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Private Bancorp of America (PBAM) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Private Bancorp of America stock $58.81, price $84.42, that is 30.3% below the price, quality 57 out of 100. Rating: overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

PB Private Bancorp of America logo Some data Nov 3, 2026

Private Bancorp of America

PBAM · US
Solid, but expensive

Our calculation puts a fair price 30% below what the stock costs today.

Healthy Growth (revenue 5y +17.7 %/yr in USD)
Highly profitable · 35.4% net margin (TTM)
Ranks above peers (9/12)
Revenue last quarter +15% vs. a year ago.
Quality 57/100
Wide moat 70/100 · thin data
Some data
Fair value $58.81 · Overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$91.20 $23.84 Fair Value $58.81 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range $23.84 – $91.20 · fair‑value band $45.39 – $89.72 · the $84.42 price screens above the $58.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California.

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The company offers checking and savings, mobile deposit, money market, certificate of deposit, and retirement accounts; lending services, including commercial real estate loans, commercial and industrial loans, and government-guaranteed lending programs; ATM and debit cards, and credit cards; and safe deposit boxes.

It also provides online business banking services, such as online tools, specialized features, deposit one remote deposit capture, bill pay, account reconciliation, ACH origination, and positive pay; and business solutions comprising zero balance accounts, sweep accounts, wire transfer services, cash vault services, business mobile deposit, business credit cards, merchant services, and funds management.

In addition, the company offers legal services specialties, wealth management, and impact checking services. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.

Stock analysis

Private Bancorp of America (PBAM) currently trades at $84.42, while our model-based Fair Value estimate is $58.81, 30% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $75.33 per share, and 1 of the 4 models we run sit above the $84.42 price.

Bear case: the Asset-Based group reads lowest at $30.59, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $45.39 (bear) to $89.72 (bull), the price of $84.42 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Private Bancorp of America reported revenue of $125M in FY2025 versus $70.1M in FY2021, a compound +15.6%/yr. Reported net income was $40.7M in FY2025, compounding +17.9%/yr from FY2021.

Key figures

Market cap $484M Small · P/E ratio 10.5 · P/S ratio 3.68 · EPS (TTM) $8.02 · Net margin 35.4% · Return on equity 16.9% · Return on assets (EBIT) 1.0% (5-year average) · Operating margin 46.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 52% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −30%, PBAM screens richer than that median.

Fair Value models

Bear $45.39 Fair Value $58.81 Bull $89.72
Price $84.42 · Downside -30.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($6.88 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $45.39 $58.81 $89.72 69
P/E Multiple $69.25 $92.33 $115.41 63
P/B Multiple $43.74 $58.32 $72.90 55
All 4 models by family
Multiples
P/E Multiple $69.25 $92.33 $115.41 63
P/B Multiple $43.74 $58.32 $72.90 55
Asset-Based
NCAV (Graham) $22.83 $30.59 $45.65 54
Economic Profit
Residual Income $45.39 $58.81 $89.72 69

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 38
How much profit the company makes from its sales and capital
Quality Growth 52
Are margins and returns getting better?
Cashflow 86
Do the profits arrive as real cash?
Financial strength 21
Debt, balance sheet and risk of trouble
Investment 48
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 63
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 84
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+17.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.7%
Start year 2020 (pandemic). Over 10 years: +20.1% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+20.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.1%
Dividend (yield on the price)0.0%

