Sunstone Bank & Trust is a division of TransPecos Banks, SSB, offering banking services.

Sunstone Bank & Trust

TransPecos Banks provides various banking services including personal and business accounts, lending options, and financial resources. Self-described as offering Texas banking services.

TransPecos Banks

American Lending Center (ALC) is a private non-bank lending institution and a nationally recognized leader in small business lending. Headquartered in Irvine, California, ALC provides commercial loans to eligible small businesses nationwide, primarily through Small Business Administration (SBA) programs. The company has a strong focus on fostering development, job creation, and economic growth in America, and has a sustainable success through integrity, transparency, and accountability. ALC has a total SBA portfolio of $1.08 billion and has received recognition as one of the fastest-growing private companies in America, among other awards and accolades.

American Lending Center

Banc of California, Inc. operates as the bank holding company for Banc of California, National Association that provides banking products and services in the United States. The company offers deposit products, including checking, savings, money market, retirement, and interest-bearing and noninterest-bearing demand accounts, as well as certificate of deposits. It also provides various commercial and consumer loan products, such as commercial and industrial loans; commercial real estate and multifamily loans; construction loans; single family residential mortgage loans; warehouse and indirect/direct leveraged lending; home equity lines of credit; small business administration loans; and other consumer loans. In addition, the company offers automated bill payment, cash and treasury management, foreign exchange, card payment, remote and mobile deposit capture, automated clearing house origination, wire transfer, direct deposit, and internet banking services; and master demand accounts, interest rate swaps, and safe deposit boxes. Further, it invests in collateralized loan obligations, agency securities, municipal bonds, agency residential mortgage-backed securities, and corporate debt securities. As of December 31, 2020, the company operated 29 full-service branches in Southern California. The company was formerly known as First PacTrust Bancorp, Inc. and changed its name to Banc of California, Inc. in July 2013. Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana, California.

Banc of California, Inc.

The Long Beach Chamber of Commerce is the platform for business to provide leadership, education and advocacy so that the Long Beach area thrives in the 21st century.

Metric
Company Name	Sunstone Bank & Trust	TransPecos Banks	American Lending Center	Banc of California, Inc.
Symbol				BANC
MSH ID	BANK:SUNSTONE	BANK:TRANSPECOS	COM:AMERICANLENDINGCENTER	COM:BANCOFCAL
Market	PRIVATE	PRIVATE	PRIVATE	STOCKS
Sector	Financial Services & Finance	Financial Services & Finance	Financial Services & Finance	Financial Services
Industry	Banking	Banking	Financial Services	Banks - Regional
Country	US	US		US
Stage				Post-IPO
Employee Count	21		11	2.21K
Website	sunstone.bank	transpecos.bank	americanlendingcenter.com	bancofcal.com
LinkedIn				banc-of-california
Founders

Metric
Market Cap				2.16B
Enterprise Value
Monthly Web Traffic				105.98K
Web Traffic Growth				0.17
Valuation
Raised Capital				20M

Metric
Revenue				1.52B
Revenue (LTM)
Revenue (NTM)
Gross Profit				1.52B
EBITDA				45.66M
Operating Income				-12.60M
Net Income				-1.90B
EPS				-22.24
Diluted EPS				-22.24
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin				1
Operating Profit Margin				0.39
EBITDA Margin				0.03
Net Profit Margin				-0.32
Return on Equity				-0.14
Return on Assets				-0.01
Return on Capital Employed				0.01

BANK:SUNSTONE

Sunstone Bank & Trust

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio				7.50
P/B Ratio				0.77
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio				6.75
EV Multiple				60.59

Metric
Days Sales Outstanding				6.59K
Days Payables Outstanding
Days Inventory Outstanding				65.01
Operating Cycle				113.72
Cash Conversion Cycle				113.72
Asset Turnover				0.03

Metric
Operating Cash Flow				127.31M
Free Cash Flow				112.09M
Cash Flow to Debt				0.04
Operating Cash Flow/Sales				0.34
Free Cash Flow Yield				0.05

Metric
Cash & Equivalents				5.38B
Accounts Receivable
Inventory				29.64M
Goodwill				198.63M
Debt to Capitalization				0.58
Debt to Assets				0.18
Current Ratio				6.60
Quick Ratio				4.35

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue				0.02
R&D to Revenue
SG&A to Revenue				0.29