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STOCKS

Private Bancorp of America Inc (PBAM)

OTHER OTC:PBAM

PBAM

Private Bancorp of America

RESEARCH TOOLSreports

Private Bancorp of America (PBAM) Ratios

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Private Bancorp of America Ratios

PBAM's free cash flow for Q2 2025 was $0.70. For the 2025 fiscal year, PBAM's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.17	0.17	0.19	0.19	13.34
Quick Ratio	0.17	0.17	0.19	0.19	21.02
Cash Ratio	0.07	0.07	0.18	0.19	7.39
Solvency Ratio	0.02	0.02	0.02	>-0.01	0.01
Operating Cash Flow Ratio	0.00	0.02	0.04	0.04	2.56
Short-Term Operating Cash Flow Coverage	0.00	23.12	1.97	0.69	3.93
Net Current Asset Value	$ -1.89B	$ -1.89B	$ -2.03B	$ -1.79B	$ -1.47B
Leverage Ratios
Debt-to-Assets Ratio	0.01	0.01	0.02	0.04	<0.01
Debt-to-Equity Ratio	0.11	0.11	0.24	0.42	0.13
Debt-to-Capital Ratio	0.10	0.10	0.19	0.30	0.11
Long-Term Debt-to-Capital Ratio	0.10	0.10	0.11	0.13	0.11
Financial Leverage Ratio	9.60	9.60	10.87	11.61	12.94
Debt Service Coverage Ratio	1.09	0.83	1.88	-0.33	1.40
Interest Coverage Ratio	1.64	1.23	0.00	12.26	5.63
Debt to Market Cap	0.08	0.09	0.15	0.39	0.17
Interest Debt Per Share	11.26	13.27	9.31	14.72	4.35
Net Debt to EBITDA	-2.25	-2.25	-2.19	84.51	-3.31
Profitability Margins
Gross Profit Margin	51.94%	69.19%	64.63%	129.18%	90.84%
EBIT Margin	33.56%	33.56%	31.34%	56.71%	38.13%
EBITDA Margin	33.56%	33.56%	31.34%	-1.17%	39.13%
Operating Profit Margin	33.56%	33.56%	32.43%	57.68%	38.16%
Pretax Profit Margin	33.56%	33.56%	31.34%	56.80%	38.16%
Net Profit Margin	23.56%	23.60%	22.04%	40.13%	26.98%
Continuous Operations Profit Margin	23.60%	23.60%	22.22%	40.42%	26.98%
Net Income Per EBT	70.18%	70.32%	70.34%	70.65%	70.71%
EBT Per EBIT	100.00%	100.00%	96.63%	98.48%	100.00%
Return on Assets (ROA)	1.60%	1.60%	1.46%	1.88%	1.33%
Return on Equity (ROE)	16.17%	15.41%	15.90%	21.83%	17.24%
Return on Capital Employed (ROCE)	18.59%	18.59%	3.44%	4.70%	1.90%
Return on Invested Capital (ROIC)	12.99%	12.99%	2.17%	3.25%	7.13%
Return on Tangible Assets	1.60%	1.61%	1.46%	1.88%	1.33%
Earnings Yield	10.58%	12.32%	10.80%	20.52%	13.73%
Efficiency Ratios
Receivables Turnover	20.80	20.80	0.00	0.00	17.31
Payables Turnover	0.00	0.00	0.00	0.00	0.45
Inventory Turnover	0.00	0.00	0.00	0.00	-0.06
Fixed Asset Turnover	18.86	18.86	17.61	21.08	52.57
Asset Turnover	0.07	0.07	0.07	0.05	0.05
Working Capital Turnover Ratio	-0.22	-0.13	-0.22	-0.40	0.38
Cash Conversion Cycle	17.55	17.55	0.00	0.00	-6.96K
Days of Sales Outstanding	17.55	17.55	0.00	0.00	21.09
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	-6.17K
Days of Payables Outstanding	0.00	0.00	0.00	0.00	804.34
Operating Cycle	17.55	17.55	0.00	0.00	-6.15K
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	7.83	6.56	5.94	8.53
Free Cash Flow Per Share	0.00	7.56	6.29	5.79	8.47
CapEx Per Share	0.00	0.27	0.27	0.15	0.07
Free Cash Flow to Operating Cash Flow	0.00	0.97	0.96	0.98	0.99
Dividend Paid and CapEx Coverage Ratio	0.00	28.91	24.73	40.15	130.21
Capital Expenditure Coverage Ratio	0.00	28.91	24.73	40.15	130.21
Operating Cash Flow Coverage Ratio	0.00	1.55	0.70	0.43	2.64
Operating Cash Flow to Sales Ratio	0.00	0.26	0.23	0.33	0.52
Free Cash Flow Yield	0.00%	13.14%	10.90%	16.54%	26.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.45	8.12	9.26	4.87	7.28
Price-to-Sales (P/S) Ratio	2.25	1.92	2.04	1.96	1.96
Price-to-Book (P/B) Ratio	1.45	1.25	1.47	1.06	1.26
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	7.61	9.18	6.05	3.83
Price-to-Operating Cash Flow Ratio	0.00	7.35	8.81	5.90	3.80
Price-to-Earnings Growth (PEG) Ratio	-5.63	0.64	-0.71	0.08	0.41
Price-to-Fair Value	1.45	1.25	1.47	1.06	1.26
Enterprise Value Multiple	4.44	3.45	4.32	-82.99	1.71
Enterprise Value	256.84M	199.69M	218.16M	97.93M	61.32M
EV to EBITDA	4.44	3.45	4.32	-82.99	1.71
EV to Sales	1.49	1.16	1.35	0.97	0.67
EV to Free Cash Flow	0.00	4.60	6.08	3.00	1.30
EV to Operating Cash Flow	0.00	4.44	5.84	2.92	1.29
Tangible Book Value Per Share	46.30	46.01	38.86	32.49	25.26
Shareholders’ Equity Per Share	46.30	46.01	39.23	32.90	25.80
Tax and Other Ratios
Effective Tax Rate	0.30	0.30	0.29	0.29	0.29
Revenue Per Share	30.22	30.03	28.30	17.90	16.48
Net Income Per Share	7.12	7.09	6.24	7.18	4.45
Tax Burden	0.70	0.70	0.70	0.71	0.71
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.18	0.26	0.07	0.08	0.43
Stock-Based Compensation to Revenue	0.01	0.00	0.00	0.01	0.01
Income Quality	0.00	1.11	1.05	0.82	1.92

Currency in USD