Demonstrações financeiras detalhadas de Banc of California, Inc. (BANC): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Banc of California, Inc. registou receitas de $1.81B no último exercício, com um CAGR de 5 anos de 42.4%. O lucro líquido atingiu $229.0M, com CAGR de 5 anos de 78.7%.
Margens dos últimos 12 meses: margem bruta 53.1%, margem operacional -2.0%, margem líquida -1.2%. O fluxo de caixa livre cresceu a CAGR de 27.5% em 5 anos.
Ao preço atual de $18.28, BANC apresenta lucros negativos (P/L não significativo) e um ROE de -0.62%. A capitalização de mercado é de $2.8B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $455.2M | $428.0M | $449.0M | $403.2M | $309.5M | $1.34B | $1.61B | $1.50B | $1.87B | $1.81B |
| Custo da Receita | $61.4M | $96.9M | $165.4M | $178.1M | $95.0M | -$107.1M | $290.2M | $1.28B | $929.5M | $747.7M |
| Lucro Bruto | $393.7M | $331.1M | $283.6M | $225.1M | $214.4M | $1.44B | $1.32B | $226.4M | $943.1M | $1.06B |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $153.0M | $134.5M | $122.6M | $114.3M | $96.8M | $385.8M | $432.3M | $468.0M | $412.2M | $557.8M |
| Despesas Operacionais | $293.3M | $304.2M | $236.6M | $197.1M | $200.1M | $620.4M | $748.9M | $2.44B | $774.4M | $737.3M |
| Lucro Operacional | $100.5M | $26.9M | $47.0M | $28.0M | $14.4M | $822.3M | $567.6M | -$2.21B | $168.7M | $325.6M |
| EBITDA | $117.0M | $43.2M | $60.9M | $46.6M | $32.2M | $917.7M | $665.0M | -$2.12B | $290.1M | $397.2M |
| Despesas com Juros | $59.5M | $85.0M | $136.7M | $142.9M | $66.0M | $54.9M | $265.7M | $1.22B | $886.7M | $699.3M |
| Lucro Antes de Impostos | $100.5M | $26.9M | $47.0M | $28.0M | $14.4M | $822.3M | $567.6M | -$2.21B | $168.7M | $313.1M |
| Imposto | $13.7M | -$26.6M | $4.8M | $4.2M | $1.8M | $215.4M | $144.0M | -$312.2M | $41.8M | $84.1M |
| Lucro Líquido | $115.4M | $57.7M | $45.5M | $23.8M | $12.6M | $607.0M | $423.6M | -$1.90B | $126.9M | $229.0M |
| LPA | $1.97 | $0.47 | $0.37 | $0.05 | $-0.02 | $0.95 | $0.85 | $-22.71 | $0.52 | $1.18 |
| LPA Diluído | $1.94 | $0.47 | $0.37 | $0.05 | $-0.02 | $0.95 | $0.85 | $-22.71 | $0.52 | $1.18 |
| Ações em Circulação (Diluídas) | $120.2M | $121.6M | $123.6M | $119.0M | $116.9M | $117.3M | $143.0M | $143.0M | $168.7M | $160.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $465.5M | $458.5M | $442.8M | $414.6M |
| Lucro Bruto | $286.4M | $292.9M | $277.1M | $88.7M |
| Lucro Operacional | $92.3M | $112.3M | $95.8M | -$335.2M |
| EBITDA | $99.5M | $125.3M | $118.7M | -$335.2M |
| Lucro Líquido | $69.6M | $77.4M | $72.0M | -$240.2M |
| LPA | $0.38 | $0.42 | $0.40 | $-1.61 |
| LPA Diluído | $0.38 | $0.42 | $0.45 | $-1.61 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $440.5M | $387.7M | $391.6M | $373.5M | $220.8M | $228.1M | $2.24B | $5.38B | $2.50B | $2.31B |
| Investimentos de Curto Prazo | $2.38B | $2.58B | $1.99B | $912.6M | $1.23B | $1.32B | $4.84B | $2.35B | $2.25B | $4.92B |
