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Private Bancorp of America, Inc. (PBAM)

USD78.00 +1.00 (+1.30%)
US OTC Financial Services Banks - Regional
Address 9404 Genesee Avenue 92037
La Jolla, CA, US
CEO Richard L. Sowers
IPO 2012-02-22
ISIN US74274F1003

Explore sections of this company profile

Description

Private Bancorp of America, Inc., acting as the parent company for CalPrivate Bank, offers a comprehensive range of financial products and services tailored for both individual and business customers throughout California. For personal banking needs, the institution provides various deposit accounts, including checking, savings, money market, certificate of deposit, and retirement options. It also extends personal credit lines and term loans. Additional conveniences for individual clients include direct deposit, online banking, ATM and debit card access, credit cards, overdraft protection linked to savings or credit lines, secure safe deposit boxes, and Certificate of Deposit Account Registry Service (CDARS). Its business banking offerings encompass essential checking, savings, and sweep accounts, augmented by numerous corporate solutions. These include advanced treasury management, merchant card services, bill payment, positive pay fraud detection, e-statements, remote deposit capture, wire transfers, electronic payment and collection systems, electronic check acceptance, account reconciliation, cash vault services, and both gift and business credit cards, alongside extensive funds management. The company further provides diverse loan products, such as financing for commercial real estate, Small Business Administration (SBA) initiatives, construction ventures, equipment purchases, and business expansion. Working capital lines of credit and letters of credit are also available. Operational branches are situated in key Californian locations: La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and its corporate headquarters are located in La Jolla, California.

