the extra revenue versus Q3 2025, 216% reached operating profit, above the 20% margin then. Total costs fell 2% while revenue rose 2%. Net earnings were $83.1M, up 19% year over year. The effective tax rate was 23.1%.
Operating cash flow was $67.0M (down 11% year over year), 81% of net earnings. Non-cash charges added back $11.3M of depreciation and amortization and $6.0M of share-based compensation. Working capital and other items used $33.3M. Capital expenditures of $5.5M left free cash flow of $61.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $474M | +2% | 22.8% | $83.1M | $67.0M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $180M | -60% | -185.7% | −$241M | $161M |
| Q1 2026 | 10-Q | May 8, 2026 | $443M | +0.6% | 21.6% | $72.0M | $49.0M |
| Q4 2025 | 10-K | Feb 27, 2026 | $459M | +1% | 21.8% | $77.4M | $102M |
| Q3 2025 | 10-Q | Nov 10, 2025 | $467M | +8% | 19.8% | $69.6M | $75.7M |
| Q2 2025 | 10-Q | Aug 8, 2025 | $453M | -8% | 10.6% | $28.4M | $62.7M |
| Q1 2025 | 10-Q | May 9, 2025 | $440M | -14% | 16.6% | $53.6M | $15.1M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Banc of California
Banc of California, Inc., a Maryland corporation, was incorporated in March 2002 and serves as the holding company for its wholly owned subsidiary, Banc of California (the “Bank”), a California state-chartered bank and a member of the FRB. When we refer to the “parent” or the “holding company,” we are referring to Banc of California, Inc., the parent company, on a stand-alone basis. When we refer to “we,” “us,” “our,” or the “Company,” we are referring to Banc of California, Inc. and its consolidated subsidiaries including the Bank, collectively. As a bank holding company, the holding company is subject to ongoing and comprehensive supervision, regulation, examination, and enforcement by the FRB. As a California state-chartered bank that is a member of the FRB, the Bank is subject to ongoing and comprehensive supervision, regulation, examination, and enforcement by the DFPI and the FRB.
In its own words, from its 10-K, filed Feb 27, 2026.
Banc of California against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +6%. Operating margin: 22.8% against the peers' median 30.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BANC Banc of California | Q3 2026 | $474M | +2% | 22.8% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: Banc of California 10-Q on SEC EDGAR · CIK 1169770 · National Commercial Banks
Guidance and outlook
13F: who owns BANC and who is buying
More on BANC
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results