OakChart

Banc of California Inc

BANCFinancial·Banks - Regional·USA·Mid·NYSE·Nov 11 • 10:01 AM ET

17.96-0.04 (-0.22%)
2026-11-11 16:02 CET
Market cap
2,852.19 USD m
Revenue, TTM
- USD m
Net income, TTM
-48.80 USD m
Free cash flow, TTM
324.77 USD m
EPS diluted, TTM
-0.35
P/E
-
Compare

Price

BANC against its 20, 50 and 200-day averages
2050200beatmiss
18.0020.0022.005.0M9.9MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26BANCclose 17.9620-day 17.9450-day 17.94200-day 18.8517.96

18.1% under 21.93 on 21 Jul 2026. Last 15 sessions, 12.1% high to low

Profile

BANC
52-week range, 32% of the way up
16.1221.93

Banc of California, Inc. is a holding company engaged in the provision of commercial banking services. It offers personal banking, business and commercial banking, real estate banking, and private banking. The company was founded in 1941 and is headquartered in Los Angeles, CA.

IndexRUT
Employees1904
IPOAug 23, 2002
Beta0.74
ATR, 14d0.49
Rel volume0.14
Short float6.11%
Insider own1.58%
Inst own102.02%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap2.85B
Enterprise Value-
Income-48.80M
Sales1.56B
Book/sh17.99
Cash/sh-
Dividend Est.0.45 (2.51%)
Dividend TTM0.46 (2.56%)
Dividend Ex-DateDec 15, 2026
Dividend Gr. 3/5Y18.56% 10.76%
Payout34.19%
Employees1904
IPOAug 23, 2002

Ratios

P/E-
Forward P/E8.65
PEG0.31
P/S1.83
P/B1.00
P/C-
P/FCF8.76
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.09
Debt/Eq0.89
LT Debt/Eq0.23
Option/ShortYes / Yes

Earnings

EPS (ttm)-0.35
EPS next Y2.08
EPS next Q0.48
EPS this Y-123.18%
EPS next Y865.96%
EPS next 5Y27.56%
EPS past 3/5Y-38.93% -
Sales past 3/5Y3.69% 42.45%
EPS Y/Y TTM-130.73%
Sales Y/Y TTM-14.20%
EPS Q/Q21.56%
Sales Q/Q1.56%
EarningsOct 27 AMC
EPS/Sales Surpr.2.18% -0.81%

Ownership

Insider Own1.58%
Insider Trans-1.03%
Inst Own102.02%
Inst Trans2.56%
ROA-0.03%
ROE-0.26%
ROIC-0.22%
Gross Margin-
Oper. Margin-2.04%
Profit Margin-3.14%
SMA200.11%
SMA500.12%
SMA200-4.71%
Trades-

Technical

Shs Outstand157.98M
Shs Float155.95M
Short Float6.11%
Short Ratio4.12
Short Interest9.53M
52W High21.93 -18.10%
52W Low16.12 11.41%
Volatility3.62% 2.68%
ATR (14)0.49
RSI (14)49.48
Beta0.74
Rel Volume0.14
Avg Volume2.32M
Volume41,219

Performance

Perf Week-3.23%
Perf Month4.72%
Perf Quarter-8.51%
Perf Half Y-2.44%
Perf YTD-6.89%
Perf Year2.57%
Perf 3Y58.80%
Perf 5Y-17.50%
Perf 10Y29.21%
Recom1.58
Target Price21.75
Prev Close18.00
Price17.96
Change %-0.22%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Sep 14, 2026InitiatedUUBSNeutral$20+11.4%
Aug 10, 2026ResumedWWells FargoOverweight$23+28.1%
Jul 30, 2026DowngradeBBrean CapitalBuy → Neutral
Oct 07, 2025UpgradeRRaymond JamesOutperform → Strong Buy$20+11.4%
Oct 01, 2025UpgradeJJP MorganNeutral → Overweight$20+11.4%
May 21, 2025InitiatedJJefferiesBuy$18+0.2%
Feb 07, 2025InitiatedJJP MorganNeutral$18+0.2%
Jan 06, 2025UpgradeWWells FargoEqual Weight → Overweight$17 → $20+11.4%
Oct 31, 2024UpgradeBBarclaysEqual Weight → Overweight$17 → $18+0.2%
Oct 10, 2024InitiatedCCitigroupNeutral$15-16.5%