| Contas a Receber | $16.0M | $8.7M | $2.7M | $4.2M | $1.1M | $8.0M | $247.0M | $172.8M | $143.5M | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $2.84B | $2.97B | $2.39B | $1.29B | $1.45B | $1.55B | $7.36B | $7.94B | $4.93B | $7.23B |
| Imobilizado | $140.9M | $135.7M | $129.4M | $150.6M | $141.2M | $112.9M | $584.8M | $624.2M | $549.8M | $146.7M |
| Ágio | $37.1M | $37.1M | $37.1M | $37.1M | $37.1M | $94.3M | $1.38B | $198.6M | $214.5M | $214.5M |
| Ativos Intangíveis | $53.6M | $43.1M | $6.3M | $4.2M | $2.6M | $6.4M | $31.4M | $165.5M | $132.9M | $105.3M |
| Ativos Totais | $11.03B | $10.33B | $10.63B | $7.83B | $7.88B | $9.43B | $41.23B | $38.53B | $33.54B | $34.80B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | $25.0M | 0 | $2.62B | 0 | 0 |
| Passivos Circulantes | $9.22B | $7.43B | $7.99B | $5.52B | $6.16B | $7.58B | $34.05B | $33.02B | $27.19B | $28.24B |
| Dívida de Longo Prazo | $733.3M | $1.87B | $1.69B | $1.37B | $796.1M | $750.4M | $2.63B | $1.23B | $2.33B | $3.02B |
| Passivos Totais | $10.05B | $9.32B | $9.68B | $6.92B | $6.98B | $8.36B | $37.28B | $35.14B | $30.04B | $31.26B |
| Reservas | $134.5M | $144.8M | $141.0M | $127.7M | $110.2M | $147.9M | $1.42B | -$518.3M | -$431.2M | -$242.0M |
| Patrimônio Líquido | $980.2M | $1.01B | $945.5M | $907.2M | $897.2M | $1.07B | $3.95B | $3.39B | $3.50B | $3.54B |
| Dívida Total | $733.3M | $1.87B | $1.69B | $1.39B | $816.8M | $816.1M | $2.63B | $3.85B | $2.33B | $3.02B |
| Dívida Líquida | -$2.09B | -$1.10B | -$690.9M | $106.1M | -$635.5M | -$727.7M | -$4.45B | -$3.88B | -$2.42B | -$4.21B |
| Capital de Giro | -$6.39B | -$4.46B | -$5.60B | -$4.23B | -$4.70B | -$6.03B | -$26.69B | -$25.08B | -$22.26B | -$21.01B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $2.40B | $2.31B | $253.9M | $2.82B |
| Ativos Totais | $34.01B | $34.80B | $34.72B | $34.81B |
| Passivos Totais | $30.55B | $31.26B | $31.17B | $31.62B |
| Patrimônio Líquido | $3.47B | $3.54B | $3.55B | $3.19B |
| Dívida Total | $2.96B | $3.02B | $3.51B | $3.03B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $115.4M | $57.7M | $45.5M | $23.8M | $12.6M | $607.0M | $423.6M | -$1.90B | $126.9M | $229.0M |
| Depreciação e Amortização | $16.5M | $16.4M | $13.9M | $18.6M | $17.8M | $95.3M | $97.4M | $91.3M | $121.4M | $101.0M |
| Compensação em Ações | $11.9M | $12.1M | $6.6M | $5.0M | $5.8M | $32.2M | $34.8M | $28.7M | $15.4M | $23.4M |
| Variação Capital de Giro | -$15.3M | -$64.2M | $19.6M | -$19.1M | -$8.8M | -$108.5M | -$5.4M | -$169.6M | -$207.8M | -$103.9M |
| Fluxo de Caixa Operacional | $18.1M | $563.0M | $123.0M | $80.3M | $74.9M | $503.0M | $702.0M | $135.8M | $77.4M | $255.6M |
| CapEx | -$44.7M | -$15.3M | -$9.0M | -$10.5M | -$5.1M | -$48.0M | -$120.9M | -$15.2M | -$13.0M | -$20.8M |
| Aquisições | $247.2M | $56.1M | 0 | 0 | 0 | $3.76B | 0 | $335.3M | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | -$1.0M | -$13.0M | -$100.8M | -$9.5M | 0 | 0 | -$187.7M |
