The earnings call highlighted strong growth in core profitability, robust loan production, and improved credit quality metrics. However, these positives were partially offset by the impact of loan sales on earnings and a significant noncash tax expense. The overall sentiment is that the company is on a strong growth trajectory, with challenges being managed effectively.

Company Guidance -

Q3 2025

During Banc of California's Second Quarter 2025 Earnings Call, the company reported a strong performance, achieving a 6% quarter-over-quarter growth in pretax pre-provision income, driven by robust core profitability metrics like loan growth, net interest margin expansion, and disciplined expense management. Total annualized loan growth reached 9%, with commercial loan production contributing significantly. The bank successfully sold $507 million in commercial real estate loans, expected to net 95% in proceeds, which improved credit quality metrics by reducing nonperforming and classified loans by 19 and 46 basis points, respectively. Additionally, tangible book value per share increased for the fifth consecutive quarter to $16.46. The bank's second quarter net income was $18.4 million, or $0.12 per share, with adjusted net income at $48.4 million, or $0.31 per share. Net interest income rose 3.4% to $240 million, and net interest margin grew to 3.10%. The bank maintained a strong balance sheet and capital position, reporting a total loan portfolio growth driven by high-yielding loan categories such as lender finance and single-family residential loans. Despite a competitive deposit environment, the bank's cost of funds remained stable, reflecting effective funding strategies and proactive credit risk management.

Strong Core Profitability Growth

Pretax pre-provision income grew 6% quarter-over-quarter, driven by solid revenue growth that outpaced a slight increase in expenses.

Robust Loan Production

Broad-based commercial loan production led to total annualized loan growth of 9%, with $2.2 billion in second quarter loan production.

Improved Credit Quality Metrics

Nonperforming loans, classified loans, and special mention loans as a percentage of total loans declined by 19, 46, and 115 basis points, respectively, from Q1.

Share Repurchase Program

Repurchased $150 million of common stock, or about 6.8% of shares, with $150 million remaining in the buyback program.

Net Interest Income Increase

Net interest income rose 3.4% from the prior quarter, driven by strong growth in loan balances and higher loan yields.

Banc of California (BANC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BANC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.32 / -	-0.01	―	―	―
Jun 30, 2025	2025 (Q2)	0.26 / 0.12	0.12	0.00% (0.00)	―	―
Apr 23, 2025	2025 (Q1)	0.23 / 0.26	0.17	52.94% (+0.09)
Jan 23, 2025	2024 (Q4)	0.23 / 0.28	-4.55	106.15% (+4.83)
Oct 22, 2024	2024 (Q3)	0.14 / -0.01	0.74	-101.35% (-0.75)
Jul 23, 2024	2024 (Q2)	0.19 / 0.12	0.31	-61.29% (-0.19)
Apr 23, 2024	2024 (Q1)	0.14 / 0.17	0.34	-50.00% (-0.17)
Jan 25, 2024	2023 (Q4)	-0.28 / -4.55	0.36	-1363.89% (-4.91)
Oct 24, 2023	2023 (Q3)	0.29 / 0.74	0.4	85.00% (+0.34)
Jul 25, 2023	2023 (Q2)	0.30 / 0.31	0.43	-27.91% (-0.12)		―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BANC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jun 30, 2025	$14.05	$14.32	+1.92%
Apr 23, 2025	$13.64	$13.37	-1.98%
Jan 23, 2025	$15.83	$15.47	-2.27%
Oct 22, 2024	$14.49	$15.10	+4.21%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Banc of California Inc. (BANC) report earnings?

Banc of California Inc. (BANC) is schdueled to report earning on Oct 28, 2025, Before Open (Confirmed).

What is Banc of California Inc. (BANC) earnings time?

Banc of California Inc. (BANC) earnings time is at Oct 28, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BANC EPS forecast?

BANC EPS forecast for the fiscal quarter 2025 (Q3) is 0.32.

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