OakChart

Private Bancorp of America Inc

PBAMFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 11:29 AM ET

87.16+0.68 (0.79%)
2026-11-11 17:32 CET
Market cap
495.51 USD m
Revenue, TTM
- USD m
Net income, TTM
46.24 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
8.01
P/E
10.88
Compare

Price

PBAM against its 20, 50 and 200-day averages
2050200beatmiss
60.0070.0080.0090.00224K448KApr 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26PBAMclose 87.1620-day 85.4750-day 86.83200-day 76.4287.1652w high

5.4% under the 52-week high of 92.09 on 10 Sep 2026. 52-week low 55.12 on 19 Nov 2025. Last 15 sessions, 6.6% high to low

Profile

PBAM
52-week range, 87% of the way up
55.1292.09

Private Bancorp of America, Inc. is a holding company, which engages in the provision of banking solutions. Through its bank subsidiary, it provides deposit and loan services. It also specializes in making loans on commercial real estate, as well as small to mid-sized business loans. It operates through the following segments: Real Estate, Commercial, Small Business Administration (SBA), and Consumer. The company was founded on August 2015 and is headquartered in La Jolla, CA.

IPOJan 05, 2012
Beta0.06
ATR, 14d1.81
Rel volume0.38
Short float4.62%
Insider own29.96%
Inst own21.49%

Snapshot

6 groups

Valuation

Index-
Market Cap499.41M
Enterprise Value-
Income46.24M
Sales178.04M
Book/sh50.85
Cash/sh-
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees-
IPOJan 05, 2012

Ratios

P/E10.88
Forward P/E9.80
PEG0.83
P/S2.81
P/B1.71
P/C-
P/FCF-
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.27
Debt/Eq0.09
LT Debt/Eq0.09
Option/ShortNo / Yes

Earnings

EPS (ttm)8.01
EPS next Y8.89
EPS next Q2.10
EPS this Y23.45%
EPS next Y4.07%
EPS next 5Y11.79%
EPS past 3/5Y16.89% 29.01%
Sales past 3/5Y23.46% 22.57%
EPS Y/Y TTM13.49%
Sales Y/Y TTM3.88%
EPS Q/Q19.51%
Sales Q/Q6.01%
EarningsOct 16 BMO
EPS/Sales Surpr.-4.83% 1.39%

Ownership

Insider Own29.96%
Insider Trans0.00%
Inst Own21.49%
Inst Trans60.71%
ROA1.74%
ROE16.84%
ROIC14.57%
Gross Margin-
Oper. Margin36.41%
Profit Margin25.97%
SMA201.98%
SMA500.38%
SMA20014.05%
Trades-

Technical

Shs Outstand5.73M
Shs Float4.01M
Short Float4.62%
Short Ratio1.77
Short Interest0.19M
52W High92.09 -5.35%
52W Low55.12 58.13%
Volatility2.76% 2.15%
ATR (14)1.81
RSI (14)56.34
Beta0.06
Rel Volume0.38
Avg Volume104.85K
Volume13,857

Performance

Perf Week-0.31%
Perf Month2.18%
Perf Quarter0.65%
Perf Half Y18.09%
Perf YTD51.50%
Perf Year53.45%
Perf 3Y168.35%
Perf 5Y227.05%
Perf 10Y412.71%
Recom1.00
Target Price99.75
Prev Close86.48
Price87.16
Change %0.79%

Peers

Mkt cap
TickerCompanyMkt cap
BCALCalifornia Bancorp699.65M
AVBHAvidbank Holdings Inc380.24M
BMRCBank of Marin Bancorp464.60M
FSBCFive Star Bancorp1.08B
CWBCCommunity West Bancshares705.18M
BSRRSierra Bancorp541.73M
BCMLBayCom Corp341.79M
RCBCRiver City Bank830.12M
PLBCPlumas Bancorp434.85M
CVBFCVB Financial Corp3.96B

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VXFVanguard Extended Market Index ETFAUM: 30.47B

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-161.9702.0701.97035.5635.074
2026Q22026-07-162.2702.0082.26734.5534.474
2026Q4--2.100--35.934
2027Q1--2.105--36.034
2027Q2--2.205--37.324
2027Q3--2.273--38.584
2027Q4--2.305--39.404
2028Q1--2.250--38.902
2028Q2--2.360--40.302
2028Q3--2.430--41.702
2028Q4--2.455--42.402

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2025FY6.9206.9976.920125.16125.24
2026FY-8.543--140.58
2027FY-8.890--151.4
2028FY-9.667--167.02