| Dividendos Pagos | -$41.5M | -$46.2M | -$54.7M | -$31.3M | -$25.7M | -$127.8M | -$139.6M | -$88.7M | -$108.1M | -$103.7M |
| Fluxo de Caixa Livre | -$26.6M | $547.7M | $114.0M | $69.8M | $69.8M | $454.9M | $581.1M | $120.5M | $64.3M | $234.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $75.7M | $102.1M | $49.0M | $161.4M |
| CapEx | -$185000 | -$17.9M | -$3.4M | $3.4M |
| Fluxo de Caixa Livre | $75.5M | $84.2M | $45.6M | $164.8M |
| Dividendos Pagos | -$26.1M | -$24.1M | -$28.8M | -$28.9M |
| Compensação em Ações | $6.1M | $5.3M | $5.6M | $4.2M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | -6.0% | +4.9% | -10.2% | -23.2% | +331.6% | +20.3% | -6.5% | +24.6% | -3.3% |
| Crescimento Lucro Líquido (anual) | | -50.0% | -21.2% | -47.8% | -47.1% | +4727.1% | -30.2% | -548.3% | +106.7% | +80.5% |
| Crescimento LPA (anual) | | -76.1% | -21.3% | -86.5% | -140.0% | +4850.0% | -10.5% | -2771.8% | +102.3% | +126.9% |
| Variação de Ações (anual) | | +1.1% | +1.7% | -3.8% | -1.8% | +0.4% | +21.9% | +0.0% | +18.0% | -5.1% |
| Crescimento FCF (anual) | | +2161.3% | -79.2% | -38.8% | -0.0% | +552.0% | +27.7% | -79.3% | -46.6% | +265.0% |
| Margem Bruta | 86.5% | 77.4% | 63.2% | 55.8% | 69.3% | 108.0% | 81.9% | 15.1% | 50.4% | 58.7% |
| Margem Operacional | 22.1% | 6.3% | 10.5% | 6.9% | 4.6% | 61.6% | 35.3% | -147.2% | 9.0% | 18.0% |
| Margem EBITDA | 25.7% | 10.1% | 13.6% | 11.6% | 10.4% | 68.7% | 41.4% | -141.1% | 15.5% | 21.9% |
| Margem Líquida | 25.4% | 13.5% | 10.1% | 5.9% | 4.1% | 45.4% | 26.4% | -126.4% | 6.8% | 12.6% |
| Margem FCF | -5.8% | 128.0% | 25.4% | 17.3% | 22.5% | 34.1% | 36.2% | 8.0% | 3.4% | 13.0% |
| Taxa Efetiva de Imposto | 13.7% | -98.8% | 10.3% | 15.1% | 12.4% | 26.2% | 25.4% | 14.1% | 24.8% | 26.9% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $-0.22 | $4.50 | $0.92 | $0.59 | $0.60 | $3.88 | $4.06 | $0.84 | $0.38 | $1.47 |
| Dividendo por Ação | $0.34 | $0.38 | $0.44 | $0.26 | $0.22 | $1.09 | $0.98 | $0.62 | $0.64 | $0.65 |
| Ações em Circulação (Básicas) | $120.2M | $121.6M | $123.6M | $119.0M | $116.8M | $117.3M | $143.0M | $143.0M | $168.4M | $155.4M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | -0.62% |
| Retorno sobre capital investido | -0.23% |
| Retorno sobre ativos | -0.06% |
| Margem bruta | 53.06% |
| Margem operacional | -1.96% |
| Margem líquida | -1.19% |
Saúde financeira
| Dívida / Patrimônio | 0.95 |
| Liquidez corrente | 0.27 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 8.81 | 43.94 | 35.97 | 343.60 | -735.50 | 20.65 | 18.74 | -0.59 | 29.73 | 16.35 |
| P/VP | 2.13 | 2.48 | 1.74 | 2.25 | 1.92 | 2.16 | 0.58 | 0.57 | 0.74 | 0.85 |
| P/V | 4.58 | 5.87 | 3.67 | 5.07 | 5.55 | 1.72 | 1.42 | 1.28 | 1.39 | 1.66 |
| Margem Bruta | 86.5% | 77.4% | 63.2% | 55.8% | 69.3% | 108.0% | 81.9% | 15.1% | 50.4% | 58.7% |
| Margem Operacional | 22.1% | 6.3% | 10.5% | 6.9% | 4.6% | 61.6% | 35.3% | -147.2% | 9.0% | 18.0% |
| Margem Líquida | 25.4% | 13.5% | 10.1% | 5.9% | 4.1% | 45.4% | 26.4% | -126.4% | 6.8% | 12.6% |