Private Bancorp of America (PBAM) AI Stock Analysis

• Market Cap: $345.23M
• Dividend Yield: N/A
• Average Volume (3M): 5.41K
• Price to Earnings (P/E): 8.7
• Beta (1Y): 0.17
• 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: -0.71
• Price to Book (P/B): 1.47
• Price to Sales (P/S): 2.04
• P/FCF Ratio: 9.18
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 2.39
• Enterprise Value/Gross Profit: 3.23
• Enterprise Value/Ebitda: 6.41
• 1Y Price Target: $77.00
• Price Target Upside: 28.33% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $64.00 ▲(6.67% Upside)

PBAM scores well primarily due to solid financial performance (profitable since 2020 with improved leverage) and an attractive low P/E valuation. Technicals are supportive but not strongly bullish, with momentum positive yet somewhat extended per stochastic. Key risks tempering the score are historical/periodic volatility and weaker cash-flow coverage signals in 2023–2024.

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

Private Bancorp of America makes money primarily through the interest income generated from its lending activities. This includes loans to individuals and businesses, such as commercial real estate loans, construction loans, and personal loans. Additionally, PBAM earns non-interest income through fees and charges related to its banking services, including account maintenance fees, transaction fees, and service charges. The company may also generate revenue through investment securities and other financial products. Key factors contributing to PBAM's earnings include its ability to attract and retain deposits, effective management of interest rate spreads, and the economic health of the regions it serves.

Private Bancorp of America Financial Statement Overview

Summary

Strong overall fundamentals: consistent revenue growth since 2019, sustained profitability from 2020–2024, and improving capitalization with reduced leverage in 2021–2024. Offsetting this are periodic volatility (notably weaker 2019), some noise in operating profitability measures (e.g., 2023 inconsistencies), and choppy free cash flow trends with weaker coverage signals in 2023–2024.

Income Statement

Revenue has grown consistently since 2019, with solid growth through 2022 and continued expansion into 2024. Profitability is strong in recent years, with positive net income from 2020–2024 and healthy net profit levels in 2022–2024, although profitability has moderated from the unusually high 2023 level. A key weakness is volatility in operating performance historically (losses in 2019) and some inconsistencies in the reported profitability structure (e.g., 2023 showing very strong earnings but weak/negative EBITDA), which adds noise to trend quality.

Balance Sheet

The balance sheet shows improving capitalization over time, with equity rising from 2019 to 2024 and leverage materially reduced versus 2019–2020 (debt-to-equity moved from high levels in 2019–2020 to much lower levels in 2021–2024). Returns on equity have been strong and generally positive from 2020 onward, supporting the quality of earnings. The main watchout is that total debt increased again in 2023 before easing in 2024, and overall leverage history includes a period of elevated risk (2019–2020), indicating the bank has not operated with the same balance sheet conservatism across cycles.

Cash Flow

Cash generation is generally supportive, with free cash flow closely tracking net income across most years (free cash flow to net income near 1.0 from 2020–2024), suggesting reported profits are largely backed by cash. However, free cash flow growth has been choppy (large declines in 2021 and 2023), and the relationship between operating cash flow and the company’s broader obligation base appears weak in 2023–2024 based on the provided coverage figures, which may indicate less balance-sheet flexibility in those periods versus 2020–2022.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	156.39M	161.24M	101.08M	91.57M	74.70M	62.28M
Gross Profit	115.77M	104.21M	130.58M	83.19M	67.42M	49.72M
EBITDA	58.41M	50.53M	-1.18M	35.83M	30.78M	16.48M
Net Income	41.12M	35.54M	40.56M	24.71M	21.03M	10.89M
Balance Sheet
Total Assets	2.45B	2.43B	2.16B	1.85B	1.52B	1.33B
Cash, Cash Equivalents and Short-Term Investments	333.71M	0.00	178.10M	241.22M	256.91M	308.07M
Total Debt	28.97M	53.03M	78.38M	17.95M	27.95M	92.94M
Total Liabilities	2.21B	2.21B	1.97B	1.71B	1.39B	1.22B
Stockholders Equity	246.94M	223.53M	185.78M	143.32M	128.36M	107.75M
Cash Flow
Free Cash Flow	0.00	35.85M	32.69M	47.03M	7.47M	47.23M
Operating Cash Flow	0.00	37.36M	33.52M	47.40M	8.03M	47.52M
Investing Cash Flow	0.00	-281.20M	-241.65M	-385.58M	-302.78M	-124.42M
Financing Cash Flow	0.00	229.62M	257.59M	317.74M	167.62M	247.51M

Private Bancorp of America Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 60.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 60 is above the 20-day moving average (MA) of 58.43, above the 50-day MA of 57.53, and above the 200-day MA of 56.71, indicating a bullish trend. The MACD of 0.77 indicates Negative momentum. The RSI at 76.75 is Negative, neither overbought nor oversold. The STOCH value of 90.16 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	74 Outperform	$345.23M	8.66	17.42%	―	11.18%	24.14%
NECB	71 Outperform	$331.04M	7.26	13.26%	4.11%	-0.72%	-7.24%
WTBA	71 Outperform	$402.00M	12.36	13.14%	4.39%	4.47%	49.09%
RBB	71 Outperform	$353.55M	11.36	5.11%	2.98%	-0.70%	-19.65%
SFST	70 Outperform	$449.91M	14.69	7.65%	―	4.74%	86.27%
PDLB	68 Neutral	$402.74M	14.09	5.48%	―	16.03%	145.10%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%