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The latest update is out from Banc of California ( (BANC) ).
On January 21, 2026, Banc of California reported that for the fourth quarter of 2025 it generated net earnings available to common and equivalent stockholders of $67.4 million, or $0.42 per diluted share, up from $0.38 in the third quarter, while full-year 2025 diluted earnings per share rose to $1.17 from $0.52 in 2024, or $1.35 on an adjusted basis. The bank posted 15% annualized loan growth for the quarter and 6% year-over-year, with $2.7 billion in fourth-quarter loan production and $9.6 billion for the year, alongside 11% annualized growth in noninterest-bearing deposits, an expanded net interest margin of 3.20% for the quarter and 3.15% for the year, and a 10% sequential increase in pre-tax pre-provision income to $112.3 million as noninterest expenses declined and the efficiency ratio improved. Credit quality showed notable improvement, with year-over-year reductions in nonperforming, criticized and special mention loans as a share of total loans, while capital ratios remained well above “well capitalized” regulatory thresholds and book value and tangible book value per share rose to $19.56 and $17.51, respectively. Management framed 2025 as a year of strong execution marked by scaling the franchise, strengthening the balance sheet, and enhancing core profitability, with CEO Jared Wolff highlighting disciplined expense control, double-digit returns on average tangible common equity, and late-quarter loan growth that is expected to support continued earnings momentum into 2026.
The most recent analyst rating on (BANC) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on Banc of California stock, see the BANC Stock Forecast page.
Spark’s Take on BANC Stock
According to Spark, TipRanks’ AI Analyst, BANC is a Outperform.
Banc of California’s overall stock score is driven by strong technical indicators and positive earnings call sentiment, highlighting growth in earnings per share and strategic share repurchases. Financial performance is moderate, with stable profitability but past inconsistencies. Valuation is fair, supporting the stock’s potential for continued growth.
To see Spark’s full report on BANC stock, click here.
More about Banc of California
Banc of California, Inc. (NYSE: BANC) is a California-based commercial bank holding company whose wholly owned subsidiary, Banc of California, focuses on lending and deposit services, including noninterest-bearing deposits, to businesses and consumers. The bank emphasizes loan growth, particularly in higher-yielding assets, and maintains a funding mix geared toward improving net interest margin and capital efficiency, positioning itself as a growth-oriented regional franchise with a focus on profitability and credit quality in its core markets.
Average Trading Volume: 2,270,480
Technical Sentiment Signal: Buy
Current Market Cap: $3.23B
Learn more about BANC stock on TipRanks’ Stock Analysis page.