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PBAM

Strong BuyPremium GrowerFLAG

Private Bancorp of America, Inc. · Financial Services · United States · $508M · Avg Vol: $6M/d

89
StockRank
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Q
70
V
42
M
78
P/E (TTM)
11.7x
ROE
16.8%
D/E
0.1x
Dividend %
—
Dir. Trades · 180d
None →
Buybacks · 180d
None →
AI CONVICTION THESIS

Insufficient evidence for a screen-pass. Private Bancorp of America, Inc.: fails the quant gate on value (Q70/V42/M78; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

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.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue85.4M95.2M106.9M125.2M13.6%126.9M139.7M149.1M9.1%
EPS4.417.186.247.0316.8%7.698.628.8212.0%
Shares5.6M5.7M5.8M5.7M+2.3%5.7M———
Debt18.0M75.0M46.0M29.0M17.3%26.0M———
Equity143.3M185.8M223.5M264.0M22.6%————
Op CF41.2M33.5M37.7M47.2M4.7%47.2M———
Inv CF-379.4M-241.7M-281.6M-122.7M—————
Fin CF317.7M257.6M229.6M66.6M—————
Loading 1Y...
PRICE (1Y)+8.0%
84.1085.8187.5389.2490.96Jul 31Aug 21Sep 11
SMA 50SMA 200

Close
$90.85
RSI (14)
81.9
52W High
$92.09
From 52W High
1.0%

SCORE BREAKDOWN

Quality
70
ROIC (ROA)
1.7%*52.6
ROE
16.8%77.9
GP/Assets
5.0%N/A
Op. Margin
51.5%71.7
FCF/Assets
1.8%N/A
Piotroski
797.1
Int. Cover
—50.0
D/E Ratio
0.11xN/A
Current Ratio
bankN/A
Value
42
P/E (TTM)
11.7x57.6
EV/EBITDA
bankN/A
P/FCF
11.1xN/A
P/B
1.8x30.0
P/S
4.1x43.9
Div Yield
—N/A
Momentum
78
52W High %
99%94.0
RS 6M
23%87.0
SMA 50/200
1.19x91.7
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+13%39.3
Q Growth
26%57.8

FUNDAMENTALS

Market Cap
$508M
P/E (Forward)
10.4x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PBAM are excluded.

TickerCompanyMkt CapStockRankSignal
PBAMPrivate Bancorp of America, Inc.(you)$508M89Strong Buy
FNLCThe First Bancorp, Inc.$392M89Strong Buy
CZFSCitizens Financial Services, Inc.$390M90Strong Buy
FMAOFarmers & Merchants Bancorp, Inc.$472M84Strong Buy
FBIZFirst Business Financial Services, Inc.$593M83Strong Buy
GCBCGreene County Bancorp, Inc.$594M83Strong Buy
FRSTPrimis Financial Corp.$397M84Strong Buy
CARECarter Bankshares, Inc.$729M92Strong Buy
FDBCFidelity D & D Bancorp, Inc.$312M90Strong Buy
PKBKParke Bancorp, Inc.$400M96Strong Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Private Bancorp of America, Inc. (PBAM): Stock Score Summary

Private Bancorp of America, Inc. (PBAM) has a MoatMap StockRank of 89/100 based on Quality (70/100), Value (42/100), and Momentum (78/100) factor scores. The current signal is STRONG BUY. Insufficient evidence for a screen-pass. Private Bancorp of America, Inc.: fails the quant gate on value (Q70/V42/M78; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.

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.

Key Financial Metrics

Price$90.85
Market Cap$508M
P/E (TTM)11.72
P/E (Forward)10.38
Price/Book1.81
Return on Equity16.8%
Debt/Equity0.11x
Operating Margin51.5%
Revenue Growth13.7%
Free Cash Flow$46M

Private Bancorp of America, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Private Bancorp of America, Inc.’s (PBAM) StockRank?
MoatMap’s StockRank for Private Bancorp of America, Inc. (PBAM) is 89/100, with a Strong Buy signal. It is a composite of Quality (70), Value (42), and Momentum (78) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Private Bancorp of America, Inc. have an economic moat?
Private Bancorp of America, Inc. (PBAM) has a Quality factor score of 70/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Private Bancorp of America, Inc. a buy, hold, or sell?
MoatMap’s current signal for Private Bancorp of America, Inc. (PBAM) is Strong Buy, based on a StockRank of 89/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Private Bancorp of America, Inc. in?
Private Bancorp of America, Inc. (PBAM) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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