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Private Bancorp of America
(NASDAQ:PBAM)
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Rating:71Outperform
Price Target:
$93.00
▲(5.07% Upside)
Action:Reiterated
Date:10/16/26
PBAM’s score is primarily supported by solid financial performance (strong recent growth/profitability and improved leverage) and a relatively low P/E valuation. These positives are tempered by weaker near-term technicals (bearish momentum despite oversold readings) and noted volatility/quality concerns in cash flow coverage and intermediate-year profitability consistency.
Positive Factors
Loan, deposit and margin growth
Growing loans and core deposits indicate continued customer activity across both sides of the balance sheet. Combined with a 5.05% net interest margin and 16.3% growth in net interest income, this supports durable earnings generation if relationship expansion continues.
Negative Factors
Rising criticized assets
Higher criticized assets signal emerging pressure in loan credit quality and could require additional monitoring, reserves or provisions. Although management believes reserves are adequate, further deterioration would weigh on earnings and reduce the benefit of strong lending growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Loan, deposit and margin growth
Growing loans and core deposits indicate continued customer activity across both sides of the balance sheet. Combined with a 5.05% net interest margin and 16.3% growth in net interest income, this supports durable earnings generation if relationship expansion continues.
Read all positive factors
Private Bancorp of America (PBAM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$490.70M
Dividend YieldN/A
Average Volume (3M)148.82K
Price to Earnings (P/E)10.6
Beta (1Y)0.27
Revenue Growth3.88%
EPS Growth13.49%
CountryUS
Employees12
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)7.79
Shares Outstanding5,729,788
10 Day Avg. Volume120,046
30 Day Avg. Volume148,824
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 Cap0.57
Enterprise Value/Revenue1.60
Enterprise Value/Gross Profit2.21
Enterprise Value/Ebitda4.47
Forecast
1Y Price Target
$103.00Price Target Upside16.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)8.54
Revenue Forecast (FY)$140.58M
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 | 175.44M | 172.31M | 265.44M | 45.37M | 91.57M | 74.70M |
| Gross Profit | 126.89M | 119.22M | 104.21M | 74.87M | 83.19M | 67.42M |
| EBITDA | 62.71M | 58.94M | 52.29M | 58.20M | 35.83M | 30.78M |
| Net Income | 44.72M | 40.67M | 35.82M | 40.86M | 24.71M | 21.03M |
Balance Sheet | ||||||
| Total Assets | 2.71B | 2.54B | 2.43B | 2.16B | 1.85B | 1.52B |
| Cash, Cash Equivalents and Short-Term Investments | 278.08M | 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 | 285.52M | 263.96M | 223.53M | 185.78M | 143.32M | 128.36M |
Cash Flow | ||||||
| Free Cash Flow | 26.34M | 43.38M | 35.85M | 32.69M | 47.03M | 7.47M |
| Operating Cash Flow | 26.55M | 44.93M | 37.36M | 33.52M | 47.40M | 8.03M |
| Investing Cash Flow | -32.28M | -120.39M | -281.20M | -241.65M | -385.58M | -302.78M |
| Financing Cash Flow | 151.08M | 66.60M | 229.62M | 257.59M | 317.74M | 167.62M |
Private Bancorp of America Technical Analysis
Positive
88.51
Price Trends
87.38
Negative
82.52
Positive
74.97
Positive
Market Momentum
-0.72
Negative
51.40
Neutral
67.56
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 88.51 is above the 20-day moving average (MA) of 85.36, above the 50-day MA of 87.38, and above the 200-day MA of 74.97, indicating a neutral trend. The MACD of -0.72 indicates Negative momentum. The RSI at 51.40 is Neutral, neither overbought nor oversold. The STOCH value of 67.56 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $429.26M | 10.64 | 13.90% | 1.02% | ― | ― | |
75 Outperform | $431.41M | 6.55 | 15.91% | 3.75% | -20.46% | -308.00% | |
75 Outperform | $484.82M | 12.10 | 10.72% | 2.67% | 6.49% | 35.88% | |
73 Outperform | $440.13M | 10.34 | 9.57% | 1.86% | 4.37% | 12.24% | |
71 Outperform | $490.70M | 10.62 | 16.71% | ― | 3.88% | 13.49% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $423.99M | 12.00 | 9.04% | 2.40% | 16.31% | 4.61% |
* Financial Sector Average
PBAM
Private Bancorp of America
86.79
29.79
52.26%
BMRC
Bank Of Marin Bancorp
27.34
4.70
20.76%
CBAN
Colony Bankcorp
20.25
4.34
27.24%
FRBA
First Bank
18.55
3.20
20.82%
FMAO
Farmers & Merchants Bancorp
35.89
12.47
53.22%
CBK
Commercial Bancgroup, Inc.
32.17
7.45
30.14%
Private Bancorp of America Corporate Events
Business Operations and StrategyDelistings and Listing ChangesFinancial Disclosures
Private Bancorp of America Reports Strong Q3 2026 Results
Positive
Oct 16, 2026
Private Bancorp of America reported unaudited net income of $11.4 million, or $1.97 per diluted share, for the third quarter ended September 30, 2026, down from the prior quarter but up from the same period in 2025. The bank delivered a strong 5.0...
Business Operations and StrategyExecutive/Board Changes
Private Bancorp of America Strengthens CFO Employment Agreement
Positive
Sep 11, 2026
On September 10, 2026, Private Bancorp of America announced that Executive Vice President and Chief Financial Officer Cory Stewart entered into a three‑year employment agreement with CalPrivate Bank, effective September 5, 2026. The contract...
Business Operations and StrategyExecutive/Board Changes
Private Bancorp of America Appoints New Chief Credit Officer
Positive
Aug 17, 2026
On August 17, 2026, Private Bancorp of America, Inc., the holding company for CalPrivate Bank, announced the appointment of Andra Frazier as the bank’s Executive Vice President and Chief Credit Officer. The move places Frazier in a key leade...
Business Operations and StrategyRegulatory Filings and Compliance
Private Bancorp of America Releases Investor Presentation
Neutral
Aug 11, 2026
Private Bancorp of America, Inc. has prepared an investor presentation that management will use in discussions with investors, analysts and other interested parties, and has furnished this material as part of a current Form 8-K filing. The present...
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.