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-1931035.9335.6036.39
2026Q4S2026-10-1631035.9435.6036.39
2026Q4S2026-09-3031035.6235.5635.70
2026Q4S2026-09-2132135.6235.5635.70
2026Q4S2026-07-1731235.5035.2035.70
2026Q4S2026-07-1630035.8635.1036.60
2026Q4S2026-07-0130035.8635.1036.60
2026Q4S2026-06-2233035.8635.1036.60
2026Q4S2026-04-1733035.8135.1036.45
2026Q4S2026-04-0130134.7534.4035.05
2026Q4S2026-01-1630334.9434.4035.58
2026Q4S2026-01-0430035.9834.9036.95
2026Q4S2025-12-3130135.9834.9036.95
2026Q4S2025-12-0830235.9834.9036.95

Estimate history

EPS, annual0.7130.813-0.081.9383.6944.3367.116.1476.9248.0123
Period201720182019202020212022202320242025TTM
EPS, quarterly1.6251.8191.7991.7751.6481.7072.0682.2671.97
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual25.91435.98652.99162.27674.70391.572130.584161.238172.31178.04
Period201720182019202020212022202320242025TTM
Sales, quarterly41.45242.37641.88143.71843.42643.28544.34844.37646.035
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual5.0085.0935.5785.6015.6285.5995.7195.7675.7285.73
Period201720182019202020212022202320242025MRQ
Shares, quarterly5.7565.7675.7895.8055.8035.7285.7155.7265.73
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income172.26165.38154.89125.6684.5363.3757.1550.1833.62
Total Interest Expense40.9347.1554.3435.346.214.576.898.414.37
Net Interest Income131.33118.23100.5590.3278.3258.7950.2741.7629.25
Loan Loss Provision5.635.942.69-6.152.182.715.6711.831.73
Net Interest Income After Loan Loss Provision125.70112.2997.8696.4776.1556.0844.6029.9327.52
Non-Interest Income5.786.936.344.927.0411.345.122.812.36
Non-Interest Expense66.6561.3853.6844.0648.2737.5534.0433.3324.03
Operating Income64.8357.8350.5357.3334.9129.8615.68-0.595.85
Unusual Expense-0.000.000.000.000.000.000.000.00
Net Income Before Taxes64.8357.8350.5357.3334.9129.8615.68-0.595.85
Income Taxes18.3217.1714.7116.4710.218.834.78-0.161.71
Consolidated Net Income46.2440.3335.5440.5624.5120.7510.71-0.424.05
Net Income From Continuing Operations46.2440.3335.5440.5624.5120.7510.71-0.424.05
Net Income46.2440.3335.5440.5624.5120.7510.71-0.424.05
EPS (Recurring)8.036.926.157.114.343.691.94-0.080.80
EPS (Basic, Before Extraordinaries)8.117.036.247.184.413.751.95-0.080.83
EPS (Diluted)8.016.926.157.114.343.691.94-0.080.81
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.27-0.33-0.28-0.29-0.20-0.28-0.180.01-0.08
Stock Option Compensation Expense-1.551.891.171.010.890.830.840.73
Price To Earnings Ratio10.7910.7910.144.977.538.3412.23-28.72
Price To Sales Ratio2.751.942.071.532.002.031.622.223.25
Operating Margin36.4133.5631.3443.9038.1339.9825.17-1.1016.25
Net Margin25.9723.4122.0431.0626.7627.7717.20-0.7911.26
Shares Outstanding5.735.735.775.725.605.635.605.585.09
Market Capitalization495.51495.51332.23196.96182.28134.4692.30111.01116.88

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income44.6043.3842.4141.8741.2541.9940.2740.43
Total Interest Expense10.479.839.8010.8211.9211.8812.5413.02
Net Interest Income34.1233.5532.6131.0529.3330.1127.7327.41
Loan Loss Provision1.26-0.202.022.561.791.290.300.02
Net Interest Income After Loan Loss Provision32.8633.7530.5928.5027.5428.8227.4327.39
Non-Interest Income1.441.001.941.412.171.731.611.95
Non-Interest Expense18.3816.8615.6815.7315.9015.6914.0514.19
Operating Income15.9217.8916.8414.1813.8114.8614.9915.15
Unusual Expense-0.000.000.000.000.000.00-
Net Income Before Taxes15.9217.8916.8414.1813.8114.8614.9915.15
Income Taxes4.514.774.824.224.114.414.434.49
Consolidated Net Income11.3313.0211.949.959.6210.3610.4810.66
Net Income From Continuing Operations11.3313.0211.949.959.6210.3610.4810.66
Net Income11.3313.0211.949.959.6210.3610.4810.66
EPS (Recurring)1.972.272.071.711.651.771.801.82
EPS (Basic, Before Extraordinaries)1.992.292.101.731.671.801.831.85
EPS (Diluted)1.972.272.071.711.651.771.801.82
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-0.08-0.10-0.090.00-0.08-0.09-0.080.00
Price To Earnings Ratio10.7910.289.818.178.418.238.9310.14
Price To Sales Ratio2.752.422.251.932.011.871.932.08
Operating Margin34.5940.3137.9832.7531.7933.9935.7935.74
Net Margin24.6029.3426.9323.0022.1623.7025.0325.15
Shares Outstanding5.735.735.725.735.805.815.795.77
Market Capitalization495.51425.79391.21331.02339.77311.98315.95332.23

