Private Bancorp of America, Inc. (PBAM) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Private Bancorp of America, Inc. (PBAM) trades at $87.20 with AI Score 53/100 (Grade B). Private Bancorp of America, Inc. Market cap: $499M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 15, 2026Analyst Coverage for PBAM: PBAM does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PBAM against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PBAM: 2/3 scored disciplines lean bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Private Bancorp of America, Inc. (PBAM) Financial Services Profile
Private Bancorp of America, operating as CalPrivate Bank, delivers personalized banking services in California, focusing on commercial real estate and business expansion loans. With a P/E ratio of 9.30 and a profit margin of 23.6%, the company competes with regional banks while navigating the evolving financial landscape.
What Is the Investment Thesis for PBAM?
Private Bancorp of America presents a focused investment opportunity within the California regional banking sector. The company's P/E ratio of 9.30 suggests a potentially undervalued position relative to its earnings, while a profit margin of 23.6% indicates efficient operations. Growth catalysts include expansion within California markets and strategic deployment of capital. Key risks include competition from larger regional and national banks, as well as potential impacts from economic fluctuations on loan portfolios. Investors should monitor the company's ability to maintain its profit margins and manage credit risk effectively. The absence of a dividend may deter some investors seeking income.
Based on FMP financials and quantitative analysis
PBAM Key Highlights
Market capitalization of $499M indicates its size within the regional banking sector.
- P/E ratio of 9.30 suggests a potentially attractive valuation compared to peers.
- Profit margin of 23.6% reflects efficient operations and profitability.
- Gross margin of 51.9% showcases the bank's ability to manage its cost of services effectively.
- Beta of 0.03 indicates low volatility compared to the overall market.
Who Are PBAM's Competitors?
PBAM is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ALPIB Alpine Banks of Colorado | $49.80 | +0.00% | $407M | 54 |
| CNND Canandaigua National Corporation | $225.00 | +0.00% | $412M | 44 |
| CSHX Cashmere Valley Bank | $92.00 | -2.13% | $341M | 57 |
| CYFL Century Financial Corporation | $49.50 | +1.02% | $322M | 53 |
| FFBB FFB Bancorp | $87.60 | +0.00% | $273M | 50 |
| OBT Orange County Bancorp, Inc. | $37.69 | -0.15% | $505M | 92 |
| PDLB Ponce Financial Group, Inc. | $20.31 | +0.94% | $491M | 92 |
| BWFG Bankwell Financial Group, Inc. | $66.06 | +0.64% | $527M | 93 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PBAM's Key Strengths?
Strong presence in key California markets.
- High profit margin of 23.6%.
- Focus on relationship-based banking.
- Expertise in commercial real estate lending.
What Are PBAM's Weaknesses?
Limited geographic diversification.
- Small number of employees (12).
- Dependence on the California economy.
- Lack of dividend may deter some investors.
What Could Drive PBAM Stock Higher?
Expansion of digital banking services to attract new customers and improve efficiency.
- Strategic deployment of capital to drive revenue growth and enhance shareholder value.
- Growth in commercial lending activities targeting small and medium-sized businesses.
- Enhancement of wealth management services to attract high-net-worth clients.
- Potential acquisitions of smaller banks or financial institutions in California.
What Are the Key Risks for PBAM?
Financial-distress signal — its Altman Z-Score of 0.50 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in California impacting loan portfolio quality.
- Increased competition from larger regional and national banks.
- Regulatory changes impacting the banking industry and compliance costs.
- Low trading volume and price volatility due to OTC market listing.
- Limited financial disclosure increasing information asymmetry.
What Are the Growth Opportunities for PBAM?
- Expansion within existing California markets: Private Bancorp of America can grow by increasing its market share in its current locations, such as La Jolla, San Diego, and Beverly Hills. This involves attracting new customers and expanding relationships with existing clients. The California banking market is substantial, with opportunities for growth in commercial lending and private banking services. Timeline: Ongoing.
- Strategic deployment of capital: The company can enhance shareholder value by strategically deploying its capital through investments in technology, acquisitions, or new branch locations. Prudent capital allocation can drive revenue growth and improve operational efficiency. The regional banking sector offers opportunities for consolidation and strategic partnerships. Timeline: Ongoing.
- Increased focus on digital banking solutions: Investing in and expanding digital banking platforms can attract tech-savvy customers and improve operational efficiency. This includes mobile banking, online account management, and digital loan applications. The fintech sector is rapidly evolving, and banks must adapt to remain competitive. Timeline: Ongoing.
- Expansion of commercial lending activities: Private Bancorp of America can grow its commercial loan portfolio by targeting small and medium-sized businesses in California. This includes offering commercial real estate loans, equipment financing, and working capital lines of credit. The demand for commercial loans is driven by economic growth and business investment. Timeline: Ongoing.
- Enhancement of wealth management services: Expanding wealth management services can generate additional revenue streams and attract high-net-worth clients. This includes offering financial planning, investment management, and trust services. The wealth management market is growing, driven by demographic trends and increasing affluence. Timeline: Ongoing.
What Are PBAM's Competitive Advantages?
- Established presence in the California banking market.
- Focus on relationship-based banking and personalized service.
- Expertise in commercial real estate lending.
- Strong understanding of the local market dynamics.
What Does PBAM Do?
Private Bancorp of America, Inc. was established in 2006 and functions as the bank holding company for CalPrivate Bank. The bank provides a suite of banking products and services tailored to individuals and businesses across California. Its personal banking offerings include checking and savings accounts, money market accounts, certificates of deposit, retirement accounts, and personal credit lines. Additional services encompass direct deposits, online banking, ATM/debit cards, credit cards, overdraft protection, and safe deposit boxes. For businesses, CalPrivate Bank provides business checking and savings accounts, sweep accounts, treasury management, merchant card services, bill pay, positive pay, e-statements, remote deposit capture, wire transfer services, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault services, and business credit cards. The bank also offers a variety of loan products, including commercial real estate loans, small business administration loans, construction loans, equipment and business expansion loans, working capital lines of credit, and letters of credit. CalPrivate Bank operates through offices located in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands, California. The company emphasizes personalized service and relationship-based banking to cater to its clientele.
What Products and Services Does PBAM Offer?
- Provides personal banking services including checking, savings, and money market accounts.
- Offers business banking services such as checking, savings, and treasury management.
- Provides commercial real estate loans to businesses.
- Offers small business administration (SBA) loans.
- Provides construction and equipment loans.
- Offers working capital lines of credit and letters of credit.
- Provides online and mobile banking services.
- Offers wealth management services to high-net-worth individuals.
How Does PBAM Make Money?
- Generates revenue through interest income from loans.
- Earns fees from banking services such as treasury management and merchant card services.
- Manages risk through credit analysis and loan diversification.
- Attracts deposits from individuals and businesses.
What Industry Does PBAM Operate In?
Private Bancorp of America operates within the competitive California regional banking market. The industry is characterized by established players and increasing competition from fintech companies. Key trends include the adoption of digital banking solutions and a focus on personalized customer service. The company's emphasis on commercial real estate and business lending positions it within a specific niche of the market. The regional banking sector is subject to regulatory oversight and economic cycles, impacting growth and profitability.
Who Are PBAM's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring banking and loan products.
- Commercial real estate developers.
- High-net-worth individuals seeking wealth management services.
Company Profile
Private Bancorp of America, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in La Jolla, US. The company is led by CEO Richard L. Sowers. PBAM has traded publicly since 2012.
Private Bancorp of America, Inc. Financial Trajectory
Private Bancorp of America, Inc. (PBAM) reported $44.4M in revenue for Q2 2026, reflecting 0.1% growth compared to the prior quarter. The company recorded net income of $13.1M, with diluted EPS of $2.27. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this small-cap Financial Services company. Across the four most recent quarters, PBAM averaged $1.92 in diluted EPS.
How Private Bancorp of America, Inc. Is Valued
Private Bancorp of America, Inc. carries a market capitalization of $499M, placing it in the small-cap category. Relative to its peer group, PBAM's quantitative score of 53/100 is roughly in line with the peer average of 52/100.
Key Financial Metrics
Return on equity for Private Bancorp of America, Inc. stands at 16.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.6%, showing how much profit it generates from its asset base. PBAM trades at a trailing price-to-earnings ratio of 10.28, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.7%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Private Bancorp of America, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.50 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Private Bancorp of America, Inc. has beaten Wall Street's EPS estimate in 6 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 8.1% above estimates on average.
