Private Bancorp of America, Inc. PBAM FINANCIAL
Company Overview
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, mobile deposit, money market, certificate of deposit, and retirement accounts; lending services, including commercial real estate loans, commercial and industrial loans, and government-guaranteed lending programs; ATM and debit cards, and credit cards; and safe deposit boxes. It also provides online business banking services, such as online tools, specialized features, deposit one remote deposit capture, bill pay, account reconciliation, ACH origination, and positive pay; and business solutions comprising zero balance accounts, sweep accounts, wire transfer services, cash vault services, business mobile deposit, business credit cards, merchant services, and funds management. In addition, the company offers legal services specialties, wealth management, and impact checking services. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.
Why Investors Should Care
Generates a return on equity of 16.8%, reflecting efficient use of shareholder capital.
Net profit has compounded at 18.1% per year over the last five years.
Revenue has grown at a 13.6% CAGR over the past five years.
Trades at a P/E of 11.8, below the sector median of 12.9.
Maintains a net profit margin of 35.3%.
Carries low leverage with a debt-to-equity ratio of 0.11.
Recent Developments
- Dec 2025 Revenue of $125.16M (+17.1% YoY); net profit $40.67M.
- Trailing 12 Months Year-on-year growth — revenue +13.7%, earnings +28.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 13.6%, profit CAGR 18.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 13.60% |
| 1 Year: | 13.70% |
Compounded Profit Growth
| 5 Years: | 18.07% |
| 1 Year: | 28.20% |
Stock Price Performance
| 1 Year: | +59.58% |
| 6 Months: | +34.06% |
| 3 Months: | +25.98% |
| 1 Month: | +6.00% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)88.34 · Overbought
P/E of 11.83 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 35.3%.
- Compounding revenue at 13.6% over 5 years.
- Profit CAGR of 18.1% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- RSI at 88 suggests overbought conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PBAM Private Bancorp of America, Inc. FINANCIAL | 90.96 | 11.83 | $520.81M | 0.00% | - | 16.83% | 13.60% | 18.07% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | 29.35M | 29.34M | 31.84M | 32.47M | 34.54M | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | 13.02M | 12.54M | 11.88M | 10.82M | 9.80M | - |
| Pretax Income | 15.15M | 14.99M | 14.86M | 14.18M | 16.84M | - |
| Tax Provision | 4.49M | 4.43M | 4.41M | 4.22M | 4.82M | - |
| Net Income | 10.66M | 10.56M | 10.45M | 9.95M | 12.03M | - |
| Diluted EPS | - | 1.80 | 1.77 | 1.71 | 2.07 | 2.27 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 85.36M | 95.24M | 106.90M | 125.16M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 6.21M | 35.34M | 54.34M | 47.15M |
| Pretax Income | - | 34.94M | 57.42M | 50.85M | 57.83M |
| Tax Provision | - | 10.23M | 16.56M | 15.02M | 17.17M |
| Net Income | - | 24.71M | 40.86M | 35.82M | 40.67M |
| Diluted EPS | - | 4.33 | 7.11 | 6.15 | 6.92 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 1.85B | 2.15B | 2.42B | 2.54B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 136.56M | 182.10M | 168.06M | 159.37M |
| Inventory | - | - | - | - | - |
| Receivables | - | 5.29M | 7.50M | 7.99M | 8.28M |
| Total Liabilities | - | 1.71B | 1.97B | 2.20B | 2.27B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 17.95M | 74.96M | 25.97M | 25.98M |
| Total Debt | - | 17.95M | 74.96M | 45.97M | 28.98M |
| Total Equity | - | 143.32M | 185.78M | 223.53M | 263.96M |
| Shares Outstanding | - | 5.60M | 5.72M | 5.77M | 5.73M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 41.17M | 33.52M | 37.73M | 47.20M |
| Investing Cash Flow | - | -379.35M | -241.65M | -281.57M | -122.66M |
| Financing Cash Flow | - | 317.74M | 257.59M | 229.62M | 66.60M |
| Capital Expenditure | - | -364.00K | -835.00K | -1.51M | -1.55M |
| Free Cash Flow | - | 40.80M | 32.69M | 36.22M | 45.64M |
| Net Change in Cash | - | -20.44M | 49.46M | -14.22M | -8.86M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 28.9% | 42.9% | 33.5% | 32.5% |
| ROE % | - | 17.2% | 22.0% | 16.0% | 15.4% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | BANC FUNDS CO LLC | 5.48% | 313.86K | $27.96M |
| 2 | Siena Capital Partners GP, LLC | 1.09% | 62.40K | $5.56M |
| 3 | Kennedy Capital Management, LLC | 0.33% | 18.86K | $1.68M |
| 4 | PL Capital Advisors, LLC | 0.12% | 7.00K | $623.56K |
| 5 | Emerald Mutual Fund Advisers Trust | 0.06% | 3.68K | $327.46K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PBAM
Private Bancorp (PBAM) Stock Forecast and Price Target 2026 - marketbeat.com
<a href="https://news.google.com/rss/articles/CBMiZkFVX3lxTE9BSEV5eWFNWnhGOUxpSGRtZFVHMUZaYWxVRm1VNEZWZUthUTR5X0JsNE9VM2FtOWh1OTRURmxLVTdmRGlIaXVoc1VpSWRXS29uQ29Eb2dfY3hBZUFlTGRhWDJNLXdaQQ?oc=5" target="_blank">Private Bancorp (PBAM) Stock …
CalPrivate Bank's New Credit Chief Brings Decades of Banking Experience - Stock Titan
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symbol__ Stock Quote Price and Forecast - CNN
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Private Bancorp of America Posts $13.1M Net Income for Q2 2026 (NASDAQ: PBAM) - Kalkine Media
<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxQM3ZFU0kwZzFtR3dLNmhsZVBZYTVFVk9EbWRSeUw0VE1YX0VXYXJRVE9EMTJEZDNTcUhRX3ptNTRaQWU3bzBSVU9MMXdfZTVId1EyNzR2Y21iNjNjMk5QNk9EbHNkT1pmeDZYWVhoMk9OR0pGZVFuYnY1VjFTbTJ1SkJIb3dIaEdzWE1FdG…
Here's Why Momentum in Private Bancorp of America (PBAM) Should Keep going - qz.com
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Private Bancorp of America Appoints New Chief Credit Officer - The Globe and Mail
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PBAM — Frequently Asked Questions
What is the current share price of Private Bancorp of America, Inc. (PBAM)?
As of 2026-09-19 21:16 PDT, Private Bancorp of America, Inc. (PBAM) trades at $90.96 on NasdaqGS. Its 52-week range is $54.99 to $90.96.
What is the market capitalisation of PBAM?
Private Bancorp of America, Inc. (PBAM) has a market capitalisation of $520.81M on NasdaqGS.
What is the P/E ratio of PBAM?
PBAM trades at a trailing price-to-earnings (P/E) ratio of 11.83. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.79.
What is the return on equity (ROE) of PBAM?
PBAM has a return on equity (ROE) of 16.83%.
Is PBAM a good stock to buy?
This page provides a data-driven analysis of Private Bancorp of America, Inc. (PBAM), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.