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks141.49153.46138.4398.23109.42268.92104.3743.10102.53
Investments254.40177.84160.91161.16177.1153.4462.24104.2366.86
Net Loans2,096.822,057.881,822.681,569.101,207.18984.61876.96688.28492.63
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets8.57--------
Net Property, Plant & Equipment9.139.154.805.016.059.249.662.221.53
Interest Receivables8.287.997.505.290.000.000.000.000.00
Deferred Tax Assets10.5118.8216.6815.409.859.507.004.844.16
Other Intangible Assets5.854.875.353.699.967.558.624.923.82
Total Assets2,535.062,430.022,156.361,857.871,519.581,333.261,068.85847.59671.53
Total Deposits2,223.882,134.461,875.371,675.121,345.661,112.95850.26696.46531.19
Total Debt35.6753.0378.3821.9432.7998.93114.8962.9157.90
Long Term Debt33.7334.0229.769.8720.7767.0077.9047.9137.90
Provision for Risks Charges0.701.501.700.000.000.000.000.000.00
Deferred Tax Liabilities-6.013.892.992.493.522.860.430.28
Other Liabilities10.8411.4911.2314.4910.2610.115.174.242.64
Total Liabilities2,271.092,206.481,970.581,714.551,391.211,225.50973.17764.04592.01
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity263.96223.53185.78143.32128.36107.7595.6883.5579.52
Total Shareholders Equity263.96223.53185.78143.32128.36107.7595.6883.5579.52
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity263.96223.53185.78143.32128.36107.7595.6883.5579.52
Total Liabilities & Stockholders Equity2,535.062,430.022,156.361,857.871,519.581,333.261,068.85847.59671.53
Book Value Per Share46.0838.7632.4825.6022.8119.2417.1516.4115.88
Tangible Book Value Per Share46.0838.7632.4825.6022.8119.2417.1516.4115.88
Tier 1 Capital280.69244.93207.55167.29140.22119.92108.1988.1381.64
Tier 2 Capital27.8727.1423.5720.7215.1111.769.056.464.66
Full-Time Employees--207189-----
Price to Book Ratio1.701.551.141.341.240.921.191.401.60
Return on Assets1.621.552.021.451.450.89-0.040.530.56
Return on Equity16.5517.3724.6518.0417.5710.53-0.474.974.91
Return on Invested Capital13.5513.8018.8216.0013.916.13-0.243.082.89
Current Ratio0.210.190.210.180.220.500.271.272.86

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations-46.1636.8532.5125.2614.8913.2511.216.22
Extraordinary Item-0.000.000.000.000.000.000.000.00
Changes in Working Capital--1.230.51-5.991.350.864.97-2.300.68
Cash from Operating Activities-44.9337.3626.5126.6115.7518.228.916.90
Capital Expenditures--1.55-1.51-0.83-0.36-0.56-0.29-1.61-1.32
Net Assets From Acquisitions-0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses-0.000.000.000.000.000.000.000.07
Purchase or Sale of Investments--68.86-44.253.38-17.36-76.6326.1149.86-38.87
Purchase of Investments--118.52-71.98-15.23-30.12-95.39-2.680.00-51.47
Sale Or Maturity of Investments-49.6627.7318.6112.7718.7628.8049.8612.61
Federal Home Loan Advances Increase (Decrease)--1.07-0.67-1.90-2.11-0.31-0.54-0.75-1.02
Other Uses-0.000.000.000.000.000.000.000.00
Other Sources-0.000.000.000.000.000.000.000.00
Cash from Investing Activities--120.39-281.20-234.64-364.80-310.51-95.12-154.77-236.59
Cash Dividends Paid-0.000.000.000.000.000.000.000.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Change in Capital Stock--5.82-0.470.34-1.72-0.10-0.189.57-0.02
Repurchase of Common Pref Stock--5.93-0.51-0.10-1.93-0.14-0.18-0.30-0.15
Sale of Common Pref Stock-0.110.030.440.210.040.009.880.13
Proceedsfrom Stock Options-0.000.000.000.000.000.009.750.00
Issuance or Reduction of Debt, Net--17.00-29.0057.00-10.00-65.00-15.0045.005.01
Change in Long Term Debt--17.00-29.0057.00-10.00-65.00-15.0045.005.01
Issuance of Long Term Debt-0.000.0057.000.000.000.0045.005.01
Reduction of Long Term Debt--17.00-29.000.00-10.00-65.00-15.000.000.00
Net Financing Active Other Cash Flow-0.000.000.000.000.000.000.000.00
Other Financing Activities Uses-0.000.00-0.000.000.00--
Cash from Financing Activities-66.60229.62257.59317.74167.62247.51208.37170.26
Net Change in Cash--8.86-14.2249.46-20.44-127.14170.6162.51-59.43
Free Cash Flow-43.3835.8525.6826.2515.1917.937.305.58
Price to Free Cash Flow-7.739.317.786.979.975.6316.0920.94

