Private Bancorp of America (PBAM) AI Stock Analysis

• Market Cap: $309.56M
• Dividend Yield: N/A
• Average Volume (3M): 1.96K
• Price to Earnings (P/E): 8.2
• Beta (1Y): 0.14
• Revenue Growth: 19.90%
• EPS Growth: -4.14%
• Country: US
• Employees: 12
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 6.59
• Shares Outstanding: 5,753,877
• 10 Day Avg. Volume: 1,904
• 30 Day Avg. Volume: 1,958
• PEG Ratio: 0.41
• Price to Book (P/B): 1.26
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.83
• Enterprise Value/Market Cap: 0.20
• Enterprise Value/Revenue: 0.13
• Enterprise Value/Gross Profit: 0.45
• Enterprise Value/Ebitda: -40.19
• 1Y Price Target: $71.50
• Price Target Upside: 32.90% 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, 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

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
137.13M	161.24M	101.08M	85.36M	70.13M	55.39M
	Gross Profit
137.13M	0.00	130.58M	85.36M	70.13M	55.39M
	EBIT
35.25M	50.53M	58.30M	41.15M	29.86M	15.68M
	EBITDA
-508.50K	50.53M	-1.18M	35.83M	30.78M	16.48M
	Net Income Common Stockholders
32.00M	35.54M	40.56M	24.71M	21.03M	10.89M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
13.54M	0.00	178.10M	241.22M	256.91M	308.07M
	Total Assets
2.29B	2.43B	2.16B	1.85B	1.52B	1.33B
	Total Debt
65.97M	53.03M	27.96M	17.95M	27.95M	92.94M
	Net Debt
-96.51M	53.03M	-150.14M	-118.61M	-126.90M	-189.05M
	Total Liabilities
2.08B	2.21B	1.97B	1.71B	1.39B	1.22B
	Stockholders Equity
201.44M	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: Negative
• Last Price: 53.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PBAM, the sentiment is Negative. The current price of 53.8 is below the 20-day moving average (MA) of 54.72, below the 50-day MA of 54.16, and above the 200-day MA of 52.89, indicating a neutral trend. The MACD of -0.16 indicates Positive momentum. The RSI at 33.51 is Neutral, neither overbought nor oversold. The STOCH value of 7.70 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	$309.56M	8.16	17.83%	―	19.90%	-4.14%
CZNC	75 Outperform	$287.58M	10.65	9.83%	6.10%	1.17%	15.00%
NECB	75 Outperform	$316.93M	6.46	15.25%	3.54%	11.43%	10.33%
SSBK	72 Outperform	$340.92M	9.04	14.46%	1.05%	17.09%	4.95%
FMAO	70 Outperform	$328.14M	12.03	8.18%	3.70%	11.91%	25.60%
PDLB	68 Neutral	$316.60M	22.05	2.88%	―	20.07%	147.42%
Sector *	65 Neutral	$12.76B	9.91	7.89%	78.91%	12.06%	-7.95%