BANC
Banc of California, Inc.
BANC's outlook is improving, though it still trails on the overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over BANC overall, supported by stronger fundamentals and stronger modeled upside.
BANC Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Weak | |
| N/A | |
| N/A |
BANC's revenue and profitability are currently weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like BANC.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
BANC PE Valuation
BANC has no meaningful PE right now: it lost money over the past year.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
BANC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BANC, with profitability improving.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
BANC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.97 | — |
| Q3 2026 | -$0.35 | -133% |
BANC has swung to a loss: it lost $0.35 per share over the past year, after a profit the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over BANC in the latest year-over-year earnings comparison.
BANC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $303.8M | +5.6% |
| Q2 2026 | $16.4M | -94% |
| Q1 2026 | $286.9M | +7.9% |
| Q4 2025 | $292.9M | +11% |
| Q3 2025 | $287.7M | +33% |
| Q2 2025 | $272.8M | +5.2% |
| Q1 2025 | $266M | +1.2% |
| Q4 2024 | $264.3M | +1086% |
BANC's revenue is down over the past year, though its latest quarter was up: $304M last quarter, up 5.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +3.5 points |
| Q2 2026 | -2044% | -2061 points |
| Q1 2026 | 33% | +5.9 points |
| Q4 2025 | 34% | +7.5 points |
| Q3 2025 | 32% | +27 points |
| Q2 2025 | 18% | +0.3 points |
| Q1 2025 | 27% | +11 points |
| Q4 2024 | 27% | +10451 points |
BANC's operating margin was 36% last quarter, up 3.5 points from the same quarter a year ago, near the top of its range since 2019.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over BANC on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over BANC on profitability, with a higher operating margin.
BANC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $61.5M | -19% |
| Q2 2026 | $158.8M | +158% |
| Q1 2026 | $45.6M | +235% |
| Q4 2025 | $84.2M | +11% |
| Q3 2025 | $75.5M | +69% |
| Q2 2025 | $61.4M | +79% |
| Q1 2025 | $13.6M | +$103.9M |
| Q4 2024 | $75.7M | +120% |
BANC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
BANC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +2.9% | +4.5M shares |
| 1 year | +0.8% | +1.3M shares |
BANC has 160M diluted shares, up 0.8% from a year ago, despite $220M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $109,000 |
| Q1 2026 | $32.3M |
| Q4 2025 | $187.7M |
| Q3 2025 | $35.9M |
| Q2 2025 | $112.9M |
| Q1 2025 | $38.9M |
BANC spent $220M buying back its own shares over the past year.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over BANC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
BANC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 133.9x | High |
| Q2 2026 | 2,403.3x | High |
| Q1 2026 | 0.9x | Very low |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | -1.2x | Net Cash |
| Q2 2025 | -1.7x | Net Cash |
| Q1 2025 | -2.7x | Net Cash |
| Q4 2024 | -5.0x | Net Cash |
BANC's net debt is more than 20 years of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like BANC.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over BANC on leverage, with a lower net debt burden relative to earnings.
BANC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.8 | Neutral |
| Stochastic | 33.9 | Neutral |
BANC's weekly RSI is 44 (neutral) and its Stochastic is 34 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
BANC PE vs Financial Services Sector
| Metric | BANC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
BANC has no meaningful PE right now: it lost money over the past year.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
BANC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.8 | 0.2% above |
| 20 week MA | $18.8 | 5.3% below |
| 50 week MA | $19.0 | 6.3% below |
| 100 week MA | $17.1 | 4% above |
| 200 week MA | $15.4 | 16% above |
BANC's trend is mixed: it's above three of its five weekly moving averages, and 16% above its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
BANC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.0 | $15.0 | -12% |
| 2021 | $15.0 | $19.5 | +31% |
| 2022 | $19.5 | $15.5 | -21% |
| 2023 | $15.5 | $13.4 | -13% |
| 2024 | $13.4 | $15.5 | +15% |
| 2025 | $15.5 | $19.7 | +27% |
| 2026 YTD | $19.7 | $17.8 | -9.6% |
BANC has finished lower in three of the last six years. It's down 9.6% so far in 2026.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has the edge over BANC on returns for 2026, with the stronger performance.