The earnings call highlighted strong financial performance and strategic loan growth, contrasted by increased noninterest expenses and a significant provision related to loan sales. The outlook remains optimistic with continued profitability and growth expected.

Company Guidance -

Q3 2025

During Banc of California's second quarter 2025 earnings call, the company reported a strong performance with notable growth in core profitability. Pretax pre-provision income increased by 6% quarter-over-quarter, driven by solid revenue growth that surpassed a slight rise in expenses. The bank achieved an annualized loan growth of 9%, partly due to robust commercial loan production and strategic sales of approximately $507 million in commercial real estate loans, which were anticipated to yield proceeds of 95% net of reserve release. This strategic move improved credit quality metrics, with declines in nonperforming loans, classified loans, and special mention loans by 19, 46, and 115 basis points, respectively, from the previous quarter. The bank's net interest income rose by 3.4% to $240 million, while net interest margin expanded to 3.10%. The second quarter also marked the fifth consecutive quarter of tangible book value per share growth, reaching $16.46. The bank repurchased $150 million of common stock, representing about 6.8% of its shares, and maintained a strong balance sheet with capital and liquidity levels. Looking forward, the bank plans for mid-single-digit growth in average earning assets in the latter half of 2025 and anticipates continued expansion in net interest income and margin.

Strong Second Quarter Performance

Pretax pre-provision income grew 6% quarter-over-quarter. Core earnings drivers such as loan growth, net interest margin expansion, and disciplined expense management remain on track.

Commercial Loan Growth

Achieved a 9% annualized loan growth, with strong production levels driven by broad-based commercial loan production.

Tangible Book Value Growth

Fifth consecutive quarter of increased tangible book value per share, reaching $16.46.

Successful Loan Sales

Engaged in sales of $507 million in commercial real estate loans, contributing to improved credit quality metrics.

Robust Loan Origination

Second quarter loan production, including unfunded commitments, was $2.2 billion, driven by high originations in lender finance and single-family residential portfolios.

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)	0.31 / -	-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 0.31.

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