Banc of California (BANC) reported $292.93 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 10.9%. EPS of $0.42 for the same period compares to $0.28 a year ago.
The reported revenue represents a surprise of +0.07% over the Zacks Consensus Estimate of $292.72 million. With the consensus EPS estimate being $0.38, the EPS surprise was +10.53%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Banc of California performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:- Annualized net loan charge-offs (recoveries) to average total loans held-for-investment: 0% versus 0.1% estimated by four analysts on average.
- Efficiency Ratio: 59.4% versus the four-analyst average estimate of 62.6%.
- Net Interest Margin: 3.2% versus 3.2% estimated by four analysts on average.
- Average Balance - Total interest-earning assets: $31.17 billion compared to the $31.68 billion average estimate based on three analysts.
- Total Nonperforming loans: $159.17 million compared to the $179.21 million average estimate based on three analysts.
- Total Nonperforming assets: $176.28 million versus the three-analyst average estimate of $184.36 million.
- Total NonInterest Income: $41.57 million versus the four-analyst average estimate of $34.73 million.
- Net Interest Income: $251.36 million versus $258 million estimated by four analysts on average.
- Service charges on deposit accounts: $5.04 million versus $5.19 million estimated by two analysts on average.
- Leased equipment income: $16.38 million versus $10.53 million estimated by two analysts on average.
- Other commissions and fees: $9.52 million versus the two-analyst average estimate of $9.71 million.
View all Key Company Metrics for Banc of California here>>>
Shares of Banc of California have returned +2.7% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Zacks' Research Chief Picks Stock Most Likely to "At Least Double"
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This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
