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Banc of California cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$61.5M in Q3 2026 · $350M over twelve months

Operating cash flow$67.0M
Capital spending−$5.5M
Free cash flow+$61.5M
Cash / net income0.8×

Analysis

In Q3 2026, Banc of California generated $67.0M of operating cash flow and spent $5.5M on capital projects, leaving free cash flow of $61.5M. That is $14.0M less than in Q3 2025 ($75.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $380M; the largest uses were other investing ($1.5B), other financing ($511M), capital spending ($29.4M); besides operations, cash came from net borrowing (+) / repaid (−) ($1.3B), buybacks ($156M); the cash balance fell by $230M.

Operating cash flow was $67.0M against net income of $83.1M — 0.8× profit, less cash than reported earnings, worth checking against working capital. The largest differences: accrued liabilities −$114M, prepaid and other assets +$68.6M, depreciation & amortization +$11.3M.

Free cash flow

Banc of California: free cash flow by quarterBanc of California: free cash flow by quarter$75.7MQ4 2024$13.6MQ1 2025$61.4MQ2 2025$75.5MQ3 2025$84.2MQ4 2025$45.6MQ1 2026$159MQ2 2026$61.5MQ3 2026
Operating cash flow less capital spending.
Banc of California: operating cash flow against capital spendingBanc of California: operating cash flow against capital spendingOperating cash flowCapital spending$79.8M$4.1MQ4 2024$15.1M$1.5MQ1 2025$62.7M$1.3MQ2 2025$75.7M$185KQ3 2025$102M$17.9MQ4 2025$49.0M$3.4MQ1 2026$161M$2.6MQ2 2026$67.0M$5.5MQ3 2026
Latest (Q3 2026): Operating cash flow $67.0M, Capital spending $5.5M.

Capital allocation, year by year

Banc of California: where the cash came from (up) and went (down), by fiscal yearBanc of California: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $503MFY2021: Net borrowing $25.0MFY2021: Shares issued $300KFY2021: Asset sales $95KFY2021: Capital spending −$17.3MFY2021: Acquisitions $476MFY2021: Dividends −$119M$1.0BFY2021FY2022: Operating cash flow $702MFY2022: Net borrowing $1.8BFY2022: Asset sales $11KFY2022: Capital spending −$20.1MFY2022: Acquisitions −$10.3MFY2022: Buybacks −$75.1MFY2022: Dividends −$120M$2.5BFY2022FY2023: Operating cash flow $136MFY2023: Net borrowing $2.5BFY2023: Shares issued $383MFY2023: Asset sales $9.0MFY2023: Capital spending −$15.2MFY2023: Dividends −$48.9M$3.0BFY2023FY2024: Operating cash flow $77.4MFY2024: Net borrowing $1.1BFY2024: Asset sales $190KFY2024: Capital spending −$13.0MFY2024: Dividends −$68.3M$1.2BFY2024FY2025: Operating cash flow $256MFY2025: Net borrowing $850MFY2025: Shares issued $77KFY2025: Capital spending −$20.8M$1.1BFY2025
Over these 5 years operating cash flow totalled $1.7B; the largest uses were dividends ($357M) and capital spending ($86.5M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$2.2B
Debt$2.5B
Net debt$292M

Banc of California funds itself: free cash flow was $350M over the last twelve months, and $2.2B of cash and investments stands against $2.5B of debt.

Where the cash came from and went

Banc of California: sources (+) and uses (−) of cash, Q3 2026Banc of California: sources (+) and uses (−) of cash, Q3 2026Other investing−$769MCash drawn (+) / kept (−)$649MOther financing$129MOperating cash flow$67.0MNet borrowing (+) / repaid (−)−$51.6MDividends−$19.0MCapital spending−$5.5M
Banc of California: sources (+) and uses (−) of cash, TTM to Q3 2026Banc of California: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.5BNet borrowing (+) / repaid (−)$1.3BOther financing−$511MOperating cash flow$380MCash drawn (+) / kept (−)$230MBuybacks$156MCapital spending−$29.4MAsset & business sales$28K

From profit to cash

Banc of California: net income to operating cash flow, Q3 2026Banc of California: net income to operating cash flow, Q3 2026Net income$83.1MDepreciation & amortization$11.3MStock-based pay$6.0MImpairments$6.2MGains on investments−$728KGains on disposals$35KAccrued liabilities−$114MPrepaid and other assets$68.6MOperating cash flow$67.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$67.0M−$5.5M—−$19.0M−$51.6M$649M$61.5M
Q2 2026$161M−$2.6M$109K−$18.9M−$90.9M−$601M$159M
Q1 2026$49.0M−$3.4M−$32.3M−$18.8M$487M$90.7M$45.6M
Q4 2025$102M−$17.9M$188M—$60.2M$90.3M$84.2M
Q3 2025$75.7M−$185K−$35.9M−$16.1M$89.2M−$44.7M$75.5M
Q2 2025$62.7M−$1.3M−$113M−$16.3M$245M−$9.7M$61.4M
Q1 2025$15.1M−$1.5M−$38.9M−$17.3M$279M$158M$13.6M
Q4 2024$79.8M−$4.1M—−$17.9M—$52.0M$75.7M

Banc of California: income statement and cash flow

Banc of California, Q3 2026: revenue $474M (+2% year over year), operating margin 22.8%. The chart follows the revenue to costs, profit and cash.

Banc of California: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.