Banc of California, Inc.

BANCNYSEFinancial Services● Active

$19.37

+$0.10(+0.49%)

Market Cap$3.0B

P/E Ratio—

52W High$21.61

52W Low$13.24

Avg Volume3.0M

Open$19.27

Beta0.95

Overview

Banc of California, Inc. (BANC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

BANC · free cash flow · updated Jun 8, 2026

Core FCF metrics

BANC · FCF · TTM · margin & CAGR

Free cash flow was $234.8M for FY2025 (fiscal year ending 2025-12-31), up 265.0% year-over-year The FCF margin was 13.0%. Five-year CAGR stands at +27.5%.

FY2025 Free Cash Flow$234.8M▲ +265.0% YoY

Trailing 12M (TTM)$266.8Mtrailing 4 quarters sum

FCF Margin13.0%$234.8M ÷ revenue

3-Year CAGR-26.1%FY2022 → FY2025

5-Year CAGR+27.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

BANC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$255.6M(21M)$234.8M▲ +265.0%13.0%

FY2024$77.4M(13M)$64.3M▼ 46.6%3.4%

FY2023$135.8M(15M)$120.5M▼ 79.3%8.0%

FY2022$702.0M(121M)$581.1M▲ +27.7%36.2%

FY2021$503.0M(48M)$454.9M▲ +552.0%34.1%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

BANC · P/FCF · FCF yield · FCF per share

Banc of California, Inc. (BANC) trades at a FCF yield of 8.95% and a price-to-free-cash-flow ratio of 11.3x. FCF per share stands at $1.72, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

8.95%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.72

TTM FCF ÷ Shares Outstanding

Price / FCF

x11.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x23.4

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

BANC · cash flow statement · operating / investing / financing

For FY2025, Banc of California, Inc. generated $255.6M in operating cash flow and spent 21M in capital expenditures, yielding $234.8M in free cash flow.

Operating Activities

+$255.6M

Cash from core business operations

2025-12-31

Investing Activities

−$1.48B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$1.03B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($255.6M) − |CapEx| (21M) = FCF ($234.8M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

BANC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Banc of California, Inc.YOU

BANC

$234.8M+265.0%13.0%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Banc of California, Inc. (BANC) reported free cash flow of $234.8M for FY2025 (fiscal year ending 2025-12-31), up 265.0% year-over-year. The FCF margin was 13.0%.

Based on available data, Banc of California, Inc. has maintained positive free cash flow for at least 10 fiscal year(s). FCF peaked at $581.1M in FY2022. The 5-year CAGR stands at +27.5%.

Banc of California, Inc.'s FCF yield is 8.95% and price-to-FCF ratio is 11.3x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

BANC free cash flow · 8 questions

Banc of California, Inc. free cash flow was $234.8M for FY2025, up 265.0% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $266.8M.

BANC free cash flowBANC FCFBANC FCF 2025BANC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Banc of California, Inc. · Banc of California, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026