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks234.41278.08272.92141.49245.05125.90
Investments300.13274.94260.56254.40231.43227.28
Net Loans2,154.972,102.262,110.732,096.822,052.832,052.89
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment9.529.269.879.139.069.47
Interest Receivables9.428.258.778.288.038.62
Deferred Tax Assets---10.51--
Other Intangible Assets39.7835.5131.075.8530.0830.72
Total Assets2,748.222,708.302,693.932,535.062,576.482,454.88
Total Deposits2,412.992,381.242,374.702,223.882,272.372,162.88
Total Debt25.9825.9825.9835.6728.9728.97
Long Term Debt25.9825.9825.9833.7328.9728.97
Provision for Risks Charges0.000.000.000.700.000.00
Other Liabilities17.9015.5720.5210.8417.1816.09
Total Liabilities2,456.872,422.792,421.192,271.092,318.532,207.94
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity291.35285.52272.73263.96257.95246.94
Total Shareholders Equity291.35285.52272.73263.96257.95246.94
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity291.35285.52272.73263.96257.95246.94
Total Liabilities & Stockholders Equity2,748.222,708.302,693.932,535.062,576.482,454.88
Book Value Per Share50.8549.8747.7246.0844.4542.54
Tangible Book Value Per Share50.8549.8747.7246.0844.4542.54
Price to Book Ratio1.701.551.481.291.391.33
Return on Assets1.741.731.621.631.661.72
Return on Equity16.8416.7316.4916.5817.4218.23
Return on Invested Capital3.574.184.003.343.353.76
Current Ratio0.270.320.300.210.300.18

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2

Revenue breakdown

Revenue split-

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.62%0.2M4.0M101.20K
2026-10-153.75%0.2M4.0M83.28K
2026-09-303.38%0.1M4.0M69.00K
2026-09-150.65%0.0M4.6M40.77K
2026-08-310.17%0.0M4.6M11.78K
2026-08-140.17%0.0M4.6M6.68K
2026-07-310.01%0.0M4.6M4.87K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-294Statement of changes in beneficial ownership of securities2026-10-21SEC
2026-10-294Statement of changes in beneficial ownership of securities2026-08-23SEC
2026-10-168-KCurrent report2026-10-16SEC
2026-09-24SCHEDULE 13GSEC
2026-09-15SCHEDULE 13GSEC
2026-09-118-KCurrent report2026-09-05SEC
2026-09-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-263Initial statement of beneficial ownership of securities2026-08-17SEC
2026-08-178-KCurrent report2026-08-17SEC
2026-08-118-KCurrent report2026-08-11SEC
2026-08-108-KCurrent report2026-08-10SEC
2026-08-064Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-07-31S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-07-29SEC STAFF ACTIONSEC
2026-07-29CERTSEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-293Initial statement of beneficial ownership of securities2026-07-29SEC
2026-07-298-KCurrent report2026-07-29SEC
2026-07-1710-12B/ASEC
2026-07-1310-12BSEC
2026-06-09DRSSEC
2026-02-17SCHEDULE 13G/ASEC
2026-02-17SCHEDULE 13G/ASEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
American Assets Investment Management, LLC9.58%
ENDEAVOUR CAPITAL ADVISORS INC7.17%
BANC FUNDS CO LLC5.52%
Siena Capital Partners GP, LLC1.09%
GEODE CAPITAL MANAGEMENT, LLC0.72%
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC0.55%
Daytona Street Capital LLC0.45%
SALZHAUER MICHAEL0.37%
Western Standard LLC0.36%
KENNEDY CAPITAL MANAGEMENT LLC0.33%

Funds

Fund% owned
Adara Smaller Companies Fund0.31%
Emerald Finance & Banking Innovation Fund0.06%

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