BANC FINANCIAL STATEMENTS

Banc of California, Inc. — balance sheet, income statement and cash flow trends

BANCBanc of California, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.8 B $+0.7%

Gross Profit1.1 B $+14.5%

Operating Income348.3 M $+74.7%

EBITDA416.7 M $+31.7%

Net Income247.4 M $+65.3%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
BANC	—	—	—	13.6%
EQB	—	—	—	6.6%
BOQ	—	—	—	2.0%
BFL	—	—	—	30.2%
BEN	—	—	—	—
KLNMA	—	—	—	58.1%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity3.6 B $10%
Current Liabilities940 M $3%
Long-term Liabilities30.2 B $87%

Key Figures

YoY change

Total Assets34.7 B $+2.8%

Total Liabilities31.2 B $+3.0%

Total Equity3.6 B $+0.9%

Cash & ST Investments253.9 M $-89.2%

Total Debt3.5 B $+34.0%

Net Debt3.3 B $+1,096.2%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BANC	0.41	98.6%	7.80	10.2%
EQB	0.09	496.5%	40.36	6.2%
BOQ	0.05	258.4%	49.89	6.0%
BFL	33.68	9.1%	-3.30	12.0%
BEN	0.03	142.6%	—	6.6%
KLNMA	—	0.0%	-0.00	17.7%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
BANC	0.41	98.6%	7.80	10.2%
PRK	1.43	9.9%	0.07	13.1%
BOH	5.43	4.9%	-1.07	7.8%
TOWN	3.08	17.4%	1.70	13.2%
SFNC	413.00	22.4%	6.39	13.9%
CVBF	0.28	42.8%	2.90	15.0%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow289.5 M $+60.0%

Capital Expenditures22.7 M $+23.9%

Free Cash Flow266.8 M $+55.7%

Dividends Paid-105.2 M $-196.8%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BANC	15.9%	14.7%	1.2%	117.0%
EQB	-2.9%	-7.6%	3.1%	-44.2%
BOQ	13.1%	13.0%	0.2%	668.4%
BFL	116.9%	27.7%	2.8%	386.6%
BEN	—	—	—	—
KLNMA	58.1%	57.8%	0.3%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
BANC	15.9%	14.7%	1.2%	117.0%
PRK	27.5%	26.2%	1.4%	106.5%
BOH	22.5%	20.5%	5.2%	109.4%
TOWN	16.7%	11.8%	4.8%	112.9%
SFNC	80.2%	74.1%	6.0%	-126.2%
CVBF	37.5%	36.8%	0.7%	115.6%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
BANC	—	—	—	13.6%
PRK	—	—	—	25.8%
BOH	—	—	—	20.5%
TOWN	—	—	—	14.8%
SFNC	—	—	—	-63.5%
CVBF	—	—	—	32.4%
Industry median	—	67.2%	20.4%	20.6%