Peers

Mkt cap
TickerCompanyMkt cap
CVBFCVB Financial Corp3.98B
MCHBMechanics Bancorp3.38B
CATYCathay General Bancorp4.29B
WALWestern Alliance Bancorp8.19B
HOPEHope Bancorp Inc1.69B
AXAxos Financial Inc5.25B
COLBColumbia Banking System Inc8.48B
EWBCEast West Bancorp Inc17.89B
ZIONZions Bancorporation N.A9.64B
PFBCPreferred Bank (Los Angeles, CA)1.22B

Insider trading

latest 14 of 21
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
WOLFF JARED MCHAIRMAN AND CEOOct 30 '26Buy18.185,48799,754333,456Nov 02 04:22 PM
Dotan IdoGENERAL COUNSEL, CORP SECRTYSep 10 '26Sale18.3010,541192,84845,702Sep 11 04:40 PM
Dotan IdoOfficerSep 10 '26Proposed Sale18.2910,741196,440Sep 10 04:41 PM
Lindsay Olivia ICHIEF RISK OFFICERAug 04 '26Sale19.506,000117,03032,842Aug 04 08:05 PM
Lindsay Olivia IOFFICER - CHIEF RISK OFFICERAug 04 '26Proposed Sale19.506,000117,030Aug 04 08:04 PM
PL Capital Advisors, LLCFormer DirectorJun 11 '26Proposed Sale19.701,750,00034,475,000Jun 11 09:32 PM
Warburg Pincus LLCAffiliateMay 29 '26Proposed Sale19.241021,962May 29 05:18 PM
CORSINI BRYAN MCHIEF CREDIT OFFICERMay 26 '26Sale19.0614,988285,73159,045May 27 05:59 PM
Warburg Pincus LLCAffiliateMay 26 '26Proposed Sale19.153,917,43675,018,899May 26 07:54 PM
Bryan CorsiniOfficerMay 26 '26Proposed Sale19.0614,988285,735May 26 04:03 PM
Warburg Pincus LLCAffiliateMay 07 '26Proposed Sale19.172,640,24450,613,478May 07 08:12 PM
CORSINI BRYAN MCHIEF CREDIT OFFICERApr 29 '26Sale18.5210,399192,58983,710Apr 29 04:50 PM
CORSINI BRYAN MCHIEF CREDIT OFFICERApr 29 '26Sale18.5210,399192,58983,710Apr 29 04:50 PM
Bryan CorsiniOfficerApr 29 '26Proposed Sale18.5210,399192,589Apr 29 04:01 PM

Held by

AUM
TickerCompanyAUM
IJRiShares Core S&P Small-Cap ETFAUM: 106.27B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VXFVanguard Extended Market Index ETFAUM: 30.47B
SPSMState Street SPDR Portfolio S&P 600TM Small Cap ETFAUM: 16.06B
IJSiShares S&P Small-Cap 600 Value ETFAUM: 7.74B
IWNiShares Russell 2000 Value ETFAUM: 14.10B

