# Private Bancorp of America Inc. (PBAM) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $90.10, market value $516 million.

## Valuation
- **P/E (trailing): 11.7×** (5-yr avg 7.5×, 3-yr avg 7.5×). Private Bancorp of America Inc. trades at 11.7× trailing earnings, well above its own five-year average of 7.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.83**. A PEG of 0.83 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 4.1×**. Each dollar of revenue is priced at 4.1×.
- **Price / book: 1.8×**. The shares trade at 1.8× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.8%** (5-yr avg 15.8%). Free cash flow equals 8.8% of the market value, below its five-year average of 15.8%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.5%**. The inverse of the P/E: 8.5% of the price is earned each year.

## Profitability
- **Net margin: 32.5%**. 32.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.4%**. 15.4% on shareholders' equity is solid.
- **Return on assets: 1.6%**. Each dollar of assets produces 1.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 17.1%** (3-yr 13.6%/yr). Revenue grew 17.1% over the last year.
- **EPS growth (1 yr): 12.5%** (3-yr 16.9%/yr). Earnings per share rose 12.5%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 3.8%/yr**. Free cash flow has compounded at 3.8% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $159 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Private Bancorp of America Inc. does not currently pay a dividend, but it returned 1.1% of its market value through buybacks over the last year.

## Analyst view
- **Analyst consensus: strong_buy** (4 analysts). 4 analysts cover Private Bancorp of America Inc.; the consensus is strong_buy, with an average price target of $95.00 (+5% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 57.5%** (YTD 56.6%, 3-mo 25.2%). The shares are up 57.5% over twelve months including dividends.
- **From 52-week high: -0.6%** (65.5% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 86**. An RSI of 86 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.20** (volatility 14%). Beta of 0.20 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PBAM · Page: https://foliofundamentals.com/stocks/pbam

Not investment advice.