Stocks · Financial Services · Banks - Regional
Private Bancorp of America, Inc. PBAM
$86.90 +1.41% Close, Oct 2, 2026 · NASDAQ · Market cap $497.6M
Strong trendLow risk
Next earnings report: Oct 16, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 11.3× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 204 trading days, with the 50-day average above the 200-day.
- The company holds net cash of $252.1M (cash above total debt).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 39%
- EPS growth (TTM, YoY)Bottom 37%
- Revenue growth, 3-year CAGRTop 22%
- Revenue growth accelerationBottom 36%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 46%
- Gross marginTop 31%
- Operating marginTop 19%
- Cash conversion (OCF / net income)Bottom 27%
- Accruals (lower is better)Bottom 25%
- Net debt / EBITDA (lower is better)Top 7%
- Interest coverTop 37%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 26%
- Free-cash-flow yieldBottom 36%
- EBITDA / enterprise valueTop 6%
- Sales / enterprise valueTop 17%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 7%
- 6-month returnTop 12%
- 1-year return vs S&P 500Top 8%
- Distance from 52-week highTop 28%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 48%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 17%
- Upside to consensus price targetTop 49%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 26%
- Maximum drawdown, 3 yearsTop 21%
- Beta vs S&P 500 (lower is better)Top 24%
- Net debt / EBITDA (lower is better)Top 7%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.3% | 3.5% | ↓ |
| EPS growth (YoY) | 9.1% | 9.7% | ↑ |
| Gross margin | 68.3% | 72.3% | ↑ |
| Operating margin | 32.4% | 35.7% | ↑ |
| FCF margin | 0.0% | 15.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.5% | 5.3% | ↓ | Bottom 39% |
| EPS growth (TTM, YoY) | 9.7% | 9.1% | ↑ | Bottom 37% |
| Gross margin | 72.3% | 68.3% | ↑ | Top 31% |
| Operating margin | 35.7% | 32.4% | ↑ | Top 19% |
| Net margin | 25.5% | 24.3% | ↑ | — |
| Free-cash-flow margin | 15.0% | 0.0% | ↑ | — |
| Return on invested capital | 1.7% | — | Top 46% | |
| Revenue growth, 3-year CAGR | 23.5% | — | Top 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.59×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -7.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -4.02×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- -1.6%
- Share count change, 3-year CAGR
- +0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Sep 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +5.1%
- Average 2-day reaction, last 8
- +1.7%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $100.50
- Target vs current price
- +15.7%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 75%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | +13.5% | +1.1% | +2.2% | +8.9% | — |
| Apr 17, 2026 | +18.3% | +5.1% | +6.8% | +8.6% | +12.4% |
| Jan 16, 2026 | -4.5% | +1.3% | +4.0% | +13.0% | +19.6% |
| Oct 17, 2025 | -6.8% | -5.2% | -2.2% | -2.7% | -1.5% |
| Jul 17, 2025 | +1.7% | +1.7% | +1.4% | -0.9% | +3.6% |
| Apr 21, 2025 | +10.4% | +0.2% | +3.5% | +6.2% | +10.8% |
| Jan 17, 2025 | +17.4% | +4.4% | +6.2% | +5.0% | -8.8% |
| Oct 18, 2024 | +14.8% | +4.8% | +4.8% | +4.3% | +20.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $2.27 | $2.00 | +13.5% | $34.5M |
| Apr 17, 2026 | $2.07 | $1.75 | +18.3% | $34.5M |
| Jan 16, 2026 | $1.71 | $1.79 | -4.5% | $32.5M |
| Oct 17, 2025 | $1.65 | $1.77 | -6.8% | $43.4M |
| Jul 17, 2025 | $1.77 | $1.74 | +1.7% | $31.8M |
| Apr 21, 2025 | $1.80 | $1.63 | +10.4% | $29.3M |
| Jan 17, 2025 | $1.82 | $1.55 | +17.4% | $29.3M |
| Oct 18, 2024 | $1.63 | $1.42 | +14.8% | $27.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.3× | 7.4× | 95th | Top 26% |
| P/E (forward) | 10.2× | — | — | — |
| EV / EBITDA | 3.9× | — | — | Top 6% |
| EV / Sales | 1.40× | — | — | Top 17% |
| Free-cash-flow yield | 5.29% | — | — | Bottom 36% |
| Earnings yield | 8.86% | — | — | Top 26% |
P/E over the past five years
Range 4.0× – 11.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +46.9%
- Earnings per share growth (TTM)
- +9.7%
- Change in P/E multiple
- +51.6%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 204
- 50-day average slope (20 days)
- +5.8%
- 200-day average slope (20 days)
- +4.5%
- Distance from 50-day average
- -0.2%
- Distance from 200-day average
- +18.8%
- RSI (14)
- 47.3
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.1%
- Volatility vs own 5-year history
- 68th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.31
- Correlation with S&P 500
- 0.28
- Current drawdown from 1-year high
- -4.7%
- Maximum drawdown, 3 years
- -14.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 1, 2022 | Apr 14, 2023 | -30.9% | 112 days | 173 days (Dec 20, 2023) |
| Jan 29, 2025 | Apr 14, 2025 | -14.8% | 52 days | 202 days (Feb 3, 2026) |
| Nov 13, 2020 | Nov 16, 2020 | -10.5% | 1 days | 2 days (Nov 18, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $497.6M
- P/E (TTM)
- 11.3
- EPS, diluted (TTM)
- $7.70
- Revenue (TTM)
- $175.4M
- 52-week range
- $54.45 – $92.09
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $74.7M | $91.6M | $45.4M | $265.4M | $172.3M |
| Gross profit | $67.4M | $83.2M | $74.9M | $104.2M | $119.2M |
| Operating income | $29.9M | $34.9M | $58.3M | $52.3M | $57.8M |
| Net income | $21.0M | $24.7M | $40.9M | $35.8M | $40.7M |
| EPS (diluted) | $3.69 | $4.34 | $7.11 | $6.15 | $6.92 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $41.5M | $42.4M | $41.9M | $43.7M | $43.4M | $43.3M | $44.3M | $44.4M |
| Net income | $9.5M | $10.7M | $10.6M | $10.4M | $9.6M | $10.0M | $12.0M | $13.1M |
| EPS (diluted) | $1.63 | $1.82 | $1.80 | $1.77 | $1.65 | $1.71 | $2.07 | $2.27 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $8.0M | $47.4M | $33.5M | $37.4M | $44.9M |
| Capital expenditure | -$560,766 | -$364,000 | -$835,000 | -$1.5M | -$1.6M |
| Free cash flow | $7.5M | $47.0M | $32.7M | $35.9M | $43.4M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$141,143 | -$1.9M | -$96,000 | -$475,000 | -$5.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $278.1M
- Total assets
- $2.71B
- Total liabilities
- $2.42B
- Total debt
- $26.0M
- Net debt
- -$252.1M
- Shareholders’ equity
- $285.5M
As of Jun 30, 2026 (filed Sep 4, 2026).
Short interest
- Shares sold short
- 29,857
- Days to cover
- 1.00
- Change vs previous report
- +291.4%
FINRA short interest, settlement date Sep 15, 2026.