News

latest 14 of 206
  • Banc of California, Inc. Announces Quarterly Dividends (Business Wire)
  • Banc of California: Q3 Earnings Snapshot (Associated Press)
  • Banc Of California's Repositioning Pays Off With Clean Q3 Beat And Higher Margin Guidance, But Slowing Loan Growth And Falling Book Value Keep The Stock On The Defensive (Earnings Whispers)
  • Banc of California, Inc. Reports Third Quarter Diluted Earnings per Share of $0.46, Up 21% Year Over Year (Business Wire)
  • Banc of California Launches Private Banking (Business Wire)
  • Loading…
  • Banc of California Announces Schedule of Third Quarter 2026 Earnings Release and Conference Call (Business Wire)
  • Rithm Capital Appoints Ann DeVries as Head of Investor Relations (Business Wire)
  • Banc of California, Inc. to Participate in the Barclays 24th Annual Global Financial Services Conference (Business Wire)
  • Banc of California, Inc. Announces Quarterly Dividends (Business Wire)
  • Banc of California takes big 2Q loss due to restructuring (American Banker) -12.23%
  • Banc of California sees surprise $251.3M loss (Banking Dive)
  • Banc of California: Q2 Earnings Snapshot (Associated Press)
  • Banc of California, Inc. Reports Second Quarter 2026 Financial Results and Announces Strategic Balance Sheet Repositioning to Enhance Long-Term Earnings (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-270.4600.4500.460303.8306.2712
2026Q22026-07-29-1.6100.397-1.613285.7295.3210
2026Q12026-04-220.3900.3790.386286.95290.7411
2025Q42026-01-210.4200.3690.421292.93289.4311
2025Q32025-10-220.3800.3250.375287.73283.4511
2025Q22025-07-230.1200.2620.116272.85277.0811
2025Q12025-04-230.2600.2330.257266.01271.9410
2024Q42025-01-230.2800.2330.279264.27273.8710
2024Q32024-10-22-0.0100.142-0.007261.28262.727
2024Q22024-07-230.1200.1860.121259.28269.410
2024Q12024-04-230.1700.1410.124272.96288.539
2023Q42024-01-25-4.550-0.278-4.552185.48172.525
2023Q32023-10-240.7400.2920.74073.8376.846
2023Q22023-07-250.3100.3000.30875.6677.086
2023Q12023-04-200.3400.3760.34380.9183.337
2022Q42023-01-190.3600.4370.36086.5086.517

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY0.7100.8370.440348.86351.03
2018FY0.4500.5400.421309.99310.95
2019FY0.0500.0080.052260.28273.32
2020FY-0.020-0.210-0.022242.33236.08
2021FY0.9501.0590.949272.5274.91
2022FY1.8901.9645.135339.41338.43
2023FY-22.710-13.102-22.706890.14680.72
2024FY0.5200.4660.5171,0031,040
2025FY1.1701.1161.1701,1201,116
2026FY--0.271--1,193
2027FY-2.077--1,300
2028FY-2.429--1,370

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-301024313.26311.76317
2026Q4S2026-10-291033314312317.2
2026Q4S2026-10-281033313.15306.28317.2
2026Q4S2026-10-271040314.67306.28326.27
2026Q4S2026-10-121040314.67306.28326.27
2026Q4S2026-10-071050314.67306.28326.27
2026Q4S2026-10-021050314.7306.28326.27
2026Q4S2026-09-301050314.46306.28326.27
2026Q4S2026-09-231041313.03306.28319
2026Q4S2026-09-211032312.27306.28319
2026Q4S2026-09-111023311.97302.81319
2026Q4S2026-09-07923312.13302.81319
2026Q4S2026-09-05923312.09302.81319
2026Q4S2026-09-03924312.09302.81319

