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Private Bancorp Of America (PBAM)
:PBAM
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Private Bancorp of America (PBAM) AI Stock Analysis

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PBAM

Private Bancorp of America

(OTC:PBAM)

Rating:77Outperform
Price Target:
Private Bancorp of America's strong financial performance and stable balance sheet are the primary strengths supporting its stock score. Positive technical indicators suggest upward momentum, though caution is warranted given overbought signals. The valuation is reasonable, yet the lack of dividend yield may deter some investors. Uncertainty from the earnings call limits the score, highlighting the need for more transparency and guidance.

Private Bancorp of America (PBAM) vs. SPDR S&P 500 ETF (SPY)

Private Bancorp of America Business Overview & Revenue Model

Company DescriptionPrivate Bancorp of America (PBAM) is a financial holding company that operates primarily through its wholly-owned subsidiary, CalPrivate Bank. The bank specializes in providing a range of financial services, including commercial and personal banking, real estate lending, and treasury management services. With a focus on serving small to medium-sized businesses and high-net-worth individuals, PBAM offers customized solutions that cater to the unique financial needs of its clients.
How the Company Makes MoneyPrivate 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
Private Bancorp of America shows strong financial health with robust revenue growth and profitability. The balance sheet is stable with low leverage, and cash flow remains positive despite a decrease in free cash flow growth. Continuous monitoring of operational efficiencies is recommended.
Income Statement
85
Very Positive
Private Bancorp of America has demonstrated strong revenue growth, with a significant increase in Total Revenue from $85.4M in 2022 to $101.1M in 2023. The Gross Profit Margin and Net Profit Margin are robust at 129.2% and 40.1% respectively for 2023, indicating effective cost management and profitability. However, the EBITDA Margin is negative, suggesting potential issues in operational efficiency or extraordinary expenses impacting EBITDA.
Balance Sheet
78
Positive
The company's Balance Sheet reflects a solid Equity Ratio of 8.6% for 2023, showing a stable equity base. The Debt-to-Equity Ratio is low at 0.15, indicating low leverage and reduced financial risk. Return on Equity is impressive at 21.8%, showcasing effective utilization of equity. However, further improvement in the Equity Ratio could enhance financial stability.
Cash Flow
82
Very Positive
Private Bancorp of America has shown positive cash flow metrics with a Free Cash Flow to Net Income Ratio of 0.81, indicating strong cash generation relative to profits. The Free Cash Flow Growth Rate is negative, suggesting a decrease from the previous year, which could be a concern for future liquidity if the trend continues. Operating Cash Flow to Net Income is at 0.83, reflecting healthy cash conversion.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue161.24M101.08M85.36M70.13M55.39M
Gross Profit0.00130.58M85.36M70.13M55.39M
EBITDA50.53M-1.18M35.83M30.78M16.48M
Net Income35.54M40.56M24.71M21.03M10.89M
Balance Sheet
Total Assets2.43B2.16B1.85B1.52B1.33B
Cash, Cash Equivalents and Short-Term Investments0.00178.10M241.22M256.91M308.07M
Total Debt53.03M27.96M17.95M27.95M92.94M
Total Liabilities2.21B1.97B1.71B1.39B1.22B
Stockholders Equity223.53M185.78M143.32M128.36M107.75M
Cash Flow
Free Cash Flow35.85M32.69M47.03M7.47M47.23M
Operating Cash Flow37.36M33.52M47.40M8.03M47.52M
Investing Cash Flow-281.20M-241.65M-385.58M-302.78M-124.42M
Financing Cash Flow229.62M257.59M317.74M167.62M247.51M

Private Bancorp of America Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price57.64
Price Trends
50DMA
55.98
Positive
100DMA
55.01
Positive
200DMA
54.91
Positive
Market Momentum
MACD
0.47
Positive
RSI
51.22
Neutral
STOCH
9.37
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBAM, the sentiment is Neutral. The current price of 57.64 is below the 20-day moving average (MA) of 57.86, above the 50-day MA of 55.98, and above the 200-day MA of 54.91, indicating a neutral trend. The MACD of 0.47 indicates Positive momentum. The RSI at 51.22 is Neutral, neither overbought nor oversold. The STOCH value of 9.37 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PBAM.

Private Bancorp of America Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$287.42M10.669.74%6.09%8.59%14.56%
77
Outperform
$330.56M8.1618.23%19.90%-4.14%
75
Outperform
$289.58M6.1614.25%4.23%4.02%-0.62%
72
Outperform
$328.55M11.218.64%3.74%8.62%37.01%
72
Outperform
$361.07M9.5814.46%0.99%17.09%4.95%
69
Neutral
$338.91M19.723.42%17.80%86.24%
67
Neutral
$17.02B11.609.79%3.95%10.61%2.06%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PBAM
Private Bancorp of America
57.26
14.51
33.94%
CZNC
Citizens & Northern
18.39
0.97
5.57%
NECB
Northeast Community Bancorp
20.11
-0.19
-0.94%
FMAO
Farmers & Merchants Bancorp
23.67
0.50
2.16%
PDLB
Ponce Financial Group Inc
14.06
4.38
45.25%
SSBK
Southern States Bancshares
36.37
7.51
26.02%
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.Date of analysis: Jan 05, 2025