PBAM

Private Bancorp of America, Inc.

USD

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Price alert · PBAM

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85.34 USD -0.21 -0.25%
As of Oct 30, 2026 Extended hours 84.55 -0.93%
Bid
85.17 × 1
Ask
85.53 × 18
84.97 Day range 86.06
55.60 52-week range 91.20
YTD
+48.34%
1 year
+49.12%
Open
85.90
Prev close
85.55
Mkt cap
488.63M
Vol
86.83K
Avg vol
100.78K
EPS
8.02
P/E
10.64
Div yield
0.00%
More statistics
Low
84.97
High
86.06
Earnings
Jan 17, 2025

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Financial health

Altman Z-Score

0.49 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 8.2×
FY 2016: 18.1×FY 2017: 35.3×FY 2018: 27.7×FY 2019: -273×FY 2020: 9.5×FY 2021: 7.2×FY 2022: 7.3×FY 2023: 4.9×FY 2024: 9.3×FY 2025: 8.2×
FY 2016 5y median 7.3× FY 2025
P/S 1.9×
FY 2016: 3.5×FY 2017: 4.6×FY 2018: 3.2×FY 2019: 2.2×FY 2020: 1.6×FY 2021: 2.0×FY 2022: 2.0×FY 2023: 4.4×FY 2024: 1.2×FY 2025: 1.9×
FY 2016 5y median 2.0× FY 2025
P/B 1.3×
FY 2016: 1.3×FY 2017: 1.5×FY 2018: 1.4×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.5×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/FCF 7.6×
FY 2016: 14.5×FY 2017: 20.0×FY 2018: 20.5×FY 2019: 16.0×FY 2020: 2.2×FY 2021: 20.0×FY 2022: 3.8×FY 2023: 6.0×FY 2024: 9.2×FY 2025: 7.6×
FY 2016 5y median 7.6× FY 2025
EV/EBITDA 3.4×
FY 2016: 11.3×FY 2017: 8.7×FY 2018: 20.7×FY 2019: 1317×FY 2020: -5.3×FY 2021: 0.7×FY 2022: 1.7×FY 2023: 2.5×FY 2024: 4.2×FY 2025: 3.4×
FY 2016 5y median 2.5× FY 2025
EV/Sales 1.2×
FY 2016: 3.7×FY 2017: 2.8×FY 2018: 3.6×FY 2019: 2.1×FY 2020: -1.4×FY 2021: 0.3×FY 2022: 0.7×FY 2023: 3.2×FY 2024: 0.8×FY 2025: 1.2×
FY 2016 5y median 0.8× FY 2025
FCF Yield 13.1%
FY 2016: 6.9%FY 2017: 5.0%FY 2018: 4.9%FY 2019: 6.3%FY 2020: 46.5%FY 2021: 5.0%FY 2022: 26.1%FY 2023: 16.5%FY 2024: 10.9%FY 2025: 13.1%
FY 2016 5y median 13.1% FY 2025

Profitability

Gross Margin 69.2%
FY 2016: 86.9%FY 2017: 88.5%FY 2018: 83.0%FY 2019: 61.8%FY 2020: 79.8%FY 2021: 90.2%FY 2022: 90.8%FY 2023: 165.0%FY 2024: 39.3%FY 2025: 69.2%
FY 2016 5y median 90.2% FY 2025
Operating Margin 33.6%
FY 2016: 31.4%FY 2017: 30.6%FY 2018: 16.3%FY 2019: -1.1%FY 2020: 25.2%FY 2021: 40.0%FY 2022: 38.2%FY 2023: 128.5%FY 2024: 19.7%FY 2025: 33.6%
FY 2016 5y median 38.2% FY 2025
Net Margin 23.6%
FY 2016: 19.4%FY 2017: 13.2%FY 2018: 11.5%FY 2019: -0.8%FY 2020: 17.5%FY 2021: 28.2%FY 2022: 27.0%FY 2023: 90.0%FY 2024: 13.5%FY 2025: 23.6%
FY 2016 5y median 27.0% FY 2025
ROE 15.4%
FY 2016: 7.3%FY 2017: 4.3%FY 2018: 4.9%FY 2019: -0.4%FY 2020: 10.1%FY 2021: 16.4%FY 2022: 17.2%FY 2023: 22.0%FY 2024: 16.0%FY 2025: 15.4%
FY 2016 5y median 16.4% FY 2025
ROIC 13.0%
FY 2016: 3.3%FY 2017: 2.5%FY 2018: 2.8%FY 2019: -0.2%FY 2020: 5.4%FY 2021: 13.0%FY 2022: 14.8%FY 2023: 15.0%FY 2024: 12.3%FY 2025: 13.0%
FY 2016 5y median 13.0% FY 2025
ROA 1.6%
FY 2016: 0.8%FY 2017: 0.5%FY 2018: 0.5%FY 2019: -0.0%FY 2020: 0.8%FY 2021: 1.4%FY 2022: 1.3%FY 2023: 1.9%FY 2024: 1.5%FY 2025: 1.6%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue -35.1%
FY 2016: 2.2%FY 2017: 16.4%FY 2018: 38.9%FY 2019: 47.3%FY 2020: 17.5%FY 2021: 20.0%FY 2022: 22.6%FY 2023: -50.5%FY 2024: 485.0%FY 2025: -35.1%
FY 2016 FY 2025
Operating Income 10.6%
FY 2016: -16.7%FY 2017: 13.2%FY 2018: -26.2%FY 2019: -110.0%FY 2020: 2777.3%FY 2021: 90.5%FY 2022: 17.0%FY 2023: 66.9%FY 2024: -10.3%FY 2025: 10.6%
FY 2016 FY 2025
EPS (diluted) 12.5%
FY 2016: -9.4%FY 2017: -33.0%FY 2018: 14.1%FY 2019: -110.1%FY 2020: 2477.5%FY 2021: 90.2%FY 2022: 17.6%FY 2023: 63.8%FY 2024: -13.5%FY 2025: 12.5%
FY 2016 FY 2025
Free Cash Flow 21.0%
FY 2016: -15.1%FY 2017: 11.5%FY 2018: -6.6%FY 2019: 30.9%FY 2020: 547.0%FY 2021: -84.2%FY 2022: 530.0%FY 2023: -30.5%FY 2024: 9.7%FY 2025: 21.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.1×
FY 2016: 1.3×FY 2017: 0.7×FY 2018: 0.8×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.7×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -2.2×
FY 2016: 0.6×FY 2017: -5.8×FY 2018: 2.7×FY 2019: -39.9×FY 2020: -11.5×FY 2021: -4.1×FY 2022: -3.3×FY 2023: -0.9×FY 2024: -2.1×FY 2025: -2.2×
FY 2016 5y median -2.2× FY 2025
Interest Coverage 1.2×
FY 2016: 3.3×FY 2017: 3.2×FY 2018: 1.3×FY 2019: -0.1×FY 2020: 2.3×FY 2021: 6.5×FY 2022: 5.6×FY 2023: 1.6×FY 2024: 1.0×FY 2025: 1.2×
FY 2016 5y median 1.6× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31