Private Bancorp of America (PBAM) AI Stock Analysis

• Market Cap: $396.15M
• Dividend Yield: N/A
• Average Volume (3M): 5.41K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 0.16
• Revenue Growth: 11.18%
• EPS Growth: 24.14%
• Country: US
• Employees: 12
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.71
• Shares Outstanding: 5,753,877
• 10 Day Avg. Volume: 5,495
• 30 Day Avg. Volume: 5,410
• PEG Ratio: 0.64
• Price to Book (P/B): 1.25
• Price to Sales (P/S): 1.92
• P/FCF Ratio: 7.61
• Enterprise Value/Market Cap: 0.67
• Enterprise Value/Revenue: 1.70
• Enterprise Value/Gross Profit: 2.30
• Enterprise Value/Ebitda: 4.55
• 1Y Price Target: $77.00
• Price Target Upside: 14.52% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 7.17
• Revenue Forecast (FY): $137.39M

• Rating: 79 Outperform
• Price Target: $77.00 ▲(14.52% Upside)
• Action: Reiterated Date: 03/20/26
• Date: Action: Reiterated 03/20/26

The score is driven primarily by strong financial performance (improving growth/margins and sharply lower leverage), supported by bullish technical trends and an attractive low P/E valuation. The main constraint is variability and internal inconsistencies in some mid-period profitability and uneven recent cash flow coverage metrics.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Balance Sheet Health

A low Debt-to-Equity Ratio suggests reduced financial risk and greater flexibility for future investments and growth opportunities.

Profitability

High profitability margins reflect effective cost management and strong competitive positioning, enhancing long-term shareholder value.

Negative Factors

Free Cash Flow Decline

A decline in free cash flow growth could impact future liquidity, limiting the company's ability to fund operations and growth initiatives.

Earnings Call Uncertainty

Lack of guidance from the earnings call creates uncertainty about future performance, potentially affecting investor confidence and strategic planning.

Negative EBITDA Margin

A negative EBITDA margin suggests operational inefficiencies or extraordinary expenses, which could hinder profitability and operational performance.

Private Bancorp of America Business Overview & Revenue Model

Company Description

Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California. The company's personal banking services include personal checking and savings, money market, certificate of deposit, and retirement accounts; personal credit lines and term loans; additional services, such as direct deposits, online banking, ATMs/debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. Its business banking services consist of business checking and savings accounts, sweep accounts; and business services comprising treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, wire transfer services, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services. The company also offers commercial real estate, small business administration, construction, and equipment and business expansion loans, as well as working capital lines of credit and letters of credit. The company has offices in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.

How the Company Makes Money

PBAM generated earnings primarily through its banking subsidiary by (1) net interest income—earning interest on loans (e.g., commercial, real estate, and other credit products) and investment securities while paying interest on funding sources such as customer deposits and borrowings, with profitability influenced by loan yields, funding costs, balance-sheet mix, and interest-rate conditions; and (2) noninterest income—fees from banking services such as deposit account service charges, treasury/cash-management services, and other bank service fees. Additional costs and offsets included provision for credit losses (driven by loan performance and credit quality) and noninterest expense (personnel, occupancy, technology, and regulatory/compliance costs). Specific material partnerships or counterparty arrangements contributing to earnings: null.

Private Bancorp of America Financial Statement Overview

Summary

Strong recent revenue growth (~10.2% in 2025) and improving net margin (~23.6% in 2025) support the score, and the balance sheet shows materially lower leverage (debt-to-equity down to ~0.11 in 2025). Offsetting this are mid-period profitability inconsistencies (e.g., unusual 2023 relationships and negative EBITDA) and volatile/weakening cash flow coverage metrics in recent years, which reduce confidence in stability.

Income Statement

Revenue has expanded steadily, accelerating to ~10.2% growth in 2025 (annual) after a softer 2024. Profitability is strong for the period shown, with net margin rising from ~17.5% (2020) to ~23.6% (2025) and solid operating margins in 2024–2025. A key blemish is volatility/quality of intermediate-year profitability signals (e.g., 2023 shows unusual relationships like gross profit exceeding revenue and a negative EBITDA), which reduces confidence in trend consistency despite strong recent results.

Balance Sheet

Leverage has improved materially over time: debt-to-equity fell from ~0.86 (2020) to ~0.11 (2025), and equity has grown meaningfully alongside asset growth. Returns on equity have remained healthy (roughly low-to-mid teens in recent years, peaking above 20% in 2023). The main weakness is that leverage and returns have not been perfectly stable year-to-year (notably higher leverage in 2020–2023), which adds some balance-sheet risk sensitivity versus the most conservatively positioned peers.

Cash Flow

Cash generation appears solid in absolute terms recently, with operating cash flow and free cash flow both higher in 2024–2025 versus 2023, and free cash flow tracking net income closely (about 0.93–0.99x across years), suggesting earnings are largely supported by cash. However, cash flow shows notable volatility (large swings in free cash flow growth and operating cash flow across periods), and the provided ability-to-cover metric is very low in 2023–2025 compared with 2022, indicating weaker coverage in the most recent two years despite positive cash flow.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	156.39M	172.31M	161.24M	101.08M	91.57M	74.70M
Gross Profit	115.77M	119.22M	104.21M	130.58M	83.19M	67.42M
EBITDA	58.41M	57.83M	50.53M	-1.18M	35.83M	30.78M
Net Income	41.12M	40.67M	35.54M	40.56M	24.71M	21.03M
Balance Sheet
Total Assets	2.45B	2.54B	2.43B	2.16B	1.85B	1.52B
Cash, Cash Equivalents and Short-Term Investments	333.71M	377.21M	0.00	178.10M	241.22M	256.91M
Total Debt	28.97M	28.98M	53.03M	78.38M	17.95M	27.95M
Total Liabilities	2.21B	2.27B	2.21B	1.97B	1.71B	1.39B
Stockholders Equity	246.94M	263.96M	223.53M	185.78M	143.32M	128.36M
Cash Flow
Free Cash Flow	0.00	43.38M	35.85M	32.69M	47.03M	7.47M
Operating Cash Flow	0.00	44.93M	37.36M	33.52M	47.40M	8.03M
Investing Cash Flow	0.00	-120.39M	-281.20M	-241.65M	-385.58M	-302.78M
Financing Cash Flow	0.00	66.60M	229.62M	257.59M	317.74M	167.62M

Private Bancorp of America Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 67.24
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBAM, the sentiment is Positive. The current price of 67.24 is above the 20-day moving average (MA) of 67.14, above the 50-day MA of 63.83, and above the 200-day MA of 58.76, indicating a bullish trend. The MACD of 0.98 indicates Positive momentum. The RSI at 72.48 is Negative, neither overbought nor oversold. The STOCH value of 83.11 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PBAM.

Private Bancorp of America Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBAM	79 Outperform	$396.15M	8.12	16.17%	―	11.18%	24.14%
NECB	71 Outperform	$331.19M	6.95	13.07%	4.11%	-0.72%	-7.24%
WTBA	69 Neutral	$400.48M	11.55	13.03%	4.39%	4.47%	49.09%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFST	66 Neutral	$439.22M	10.51	8.63%	―	4.74%	86.27%
RBB	66 Neutral	$362.15M	8.64	6.19%	2.98%	-0.70%	-19.65%
PDLB	62 Neutral	$401.49M	13.01	5.45%	―	16.03%	145.10%