Estimate history

EPS, annual0.440.4210.052-0.0220.9495.135-22.7060.5171.17-0.35
Period201720182019202020212022202320242025TTM
EPS, quarterly-0.0070.2790.2570.1160.3750.4210.386-1.6130.456
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual433.812449.95404.248310.788310.4981635.3641524.7961894.6031823.2571555.88
Period201720182019202020212022202320242025TTM
Sales, quarterly431.441453.165440.305453.142466.826458.519442.77180.5474.092
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual50.59150.64950.89150.24562.66677.393168.098168.614155.458158.455
Period201720182019202020212022202320242025MRQ
Shares, quarterly168.596168.614166.215157.563155.444155.458154.199158.428158.455
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income1,681.721,676.651,812.701,971.001,556.49291.66290.61391.11422.80
Total Interest Expense655.80699.27886.651,223.87265.7337.8866.01142.95136.72
Net Interest Income1,025.92977.39926.05747.131,290.76253.78224.59248.16286.08
Loan Loss Provision194.4870.6042.8052.0024.506.8529.7236.3930.21
Net Interest Income After Loan Loss Provision831.44906.79883.25695.131,266.26246.92194.88211.78255.86
Non-Interest Income-125.84146.6081.90-446.2078.8818.8420.1813.1427.15
Non-Interest Expense737.27740.32810.68940.89742.87167.48200.55188.75221.30
Operating Income-31.67313.07154.47-691.97602.2798.2914.5136.1761.72
Unusual Expense0.000.00-14.181,519.3734.7015.870.516.499.68
Net Income Before Taxes-31.67313.07168.65-2,211.34567.5782.6214.3627.9846.99
Income Taxes-22.7284.1041.77-312.20143.9620.281.794.224.84
Consolidated Net Income-9.01228.84126.89-1,899.14416.1462.2312.2023.2841.34
Net Income From Continuing Operations-9.01228.84126.89-1,899.14416.1462.2312.2023.2841.34
Net Income-48.80189.0687.10-1,938.92396.8050.56-1.102.6221.41
EPS (Recurring)-0.301.170.46-10.255.451.16-0.010.140.55
EPS (Basic, Before Extraordinaries)-0.321.180.52-22.715.140.95-0.020.050.42
EPS (Diluted)-0.351.170.52-22.715.140.95-0.020.050.42
Non-Operating Income (Expense)0.000.000.000.000.000.200.36-1.69-5.04
Other After Tax Adjustments-0.06-0.130.000.00-7.47-0.11-0.38-0.48-0.81
Stock Option Compensation Expense25.9928.9018.1031.3040.503.774.083.564.64
Price To Earnings Ratio---7.6710.0319.95-375.9332.40
Price To Sales Ratio1.781.711.380.750.753.372.382.161.50
Operating Margin-2.0417.178.15-45.3836.8331.654.678.9513.72
Net Margin-3.1410.374.60-127.1624.2616.28-0.350.654.76
Shares Outstanding158.45155.46168.61168.1077.3962.6750.2450.8950.65
Market Capitalization2,852.192,852.192,606.532,121.63958.331,229.34739.03874.19674.18

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income442.74414.60407.44416.95432.54420.51406.65424.52
Total Interest Expense170.29164.09155.82165.59179.10180.29174.29189.23
Net Interest Income272.44250.50251.62251.36253.44240.22232.36235.28
Loan Loss Provision10.40161.789.8012.509.7039.109.3012.80
Net Interest Income After Loan Loss Provision262.0488.72241.82238.86243.74201.12223.06222.48
Non-Interest Income31.36-234.1035.3341.5734.2832.6333.6528.65
Non-Interest Expense185.37189.87181.39180.64185.68185.87183.65196.60
Operating Income108.03-335.2495.7599.7992.3447.8873.0654.53
Unusual Expense0.000.000.000.000.000.000.00-1.02
Net Income Before Taxes108.03-335.2495.7599.7992.3447.8873.0670.10
Income Taxes24.97-93.8923.8022.4022.7219.5019.4913.18
Consolidated Net Income83.06-241.3471.9277.3569.6028.3853.5256.92
Net Income From Continuing Operations83.06-241.3471.9277.3569.6028.3853.5256.92
Net Income73.11-251.2961.9867.4059.6518.4343.5746.97
EPS (Recurring)0.46-1.610.390.420.380.120.260.27
EPS (Basic, Before Extraordinaries)0.46-1.610.400.430.380.120.260.28
EPS (Diluted)0.46-1.610.390.420.380.120.260.28
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.000.01-0.03-0.04-0.03-0.01-0.050.00
Stock Option Compensation Expense3.573.314.4514.654.830.744.347.03
Price To Earnings Ratio-15.7315.0218.7725.6321.6027.44-
Price To Sales Ratio1.782.061.551.701.451.251.321.39
Operating Margin22.79-185.7321.6321.7619.7810.5716.5912.03
Net Margin15.42-139.2214.0014.7012.784.079.9010.37
Shares Outstanding158.45158.43154.20155.46155.44157.56166.22168.61
Market Capitalization2,852.193,150.352,803.892,998.512,607.772,211.582,392.762,606.53

