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.

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

Sunstone Bank & Trust

Commercial Finance Group | Banc of California

About Banc of California, Inc.Banc of California, Inc. (NYSE: BANC) is a bank holding company with over $38 billion in assets and the parent company of Banc of California. Banc of California is one of the nation’s premier relationship-based business banks, providing banking and treasury management services to small-, middle-market, and venture-backed businesses. Banc of California is the third largest bank headquartered in California and offers a broad range of loan and deposit products and services through more than 90 full-service branches throughout California and in Denver, Colorado, and Durham, North Carolina, as well as through regional offices nationwide. The bank also provides full-stack payment processing solutions through its subsidiary, Deepstack Technologies, and serves the Community Association Management industry nationwide with its technology-forward platform, SmartStreet™.  The bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more.Member FDIC | Equal Housing Lender | NMLS# 530611

Metric
Company Name	Banc of California, Inc.	Sunstone Bank & Trust
Symbol	BANC
MSH ID	COM:BANCOFCAL	BANK:SUNSTONE
Market	STOCKS	PRIVATE
Sector	Financial Services	Financial Services & Finance
Industry	Banks - Regional	Banking
Country	US	US
Stage	Post-IPO
Employee Count	2.21K	21
Website	bancofcal.com	sunstone.bank
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

COM:BANCOFCAL

Banc of California

Last Close

16.36

22/11 21:00

Market Cap

2.16B

Beta: -

Volume Today

3.11M

Avg: -

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