Filing Flows › Banc of California (BANC) › Q4 2025
Banc of California (BANC) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
Banc of California (BANC) reported revenue of $459M for the fourth quarter 2025 (Q4 2025), +1% from a year earlier and -2% from the quarter before. Operating margin was 21.8%, net earnings $77.4M (16.9% of revenue).
Banc of California, Q4 2025: revenue $459M (+1% year over year), operating margin 21.8%, net earnings $77.4M, operating cash flow $102M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $459M | -2% | +1% |
| Operating profit | $99.8M | +8% | +42% |
| Net earnings | $77.4M | +11% | +36% |
| Operating cash flow | $102M | +35% | +28% |
| Free cash flow | $84.2M | +12% | +11% |
What changed
Revenue was $458.5M in Q4 2025, up 1% year over year and down 2% from the previous quarter.
Operating profit was $99.8M, a 21.8% margin (up 6.3 points year over year). Of the extra revenue versus a year earlier, 592% reached operating profit, above the 15% margin then. Total costs fell 6% while revenue rose 1%. Net earnings were $77.4M, up 36% year over year. The effective tax rate was 22.4%.
Operating cash flow was $102.1M (up 28% year over year), 132% of net earnings. Non-cash charges added back $11.7M of depreciation and amortization. Working capital and other items added $12.9M. Capital expenditures of $17.9M left free cash flow of $84.2M.
Questions
What was Banc of California's revenue in the fourth quarter 2025?
Banc of California (BANC) reported revenue of $459M for the fourth quarter 2025 (Q4 2025), +1% from a year earlier and -2% from the quarter before.
Was Banc of California profitable in the fourth quarter 2025?
Operating profit was $99.8M (21.8% of revenue) and net earnings $77.4M.
Source: Banc of California 10-K on SEC EDGAR.