News Sentiment (7d)
23 Negative

Based on only 2 articles — low confidence

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD78.00 +1.00 (+1.30%)
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Volume Profile
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Liquidity & share structure
Average Volume
4.1K
Beta
0.07
Float Shares
5.44M
Free Float %
94.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.14% +0.05% -3.13% +9.47% +27.07% +26.54% +32.36% +160.00% +188.32% +360.18% +708.89%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (4 ratings, all time) Buy
Price Targets & DCF
Current price
78.00
Low 88.00 +12.8%
Consensus 89.50 +14.7%
Median 89.50 +14.7%
High 91.00 +16.7%
DCF (Unlevered) 217.12 +178.4%
DCF (Levered) 225.41 +189.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 3 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Price Target Summary
Period # Analysts Avg Target
Last Month
Last Quarter 2
89.50
+14.7%
Last Year 5
80.80
+3.6%
All Time 7
74.57
-4.4%
Quality scores
Altman Z-Score
0.47
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +6.9% Q1'26: +5.9% (vs Q1'25)
  • EPS growth
    +12.5% Q1'26: +15.0% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +38.0% (vs Q1'25)
  • ROIC
    Q1'26: +186.6% (vs Q1'25)
  • Share dilution
    +0.8% Q1'26: -0.9% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.39× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.09) × ERP
WACC = 94% × Ke + 6% × Kd (162.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 217.12 Current price: 78.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
2 Rev. Ana.
3 EPS Ana.
Dec 2027
2 Rev. Ana.
3 EPS Ana.
Revenue
25.91M
est: 23.46M (+10.5%)
35.99M
est: 31.26M (+15.1%)
52.99M
est: 44.17M (+20.0%)
62.28M
est: 52.60M (+18.4%)
74.70M
est: 68.60M (+8.9%)
91.57M
est: 84.43M (+8.5%)
101.08M
est: 94.65M (+6.8%)
161.24M
est: 105.56M (+52.7%)
172.31M
est: 125.24M (+37.6%)
140.26M
138.82M – 141.71M
+12.0% YoY
151.24M
147.89M – 154.60M
+7.8% YoY
EBITDA
8.24M
est: 6.43M (+28.2%)
6.34M
est: 8.56M (-26.0%)
86.1K
est: 12.10M (-99.3%)
16.48M
est: 17.06M (-3.4%)
30.78M
est: 18.79M (+63.8%)
35.83M
est: 26.35M (+36.0%)
-1.18M
est: 27.27M (-104.3%)
50.53M
est: 30.41M (+66.1%)
57.83M
est: 36.09M (+60.3%)
40.41M
40.00M – 40.83M
+12.0% YoY
43.58M
42.61M – 44.54M
+7.8% YoY
EBIT
7.92M
est: 8.97M (-11.7%)
5.85M
est: 11.95M (-51.1%)
-585.5K
est: 16.88M (-103.5%)
15.68M
est: 20.11M (-22.0%)
29.86M
est: 26.22M (+13.9%)
34.91M
est: 32.27M (+8.2%)
57.33M
est: 37.77M (+51.8%)
50.53M
est: 42.12M (+20.0%)
57.83M
est: 49.98M (+15.7%)
55.97M
55.39M – 56.55M
+12.0% YoY
60.35M
59.01M – 61.69M
+7.8% YoY
Net Income
3.42M
est: 6.13M (-44.1%)
4.14M
est: 5.20M (-20.5%)
-428.4K
est: -1.10M (+61.0%)
10.89M
est: 7.83M (+39.2%)
21.03M
est: 20.09M (+4.7%)
24.71M
est: 16.04M (+54.1%)
40.56M
est: 32.60M (+24.4%)
35.54M
est: 34.22M (+3.8%)
40.67M
est: 40.73M (-0.2%)
48.06M
47.74M – 48.38M
+18.0% YoY
49.79M
49.05M – 50.76M
+3.6% YoY
SGA
11.40M
est: 9.56M (+19.3%)
18.57M
est: 12.74M (+45.8%)
26.04M
est: 18.00M (+44.6%)
27.67M
est: 19.00M (+45.7%)
30.86M
est: 27.96M (+10.4%)
39.88M
est: 26.72M (+49.2%)
42.78M
est: 35.11M (+21.8%)
51.92M
est: 39.16M (+32.6%)
45.01M
est: 46.47M (-3.1%)
52.04M
51.50M – 52.57M
+12.0% YoY
56.11M
54.87M – 57.36M
+7.8% YoY
EPS
0.72
est: 1.06 (-32.1%)
0.83
est: 0.90 (-7.8%)
-0.08
est: -0.19 (+57.1%)
1.94
est: 1.70 (+14.1%)
3.75
est: 3.48 (+7.9%)
4.41
est: 4.21 (+4.8%)
7.18
est: 5.61 (+28.1%)
6.24
est: 5.89 (+5.9%)
7.03
est: 7.00 (+0.5%)
8.24
8.19 – 8.31
+17.7% YoY
8.60
8.42 – 8.71
+4.5% YoY
Recent Grade Changes (3M)
Date Firm Previous New Grade Action
2026-04-20 DA Davidson Buy Buy Maintain
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-26 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-22 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-21 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-20 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-19 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-18 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-15 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-14 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-13 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-12 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-11 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-08 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-07 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-06 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-05 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-04 A- 4/5 5/5 4/5 4/5 3/5 3/5 2/5
2026-05-01 A 4/5 5/5 5/5 5/5 3/5 3/5 2/5
2026-04-30 A 4/5 5/5 5/5 5/5 3/5 3/5 2/5
2026-04-29 A 4/5 5/5 5/5 5/5 3/5 3/5 2/5
2026-04-28 A 4/5 5/5 5/5 5/5 3/5 3/5 2/5
2026-04-27 A 4/5 5/5 5/5 5/5 3/5 3/5 2/5
2026-04-24 A 4/5 5/5 5/5 5/5 3/5 3/5 2/5
2026-04-23 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-22 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-21 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-20 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-17 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.29M
OE per share TTM
0.22
Owner's Yield
0.31%
Maintenance CapEx ratio
1.55%
Maint CapEx / Avg PPE
4.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
4.82M
Shares Outstanding
5.75M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Becky Mendoza Senior VP & Market Manager of San Diego female
Cory D. Stewart Executive Vice President, Corporate Secretary & Chief Financial Officer male
Curtis Birkmann Executive Vice President & Chief Technology Officer male
Karen L. Lister EVP & Chief Administrative Officer female
Mark Hettel Senior Vice President of Finance Strategy & Transformation male
Michael Pierron Executive VP & COO male
Paul Azzi Executive Vice President & Chief Banking Officer of SD male
Richard L. Sowers Chief Executive Officer, President & Director male
Scott Hurtik Executive Vice President & Chief Information Officer male
Tony Dal Maso Senior Vice President of Accounting & Financial Reporting male
Zina Robinson Executive Vice President & Chief People Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits