PBAM
Premium GrowerAI neutralPrivate Bancorp of America, Inc. · Financial Services · United States · $492M cap · $8.4M/day traded
$86.95 +1.7% · close 12 Nov · scored 13 Nov
Score up 1.5 since 12 Nov.
Premium Grower: Strong business with the market behind it, priced at a premium.
As of 13 Nov 2026, the MoatMap Score for Private Bancorp of America, Inc. (PBAM) is 86/100, ranked against 25,000+ stocks in 38 markets (Quality 71, Value 44, Momentum 71, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
Private Bancorp of America (CalPrivate Bank) is a small Southern California business bank that has grown quickly and recently appointed a new chief credit officer. Higher rates can support its lending margins, but it is a small regional bank with concentrated exposure to California commercial real estate and business lending, and there is limited information on its loan book.
ABOUT PRIVATE BANCORP OF AMERICA, INC.
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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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 85.4M | 95.2M | 106.9M | 125.2M | 13.6% | 131.5M | 140.6M | 151.4M | 10.0% |
| EPS | 4.41 | 7.18 | 6.24 | 7.03 | 16.8% | 8.02 | 8.65 | 9.03 | 13.3% |
| Shares | 5.6M | 5.7M | 5.8M | 5.7M | +2.3% | 5.7M | — | — | — |
| Debt | 18.0M | 75.0M | 46.0M | 29.0M | 17.3% | 26.0M | — | — | — |
| Equity | 143.3M | 185.8M | 223.5M | 264.0M | 22.6% | — | — | — | — |
| Op CF | 41.2M | 33.5M | 37.7M | 47.2M | 4.7% | 47.2M | — | — | — |
| Inv CF | -379.4M | -241.7M | -281.6M | -122.7M | — | — | — | — | — |
| Fin CF | 317.7M | 257.6M | 229.6M | 66.6M | — | — | — | — | — |
Above its 200-day average and 6% below its 52-week high.
Calmer than 96% of stocks we rank over the past year (volatility 15% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend (this stock): It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PBAM are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| PBAM | Private Bancorp of America, Inc.(you) | $492M | 86 |
| FMAO | Farmers & Merchants Bancorp, Inc. | $503M | 86 |
| COFS | ChoiceOne Financial Services, Inc. | $512M | 82 |
| PDLB | Ponce Financial Group, Inc. | $499M | 81 |
| CIVB | Civista Bancshares, Inc. | $586M | 84 |
| CHMG | Chemung Financial Corporation | $404M | 84 |
| WCCB | West Coast Community Bancorp | $648M | 86 |
| PCB | PCB Bancorp | $402M | 84 |
| GCBC | Greene County Bancorp, Inc. | $606M | 83 |
| CZFS | Citizens Financial Services, Inc. | $407M | 83 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.