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks220.90251.31259.03212.2741.7338.3328.8921.8820.12
Investments7,751.397,560.2210,560.369,709.911,592.681,510.681,379.312,459.963,108.78
Net Loans24,787.0723,542.3025,208.0028,408.407,158.905,817.385,894.247,638.686,610.07
Investment in Unconsolidated Affiliates0.000.000.000.0025.8927.9829.3028.9948.83
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets17.119.737.395.02---0.671.80
Net Property, Plant & Equipment484.13549.83624.25584.82148.31141.15150.56129.39135.70
Interest Receivables131.43125.47138.52157.1130.9929.4524.5238.8135.35
Deferred Tax Assets839.69921.88958.44471.6984.3575.7373.7371.1156.29
Other Intangible Assets748.65783.42997.401,869.56344.47266.42276.69262.29336.13
Total Assets34,980.3833,744.1638,753.3941,418.789,427.327,907.117,857.2310,651.7810,353.07
Total Deposits27,843.3627,191.9130,401.7733,936.337,439.446,085.805,427.177,916.647,292.90
Total Debt3,137.152,458.094,009.232,779.52816.12816.761,392.111,693.171,867.94
Long Term Debt2,506.282,426.223,969.432,667.52711.75676.20746.39853.17588.75
Provision for Risks Charges34.9229.0729.5791.074.358.3510.307.1110.02
Deferred Tax Liabilities182.93201.30219.33189.8433.5829.7828.8221.7125.22
Other Liabilities240.74363.84702.73471.4868.5569.2291.5867.61144.68
Total Liabilities31,439.1030,244.2135,362.6337,468.258,362.037,009.906,949.999,706.249,340.76
Preferred Stock - Carrying Value498.52498.52498.52498.5294.96184.88189.82231.13269.07
Common Equity3,042.763,001.432,892.253,452.01970.33712.33717.42714.41743.24
Total Shareholders Equity3,541.283,499.953,390.763,950.531,065.29897.21907.25945.531,012.31
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity3,541.283,499.953,390.763,950.531,065.29897.21907.25945.531,012.31
Total Liabilities & Stockholders Equity34,980.3833,744.1638,753.3941,418.789,427.327,907.117,857.2310,651.7810,353.07
Book Value Per Share19.5717.8017.2144.6015.4814.1814.1014.1014.69
Tangible Book Value Per Share17.5215.7415.0426.4113.8813.3913.2913.2513.77
Tier 1 Capital3,331.163,369.463,402.043,503.20955.75840.50860.18910.53949.15
Tier 2 Capital1,072.811,058.401,088.45992.55184.73155.9761.7166.8153.05
Full-Time Employees1,9041,9032,304685673611660741738
Price to Book Ratio1.000.870.771.011.271.041.220.941.40
Return on Assets0.670.35-7.921.640.720.150.250.390.49
Return on Equity6.503.68-87.3116.596.341.352.514.225.25
Return on Invested Capital3.782.14-25.806.293.500.781.412.402.67
Current Ratio0.110.110.200.090.050.050.080.060.06

