Private Bancorp of America (PBAM) AI Stock Analysis

• Market Cap: $344.02M
• Dividend Yield: N/A
• Average Volume (3M): 6.47K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 0.09
• Revenue Growth: 15.45%
• EPS Growth: 27.02%
• Country: US
• Employees: 12
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.77
• Shares Outstanding: 5,753,877
• 10 Day Avg. Volume: 6,282
• 30 Day Avg. Volume: 6,469
• 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: 0.64
• Enterprise Value/Revenue: 1.40
• Enterprise Value/Gross Profit: 1.90
• Enterprise Value/Ebitda: 3.76
• 1Y Price Target: $77.50
• Price Target Upside: 30.03% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 77 Outperform
• 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 Business Overview & Revenue Model

Company Description

Private 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 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

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

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

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

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.

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	40.96M	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: 59.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 59.6 is above the 20-day moving average (MA) of 59.16, above the 50-day MA of 58.03, and above the 200-day MA of 56.58, indicating a bullish trend. The MACD of 0.48 indicates Negative momentum. The RSI at 65.61 is Neutral, neither overbought nor oversold. The STOCH value of 69.10 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBAM	77 Outperform	$344.02M	8.49	18.23%	―	15.45%	27.02%
NECB	74 Outperform	$291.74M	6.20	14.25%	3.63%	4.02%	-0.62%
SFST	73 Outperform	$356.35M	16.02	6.58%	―	4.79%	58.67%
WTBA	72 Outperform	$337.63M	11.72	12.42%	5.02%	8.20%	33.81%
PDLB	70 Outperform	$349.94M	20.39	3.42%	―	17.80%	86.24%
RBB	68 Neutral	$314.14M	14.11	4.47%	3.53%	-0.13%	-32.16%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%