Forward Outlook
Wall Street analysts project Private Bancorp of America, Inc. revenue of about $139.6M for fiscal 2026, with EPS near $8.49.
PBAM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in the growth potential.
- Community sentiment has turned more positive as discussions around the bank's strategic initiatives gain traction, reflecting optimism among investors.
- The financial sector shows signs of recovery, and as a regional bank, PBAM could benefit from a broader rebound in lending and consumer confidence.
- Recent developments in digital banking services position PBAM to attract younger customers, enhancing its market competitiveness.
Bear Case
- Concerns about rising interest rates could pressure profit margins for banks like PBAM, leading to cautious investor sentiment.
- Negative discussions on social platforms highlight worries about the bank's ability to compete with larger financial institutions, affecting community confidence.
- Increased regulatory scrutiny in the banking sector raises concerns about operational challenges and potential compliance costs for PBAM.
- Recent economic indicators suggest a slowdown, which could impact loan demand and overall bank profitability, leading to bearish outlooks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $44M | $13M | $2.27 |
| Q1 2026 | $44M | $12M | $2.07 |
| Q4 2025 | $43M | $10M | $1.71 |
| Q3 2025 | $43M | $10M | $1.65 |
Based on FMP financials and quantitative analysis
PBAM Latest News
No recent news available for PBAM.
PBAM Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PBAM.
Price Targets
Wall Street price target analysis for PBAM.
PBAM MoonshotScore
What does this score mean?
The MoonshotScore rates PBAM 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Latest Private Bancorp of America, Inc. Analysis
Leadership: Richard L. Sowers
Unknown
Information on Richard L. Sowers's background is not available in the provided context. Further research would be needed to determine his career history, education, and previous roles.
Track Record: Information on Richard L. Sowers's track record is not available in the provided context. Further research would be needed to determine his key achievements, strategic decisions, and company milestones under his leadership.
PBAM OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Private Bancorp of America, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not provide regular financial reporting, unlike companies listed on major exchanges like the NYSE or NASDAQ, which have stringent listing requirements and reporting obligations.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Low trading volume can lead to price volatility.
- Higher potential for fraud and manipulation compared to listed exchanges.
- OTC Other companies may have limited operating history or financial resources.
- Regulatory oversight is less stringent compared to listed exchanges.
- Verify the company's registration and legal status.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their experience.
- Understand the company's capital structure and ownership.
- Monitor trading volume and price activity.
- Consult with a qualified financial advisor.
- Established banking operations through CalPrivate Bank.
- Offices in multiple California locations.
- Provision of a range of banking products and services.
- Focus on commercial real estate lending.
- Operating since 2006.
Common Questions About PBAM (Financial Services)
What does the AI Score mean for PBAM?
PBAM holds an AI Score of 53/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Private Bancorp of America, Inc., through its subsidiary CalPrivate Bank, provides banking products and services to individuals and businesses in California. The company focuses …
What does Private Bancorp of America, Inc. do?
Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank, providing a range of banking products and services to individuals and businesses in California. These services include personal and business banking accounts, various loan products such as commercial real estate and SBA loans, and treasury management services.
What are the main risks for PBAM?
The main risks for Private Bancorp of America, Inc. include potential economic downturns in California, which could impact loan portfolio quality and increase credit losses. The company also faces competition from larger regional and national banks with greater resources and broader service offerings. Regulatory changes and compliance costs pose additional challenges.
What are the key factors to evaluate for PBAM?
Private Bancorp of America, Inc. (PBAM) holds an AI score of 53/100 (moderate). Private Bancorp of America presents a focused investment opportunity within the California regional banking sector. Not financial advice.
How frequently does PBAM data refresh on this page?
PBAM's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PBAM's recent stock price performance?
Private Bancorp of America, Inc. (PBAM) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in key California markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PBAM overvalued or undervalued right now?
Private Bancorp of America, Inc. (PBAM) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research PBAM before investing?
Before investing in Private Bancorp of America, Inc. (PBAM), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding PBAM to a portfolio?
Key strength of Private Bancorp of America, Inc. (PBAM): Strong presence in key California markets. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information on CEO background and track record is limited.
- AI analysis is pending, so analyst consensus is not available.
- OTC market data may be less reliable than listed exchange data.