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations525.25359.47285.35296.88707.41102.4766.3294.6991.10
Extraordinary Item0.000.000.000.000.000.000.000.00-1.44
Changes in Working Capital-145.72-103.88-207.76-169.57-5.435.10-10.79-19.1419.60
Cash from Operating Activities379.52255.5977.59127.31701.97107.5655.5475.55109.25
Capital Expenditures-54.750.00-5.180.00-120.86-2.81-5.09-10.98-9.00
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses15.6421.730.19354.830.01479.480.000.004.19
Purchase or Sale of Investments-564.63-92.48119.053,302.572,311.66-90.69-318.421,078.13555.25
Purchase of Investments-3,449.63-605.39-836.16-13.44-380.25-323.46-400.46-210.06-527.94
Sale Or Maturity of Investments2,885.00512.91955.223,316.002,691.91232.7782.041,288.191,083.19
Other Uses0.000.000.000.000.00-0.10-0.53-0.57-0.46
Other Sources8.822.125.063.950.560.000.000.0030.06
Cash from Investing Activities-1,553.72-1,478.141,891.1512,617.61-3,570.07-7.49-247.592,800.01-456.00
Cash Dividends Paid-110.72-103.68-108.09-88.67-139.59-21.16-25.72-31.30-54.68
Change in Capital Stock148.76-3.64-2.40377.55488.99-92.97-16.42-46.40-40.25
Repurchase of Common Pref Stock148.97-3.71-2.71-5.42-9.53-93.27-16.42-46.40-40.25
Sale of Common Pref Stock-0.210.080.31382.97498.520.300.000.000.00
Proceedsfrom Stock Options-0.210.000.31382.97498.520.000.000.000.00
Issuance or Reduction of Debt, Net671.90484.17-1,523.76185.781,763.12-40.00-566.43-325.00-175.00
Change in Long Term Debt671.90671.90-2,623.76185.781,763.12-65.00-566.43-125.00255.00
Issuance of Long Term Debt850.18850.180.00185.781,763.120.00193.570.00380.00
Reduction of Long Term Debt-178.28-178.28-2,623.760.000.00-65.00-760.00-125.00-125.00
Net Financing Active Other Cash Flow0.000.000.000.000.00-7.56-10.67-1.51-3.18
Other Financing Activities Uses--0.00--1.79-7.56-10.67-1.51-3.18
Cash from Financing Activities944.641,028.30-4,844.10-9,607.561,051.09-92.7739.40-2,893.68350.64
Net Change in Cash-229.56-194.25-2,875.363,137.35-1,817.017.30-152.65-18.123.89
Free Cash Flow324.77255.5972.41127.31581.11104.7550.4565.07100.25
Preferred Dividends (Cash Flow)--39.79-39.79-39.79-19.34-8.32-13.87-15.56-21.95
Price to Free Cash Flow12.9020.54-29.682.7912.5129.8525.8114.85
Federal Home Loan Advances Increase (Decrease)--12.67-21.43-31.85-17.047.7714.918.677.56

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks333.48265.14253.92220.90205.36222.21
Investments8,129.308,689.937,919.287,751.397,859.817,882.35
Net Loans24,356.1023,967.5324,538.7524,787.0723,870.1424,016.55
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment514.07458.66466.91484.13515.16532.23
Interest Receivables130.21124.05134.03131.43127.47127.36
Deferred Tax Assets743.71704.47653.48839.69672.16691.53
Other Intangible Assets737.17804.85739.82748.65758.08770.41
Total Assets34,965.5035,030.9534,724.2434,980.3834,012.9634,250.45
Total Deposits28,260.3128,121.1827,322.1327,843.3627,184.7627,528.43
Total Debt2,983.653,033.923,505.323,137.152,955.912,866.39
Long Term Debt783.651,183.922,215.322,506.282,415.912,566.39
Provision for Risks Charges34.9232.9234.9234.9230.2229.22
Deferred Tax Liabilities---182.93--
Other Liabilities337.79432.79308.54240.74375.33399.56
Total Liabilities31,616.6731,620.8131,170.9231,439.1030,546.2330,823.61
Preferred Stock - Carrying Value498.52498.52498.52498.52498.52498.52
Common Equity2,850.312,911.633,054.813,042.762,968.222,928.33
Total Shareholders Equity3,348.833,410.153,553.333,541.283,466.743,426.84
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity3,348.833,410.153,553.333,541.283,466.743,426.84
Total Liabilities & Stockholders Equity34,965.5035,030.9534,724.2434,980.3834,012.9634,250.45
Book Value Per Share17.9918.3819.8119.5719.1018.59
Tangible Book Value Per Share16.0916.4417.7817.5217.0016.47
Full-Time Employees---1,904--
Price to Book Ratio1.001.030.901.010.890.77
Return on Assets-0.03-0.060.720.670.620.42
Return on Equity-0.26-0.666.996.505.994.32
Return on Invested Capital2.01-5.251.251.281.180.47
Current Ratio0.090.110.090.110.100.15

