How does PBAM's PE Ratio compare to its peers?

PBAM is good value based on its Price-To-Earnings Ratio (9.6x) compared to the peer average (9.8x).

How does PBAM's PE Ratio compare vs other companies in the US Banks Industry?

PBAM is good value based on its Price-To-Earnings Ratio (9.6x) compared to the US Banks industry average (12.6x).

What is PBAM's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PBAM is good value based on its Price-To-Earnings Ratio (9.6x) compared to the estimated Fair Price-To-Earnings Ratio (12.6x).

What is the Fair Price of PBAM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

PBAM ($59.25) is trading below our estimate of [[fair value]] ($255.97)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

PBAM Stock Overview

Operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California. More details

PBAM fundamental analysis
Snowflake Score
Valuation	6/6
Future Growth	2/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 76.9% below our estimate of its fair value

Earnings are forecast to grow 9.82% per year

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 24.3%

Risk Analysis

No risks detected for PBAM from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Private Bancorp of America, Inc. Competitors

Southern States Bancshares

NasdaqGS:SSBK

US$342.5m

Civista Bancshares

NasdaqCM:CIVB

US$335.2m

First Bank

NasdaqGM:FRBA

US$350.0m

Orange County Bancorp

NasdaqCM:OBT

US$303.2m

Price History & Performance

Summary of share price highs, lows and changes for Private Bancorp of America
Historical stock prices
Current Share Price	US$59.25
52 Week High	US$60.00
52 Week Low	US$32.37
Beta	0.49
1 Month Change	3.95%
3 Month Change	20.92%
1 Year Change	68.09%
3 Year Change	97.50%
5 Year Change	182.14%
Change since IPO	558.33%

Recent updates

Shareholder Returns

	PBAM	US Banks	US Market
7D	4.9%	5.1%	3.8%
1Y	68.1%	39.7%	24.4%

Return vs Industry: PBAM exceeded the US Banks industry which returned 39.7% over the past year.

Return vs Market: PBAM exceeded the US Market which returned 24.4% over the past year.

Price Volatility

Is PBAM's price volatile compared to industry and market?
PBAM volatility
PBAM Average Weekly Movement	2.5%
Banks Industry Average Movement	5.2%
Market Average Movement	6.5%
10% most volatile stocks in US Market	18.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: PBAM has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: PBAM's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Rick Sowers	www.calprivate.bank

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 offers checking and savings, money market, certificate of deposit, sweep, zero balance, and individual retirement accounts; unsecured lines of credit, personal credit lines, and term loans; additional services, such as direct deposits, online banking, ATM and debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. It also provides treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, ACH origination, wire transfer, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services.

Private Bancorp of America, Inc. Fundamentals Summary

How do Private Bancorp of America's earnings and revenue compare to its market cap?
PBAM fundamental statistics
Market cap	US$340.24m
Earnings (TTM)	US$35.54m
Revenue (TTM)	US$104.21m

9.6x

P/E Ratio

1.5x

P/B Ratio

Is PBAM overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PBAM income statement (TTM)
Revenue	US$104.21m
Cost of Revenue	US$0
Gross Profit	US$104.21m
Other Expenses	US$68.67m
Earnings	US$35.54m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	6.16
Gross Margin	100.00%
Net Profit Margin	34.11%
Debt/Equity Ratio	20.6%

How did PBAM perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/22 00:03
End of Day Share Price	2025/01/22 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Private Bancorp of America, Inc. is covered by 5 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Gary Tenner	D.A. Davidson & Co.
null null	D.A. Davidson & Co.
Matthew Clark	Piper Sandler Companies

Private Bancorp of America OTCPK:PBAM Stock Report