TORVANTA
Other · S&P 500 · data as of 2026-10-05

BANC stock analysis: BANC

BANC (BANC) is an S&P 500 company in Other. It grades weakest on growth.

The model's view of BANC · subscribers

Where BANC ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with BANC · updated 2026-10-05 · from prices and SEC filings

BANC price performance

BANC against the S&P 500, one year
+0%+20%S&P 500 +18%BANC +8%2025-09-292026-10-05
Year to date-7.2%S&P 500 +14.5% · behind by 21.7 pts
1 year+5.2%S&P 500 +17.0% · behind by 11.8 pts
3 years+57.6%S&P 500 +89.3% · behind by 31.6 pts
5 years+1.4%S&P 500 +91.3% · behind by 89.9 pts

Total returns with dividends reinvested.

BANC factor grades

Each grade compares BANC with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

–ValueFCF yield 13.1% (industry 6.0%)
C-GrowthRevenue growth -13% (industry +8%)EPS growth -165% (industry +10%)
CProfitability
CMomentum12-month change +5%From 52-wk high -19%

BANC in plain numbers

BANC key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$2.8B
Revenue growth (y/y)-13%
Free-cash-flow yield13.1%
Dividend yield2.6%
Next earnings (expected)2026-10-21
Valuation measures
Market value$2.8B
Enterprise value$2.4B
Price / sales1.8x
Price / book0.8x
EV / revenue1.6x
Financial highlights
Revenue, last 12 months$1.5B
Net income, last 12 months-$22.4M
EPS, last 12 months (GAAP)$-0.42
Net margin-1.4%
Return on equity-0.7%
Cash$2.8B
Total debt$2.5B
Debt / equity0.72x
Free cash flow, last 12 months$364.1M

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

BANC earnings trends

Revenue vs earnings
-$241.3M-$64.3M$112.7M$289.8M$466.8MSep 2024 Revenue: $431.4MDec 2024 Revenue: $453.5MMar 2025 Revenue: $440.3MJun 2025 Revenue: $453.1MSep 2025 Revenue: $466.8MDec 2025 Revenue: $458.5MMar 2026 Revenue: $442.8MJun 2026 Revenue: $180.5MSep 2024 Net income: $8.8MDec 2024 Net income: $56.9MMar 2025 Net income: $53.6MJun 2025 Net income: $28.4MSep 2025 Net income: $69.6MDec 2025 Net income: $77.4MMar 2026 Net income: $72.0MJun 2026 Net income: -$241.3MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Net margin: 2.0%Net margin: 12.6%Net margin: 12.2%Net margin: 6.3%Net margin: 14.9%Net margin: 16.9%Net margin: 16.3%Net margin: -133.7%-134%-58%17%■ Revenue ■ Net income ━ Net margin
Earnings per share$-1.6$-1.1$-0.6$-0.1$0.4Sep 2024 EPS (GAAP, diluted): $-0.0Dec 2024 EPS (GAAP, diluted): $0.3Mar 2025 EPS (GAAP, diluted): $0.3Jun 2025 EPS (GAAP, diluted): $0.1Sep 2025 EPS (GAAP, diluted): $0.4Dec 2025 EPS (GAAP, diluted): $0.4Mar 2026 EPS (GAAP, diluted): $0.4Jun 2026 EPS (GAAP, diluted): $-1.6Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Dec 2025 +50% · Mar 2026 +50% · Jun 2026 -1442%

From the company's 10-Q and 10-K filings with the SEC.

BANC financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Revenue$6.0M$9.1M$1.5B$1.9B$1.8B
Net income$62.3M$120.9M-$402.2M$126.9M$229.0M
EPS (GAAP)n/an/a$-11.60$0.51$1.18
Free cash flow$102.9M$132.0M$120.5M$64.3M$234.8M

BANC earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-07-29$-1.61-1442%-60%-11.2%
2026-04-22$0.39+50%+1%+1.3%
2026-01-21$0.42+50%+1%+0.8%
2025-10-22$0.38n/a+8%-1.5%
2025-07-23$0.120%-8%-4.1%
2025-04-23$0.26+117%-14%-2.9%

About BANC

HeadquartersSanta Ana, CA
Industry (SEC code)National Commercial Banks
Fiscal year endsDecember 31
Incorporated inMD
Listed onNYSE, NYSE
FormerlyFIRST PACTRUST BANCORP INC

From the company's SEC registration record.

Companies similar to BANC

CompanyMarket valueP/ERevenue growthOperating margin12-month change
BANC BANC$2.8Bn/a-13%n/a+5%
KWR KWR$2.8B28.7x+8%7.7%+22%compare
WDFC WDFC$2.8B31.3x+10%17.5%+8%compare
CWK CWK$2.8B39.5x+11%4.4%-25%compare
TDC TDC$2.8B6.3x+1%7.5%+35%
KBH KBH$2.8B11.0x-18%n/a-30%
ALRM ALRM$2.8B24.9x+9%12.8%+8%

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Frequently asked questions

Is BANC stock a buy?

Torvanta does not tell individuals what to buy. Its grades for BANC are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

When does BANC report earnings next?

Based on its filing history, Torvanta expects BANC to report around 2026-10-21.

Does BANC pay a dividend?

Yes. Its dividend yield is about 2.6%.

How has BANC performed against the S&P 500?

Over the past year BANC returned +5.2%, against +17.0% for the S&P 500, dividends reinvested.

See the model's view

Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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