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations112.08208.8598.10106.2291.7983.34
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-45.05-47.42-49.12-4.14-16.11-20.62
Cash from Operating Activities67.03161.4348.98102.0875.6862.71
Capital Expenditures-51.73-2.62-3.382.98-2.980.00
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses-9.29-0.059.3715.613.86-1.63
Purchase or Sale of Investments-741.61397.58-211.66-8.94-134.0995.58
Purchase of Investments-997.19-1,948.13-343.37-160.94-277.59-18.32
Sale Or Maturity of Investments255.572,345.72131.71152.00143.49113.90
Other Uses0.000.000.000.000.000.00
Other Sources0.007.370.580.871.260.00
Cash from Investing Activities-774.73145.61-39.22-885.38285.53-493.54
Cash Dividends Paid-28.91-28.87-28.80-24.14-26.08-26.21
Preferred Dividends (Cash Flow)-9.95-9.95-9.95-9.95-9.95-9.95
Change in Capital Stock-0.25-0.55-37.85187.42-35.97-113.53
Repurchase of Common Pref Stock-0.25-0.55-37.85187.63-36.11-113.60
Sale of Common Pref Stock0.000.000.00-0.210.150.07
Proceedsfrom Stock Options0.000.000.00-0.210.070.07
Issuance or Reduction of Debt, Net-51.62-475.88487.41-128.8689.22244.99
Change in Long Term Debt0.000.000.00671.900.000.00
Issuance of Long Term Debt0.000.000.00850.180.000.00
Reduction of Long Term Debt0.000.000.00-178.280.000.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00-0.000.00
Cash from Financing Activities58.34293.74-100.46693.01-316.49440.49
Net Change in Cash-649.35600.79-90.70-90.3044.719.66
Free Cash Flow15.30158.8145.60105.0572.7062.71
Price to Free Cash Flow12.9011.6115.6320.3321.9921.17

