Private Bancorp of America Inc (PBAM)
OTHER OTC:PBAM
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Private Bancorp of America
(OTC:PBAM)
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Rating:79Outperform
Price Target:
$77.00
▲(12.02% Upside)
Action:ReiteratedDate: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.
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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.
Read all positive factors
Private Bancorp of America (PBAM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$395.55M
Dividend YieldN/A
Average Volume (3M)5.41K
Price to Earnings (P/E)8.1
Beta (1Y)0.16
Revenue Growth11.18%
EPS Growth24.14%
CountryUS
Employees12
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.71
Shares Outstanding5,753,877
10 Day Avg. Volume5,495
30 Day Avg. Volume5,410
Financial Highlights & Ratios
PEG Ratio0.64
Price to Book (P/B)1.25
Price to Sales (P/S)1.92
P/FCF Ratio7.61
Enterprise Value/Market Cap0.67
Enterprise Value/Revenue1.70
Enterprise Value/Gross Profit2.29
Enterprise Value/Ebitda4.54
Forecast
1Y Price Target
$77.00Price Target Upside12.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)7.3
Revenue Forecast (FY)$134.16M
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 an...
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 suc...
Private Bancorp of America Financial Statement Overview
Summary
Income Statement
83
Very Positive
Balance Sheet
78
Positive
Cash Flow
67
Positive
| 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
Positive
68.74
Price Trends
66.49
Positive
61.97
Positive
59.73
Positive
Market Momentum
0.67
Positive
68.03
Neutral
41.09
Neutral
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 68.74 is above the 20-day moving average (MA) of 68.01, above the 50-day MA of 66.49, and above the 200-day MA of 59.73, indicating a bullish trend. The MACD of 0.67 indicates Positive momentum. The RSI at 68.03 is Neutral, neither overbought nor oversold. The STOCH value of 41.09 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $395.55M | 8.12 | 16.17% | ― | 11.18% | 24.14% | |
71 Outperform | $350.14M | 6.95 | 13.07% | 4.11% | -0.72% | -7.24% | |
69 Neutral | $425.89M | 11.55 | 13.03% | 4.39% | 4.47% | 49.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $480.78M | 10.51 | 8.63% | ― | 4.74% | 86.27% | |
66 Neutral | $386.21M | 8.64 | 6.19% | 2.98% | -0.70% | -19.65% | |
64 Neutral | $423.23M | 13.01 | 5.45% | ― | 16.03% | 145.10% |
* Financial Sector Average
PBAM
Private Bancorp of America
68.78
16.88
32.52%
NECB
Northeast Community Bancorp
25.01
4.08
19.48%
SFST
Southern First Bancshares
58.85
27.83
89.72%
WTBA
West Bancorporation
24.93
7.12
39.96%
RBB
Rbb Bancorp
22.63
7.80
52.60%
PDLB
Ponce Financial Group Inc
17.60
6.49
58.42%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.