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Private Bancorp of America
(NASDAQ:PBAM)
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Rating:76Outperform
Price Target:
$93.00
▲(14.48% Upside)
Action:Reiterated
Date:07/30/26
Overall score reflects solid financial performance (accelerating revenue growth, strong margins, and sharply improved leverage) as the primary driver. Technicals are supportive with price above all major moving averages, while valuation appears reasonable on a low P/E. The Nasdaq uplisting is an additional positive catalyst, partially offset by financial data inconsistencies/volatility that temper confidence.
Positive Factors
Revenue & margin expansion
Sustained revenue acceleration and markedly higher net margins signal improving core banking economics and pricing power. Over a multi-quarter horizon this supports internal capital generation, reinvestment in lending and services, and greater ability to absorb credit losses without structural earnings impairment.
Negative Factors
Profitability inconsistencies
Intermediate-year accounting anomalies and volatile profit measures weaken confidence in the repeatability of earnings. For long-term planning, such irregularities complicate trend analysis and stress-testing, raising the probability that future earnings could diverge from headline margins.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & margin expansion
Sustained revenue acceleration and markedly higher net margins signal improving core banking economics and pricing power. Over a multi-quarter horizon this supports internal capital generation, reinvestment in lending and services, and greater ability to absorb credit losses without structural earnings impairment.
Read all positive factors
Private Bancorp of America (PBAM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$490.18M
Dividend YieldN/A
Average Volume (3M)5.41K
Price to Earnings (P/E)11.1
Beta (1Y)0.24
Revenue Growth3.55%
EPS Growth9.44%
CountryUS
Employees12
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.30
Shares Outstanding5,725,696
10 Day Avg. Volume5,495
30 Day Avg. Volume5,410
Financial Highlights & Ratios
PEG Ratio0.65
Price to Book (P/B)1.25
Price to Sales (P/S)1.92
P/FCF Ratio7.61
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$96.00Price Target Upside18.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)8.24
Revenue Forecast (FY)$140.34M
Private Bancorp of America Business Overview & Revenue Model
Company Description
Private Bancorp of America, Inc., acting as the parent company for CalPrivate Bank, offers a comprehensive range of financial products and services tailored for both individual and business customers throughout California. For personal banking nee...
How the Company Makes Money
PBAM primarily generated earnings through traditional banking activities conducted by its bank subsidiary. Key revenue streams included (1) net interest income: interest earned on loans and interest-bearing securities minus interest paid on deposi...
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 | 174.78M | 172.31M | 265.44M | 45.37M | 91.57M | 74.70M |
| Gross Profit | 122.69M | 119.22M | 104.21M | 74.87M | 83.19M | 67.42M |
| EBITDA | 59.69M | 58.94M | 52.29M | 58.20M | 35.83M | 30.78M |
| Net Income | 42.05M | 40.67M | 35.82M | 40.86M | 24.71M | 21.03M |
Balance Sheet | ||||||
| Total Assets | 2.69B | 2.54B | 2.43B | 2.16B | 1.85B | 1.52B |
| Cash, Cash Equivalents and Short-Term Investments | 272.92M | 363.96M | 309.11M | 280.60M | 241.22M | 256.91M |
| Total Debt | 25.98M | 28.98M | 53.03M | 125.38M | 17.95M | 27.95M |
| Total Liabilities | 2.42B | 2.27B | 2.21B | 1.97B | 1.71B | 1.39B |
| Stockholders Equity | 272.73M | 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 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $462.02M | 7.01 | 15.91% | 3.48% | -20.46% | -308.00% | |
77 Outperform | $485.30M | 12.05 | 13.90% | 0.60% | ― | ― | |
76 Outperform | $490.18M | 11.12 | 16.56% | ― | 3.55% | 9.44% | |
75 Outperform | $483.99M | 12.14 | 10.72% | 2.96% | 6.49% | 35.88% | |
72 Outperform | $476.30M | 11.05 | 9.57% | 1.67% | 4.37% | 12.24% | |
70 Outperform | $467.07M | 13.46 | 9.04% | 2.15% | 16.31% | 4.61% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
PBAM
Private Bancorp of America
86.60
29.31
51.16%
BMRC
Bank Of Marin Bancorp
28.52
6.12
27.33%
CBAN
Colony Bankcorp
22.21
5.99
36.96%
FRBA
First Bank
19.01
3.32
21.18%
FMAO
Farmers & Merchants Bancorp
35.33
11.03
45.40%
CBK
Commercial Bancgroup, Inc.
35.43
11.61
48.71%
Private Bancorp of America Corporate Events
Business Operations and StrategyDelistings and Listing ChangesFinancial DisclosuresRegulatory Filings and Compliance
Private Bancorp of America Uplists to Nasdaq Exchange
Positive
Jul 29, 2026
On July 29, 2026, Private Bancorp of America, Inc. announced that its Form 10 registration statement was declared effective by the U.S. Securities and Exchange Commission and that Nasdaq approved the listing of its common stock on the Nasdaq Globa...
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.