Revenue breakdown

Other2024: 589.00K 2025: 560.00K
Other Commissions And Fees2024: 18.05M 2025: 19.09M
Service Charges On Deposit Accounts2024: 18.58M 2025: 19.15M
United States2024: 37.22M 2025: 38.80M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-306.10%9.5M156.4M2.46M
2026-10-157.19%11.2M155.9M2.85M
2026-09-307.12%11.1M155.9M2.84M
2026-09-157.16%11.2M155.9M2.99M
2026-08-316.50%10.1M155.9M2.95M
2026-08-145.93%9.2M155.9M3.17M
2026-07-314.54%7.0M153.6M3.13M
2026-07-156.38%9.5M149.1M2.83M
2026-06-306.55%9.8M149.1M3.01M
2026-06-156.05%9.0M148.8M2.93M
2026-05-296.54%9.8M149.1M3.03M
2026-05-156.82%10.2M149.1M2.98M
2026-04-306.38%9.5M149.2M3.18M
2026-04-155.36%8.0M149.0M3.06M
2026-03-315.96%8.9M149.2M2.94M
2026-03-135.52%8.2M149.2M2.56M
2026-02-274.59%6.7M145.3M2.36M
2026-02-134.78%7.0M146.1M2.34M
2026-01-306.17%8.7M140.7M2.07M
2026-01-156.60%8.8M133.1M2.47M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call2.5014.3016.7015.1015.1884.000.000.993-0.0150.001
call5.0011.8014.200.009.1350.000.000.989-0.0150.001
call7.509.8011.200.005.5950.000.000.984-0.0150.001
call10.007.308.700.004.0770.000.000.978-0.0150.002
call12.504.906.100.003.7110.000.000.968-0.0140.002
call15.002.403.602.602.5684.000.000.946-0.0120.003
call17.500.351.050.950.70242.000.000.609-0.0490.011
call20.000.000.250.150.7451,5010.000.212-0.0330.009
call22.500.000.050.000.8060.000.000.052-0.0130.003
call25.000.000.750.001.1400.000.000.041-0.0160.002
call30.000.000.750.001.6210.000.000.031-0.0170.002
call35.000.000.100.001.9260.000.000.026-0.0170.002
put2.500.000.050.006.0040.000.00-0.006-0.0160.001
put5.000.000.750.004.0620.000.00-0.010-0.0170.001
put7.500.000.750.002.8460.000.00-0.015-0.0170.001
put10.000.000.750.001.9900.000.00-0.021-0.0160.001
put12.500.000.750.051.3165.000.00-0.032-0.0150.002
put15.000.000.050.080.71891.000.00-0.053-0.0120.003
put17.500.000.750.210.8733,0080.00-0.390-0.0480.011
put20.001.652.400.000.9300.000.00-0.788-0.0340.008
put22.503.905.100.002.4160.000.00-0.947-0.0120.003
put25.006.307.800.002.0500.000.00-0.959-0.0130.003
put30.0010.9013.200.003.5930.000.00-0.969-0.0140.002
put35.0015.8018.200.003.8200.000.00-0.974-0.0150.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-024Statement of changes in beneficial ownership of securities2026-10-30SEC
2026-10-278-KCurrent report2026-10-27SEC
2026-10-07SCHEDULE 13G/ASEC
2026-09-114Statement of changes in beneficial ownership of securities2026-09-10SEC
2026-09-10144Filing for proposed sale of securities under Rule 144.SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-044Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-08-04144Filing for proposed sale of securities under Rule 144.SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-02SEC
2026-07-298-KCurrent report2026-07-29SEC
2026-07-14SCHEDULE 13G/ASEC
2026-07-104Statement of changes in beneficial ownership of securities2026-07-08SEC
2026-06-11144Filing for proposed sale of securities under Rule 144.SEC
2026-05-29144Filing for proposed sale of securities under Rule 144.SEC
2026-05-274Statement of changes in beneficial ownership of securities2026-05-26SEC
2026-05-26144Filing for proposed sale of securities under Rule 144.SEC
2026-05-26144Filing for proposed sale of securities under Rule 144.SEC
2026-05-114Statement of changes in beneficial ownership of securities2026-05-09SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC
2026-05-088-KCurrent report2026-05-08SEC
2026-05-0810-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-06SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-1099.75K100
2026-0900192.85K1
2026-0800117.03K1
2026-070000
2026-060000
2026-0500285.73K1
2026-0400385.18K2
2026-030000
2026-02295.68K1644.85M4
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.14.67%
T. Rowe Price Investment Management, Inc.8.43%
STATE STREET CORP6.22%
DIMENSIONAL FUND ADVISORS LP4.97%
VANGUARD PORTFOLIO MANAGEMENT LLC4.17%
VANGUARD CAPITAL MANAGEMENT LLC4.11%
WELLINGTON MANAGEMENT GROUP LLP3.97%
Invesco Ltd.3.22%
AMERICAN CENTURY COMPANIES INC2.87%
GEODE CAPITAL MANAGEMENT, LLC2.51%

Funds

Fund% owned
Thompson Bond Fund7.89%
iShares Core S&P Small-Cap ETF5.31%
VANGUARD TOTAL STOCK MARKET INDEX FUND3.00%
iShares Russell 2000 ETF2.32%
T. Rowe Price Small-Cap Value Fund, Inc.2.21%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF1.98%
T. Rowe Price Small-Cap Stock Fund, Inc.1.92%
Avantis U.S. Small Cap Value ETF1.91%
VANGUARD STRATEGIC EQUITY FUND1.13%
Fidelity Small Cap Index Fund1.09%

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