Banc of California, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Banc of California, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 163% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 94% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 18%
Sales fell 18% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-18% / -16%In 3 years sales changed by -18% while total assets changed by -16%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 71% of Financial Services companies in United States.
Tangible Net Worth Ratio
91%Of every $100 of net worth, $91 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 66% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Banc of California, Inc. made a loss over the last year. Banc of California, Inc. owes $0.90 for every $1 it owns. Net profit rose 80% in the year to Dec 2025, and shrank 19% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossBanc of California, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.82The share price is 0.82 times Banc of California, Inc.'s book value per share, lower than 86% of Financial Services companies in United States.
Market cap
$2.8 BThe total market value of all of Banc of California, Inc.'s shares at today's price (share price × number of shares), larger than 72% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$3.4 BWhat Banc of California, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$21.52Net worth divided by the number of shares. The share price of $17.74 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
-0.7%Banc of California, Inc. lost 0.7% of its shareholders' money over the last year, lower than 86% of Financial Services companies in United States.
Owes vs Owns
0.90×Banc of California, Inc. owes $0.90 for every $1 it owns (high), higher than 82% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.76%Banc of California, Inc. pays 2.76% of its share price as dividends a year, lower than 52% of dividend-paying Financial Services companies in United States.
Revenue growth
+12%Revenue rose 12% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit growth
+80%Net profit rose 80% in the year to Dec 2025, and shrank 19% a year on average over 3 years.
Profit margin
20.8%Banc of California, Inc. keeps $21 of every $100 of revenue as net profit.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Banc of California, Inc.: $2.8 B ÷ $3.4 B (30 Jun 2026) = 0.8.
What is Banc of California, Inc.'s return on equity?
Banc of California, Inc. lost 0.7% of its shareholders' money over the last year, lower than 86% of Financial Services companies in United States.
How much does Banc of California, Inc. owe compared with what it owns?
Banc of California, Inc. owes $0.90 for every $1 it owns (high), higher than 82% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Banc of California, Inc. pay a dividend?
Yes. Banc of California, Inc. pays 2.76% of its share price as dividends a year, lower than 52% of dividend-paying Financial Services companies in United States.
Is Banc of California, Inc.'s revenue growing?
Revenue rose 12% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.