PBAM screens overvalued: fair value 30% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside −30.3% · Below median
Profitability
Return on equity (12 months) 16.9% · Top 25%
Return on assets 1.6% · Top 25%
Net margin (12 months) 35.4% · Above median
Operating margin (12 months) 46.4% · Above median
Growth and dividend
Revenue growth (quarter YoY) 15.4% · Above median
Balance sheet
Debt / equity 0.11× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.5× · Cheaper than median
P/B 1.83× · Priciest 25%
P/S (12 months) 3.68× · Pricier than median
Price / free cash flow (fiscal year) 10.6× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)77 · sector 47
PAST (return on equity)68 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs PBAM
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs PBAM
BNP Paribas SA BNP €91.93 €106.01 +15% vs PBAM
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs PBAM
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs PBAM
UniCredit S.p.A UCG €76.80 €50.44 −34% vs PBAM
Mizuho Financial Group MFG $9.40 $5.89 −37% vs PBAM
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PBAM
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs PBAM
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs PBAM

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Private Bancorp of America: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Private Bancorp of America Fair Value". https://www.fairvalue-calculator.com/stock/PBAM

Frequently asked questions

Is Private Bancorp of America (PBAM) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $58.81 versus a price of $84.42, about 30% lower (overvalued).
What is the fair value of PBAM?
Our model-based fair value for Private Bancorp of America is $58.81 (as of Nov 3, 2026), built from audited fundamentals. The current price: $84.42.
What is the quality score of PBAM?
Private Bancorp of America has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Private Bancorp of America (PBAM)?
Our model-based price target is the fair value of $58.81 (as of Nov 3, 2026) from 4 valuation models. Cautious scenario $45.39, optimistic scenario $89.72. It is a calculation from audited fundamentals, not an analyst target.
What is the Private Bancorp of America stock forecast for 2026?
Our models put fair value at $58.81, about 30% lower versus a price of $84.42 (overvalued). Cautious scenario $45.39, optimistic scenario $89.72. The calculation is refreshed regularly with new filings.
What is the revenue of Private Bancorp of America (PBAM)?
Private Bancorp of America reported trailing-twelve-month revenue of about $131M (latest available figure, as of Nov 3, 2026).
What is the intrinsic value of Private Bancorp of America (PBAM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Private Bancorp of America it is $58.81 per share (as of Nov 3, 2026), against a price of $84.42. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Private Bancorp of America stock overvalued or undervalued in 2026?
As of Nov 3, 2026, PBAM trades above its calculated fair value: price $84.42, fair value $58.81, a gap of about −30% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PBAM?
No. The price is what the market pays today ($84.42); the fair value is what the company's own numbers justify ($58.81). For Private Bancorp of America the two are $25.61 per share apart. That gap is exactly why we show both numbers side by side.
How much is Private Bancorp of America worth?
The market values Private Bancorp of America at about $484M (market capitalisation, as of Nov 3, 2026). Per share that is $84.42; our models calculate a fair value of $58.81 per share.
What do the bullish and bearish scenarios say about PBAM?
Our models span a range for Private Bancorp of America: cautious scenario $45.39, base $58.81, optimistic $89.72 per share (as of Nov 3, 2026, price $84.42). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PBAM?
Private Bancorp of America trades at a price-to-earnings ratio of 10.5 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $58.81 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2017 to 2025), reported earnings: 8.7. Other multiples: P/B 1.8, P/S 3.7.
How solid is the balance sheet of Private Bancorp of America (PBAM)?
Balance-sheet figures for Private Bancorp of America (as of Nov 3, 2026): return on equity 16.9%, debt of 0.11 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is PBAM from its 52-week high?
Private Bancorp of America trades at $84.42, about 7% below its 52-week high of $91.20 and 52% above the low of $55.60 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $58.81 is for.
Which stocks are comparable to Private Bancorp of America?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Private Bancorp of America stock attractive at the current price?
The data as of Nov 3, 2026: price $84.42, calculated fair value $58.81 (−30%), Quality Score 57/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PBAM calculated?
We run Private Bancorp of America through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $58.81 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Private Bancorp of America itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Private Bancorp of America (PBAM)?
The closing price on Nov 6, 2026 was $84.42. Our model-based fair value is $58.81, about 30% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Private Bancorp of America right now?
Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($45.39 to $89.72) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Private Bancorp of America

How large is the market capitalisation of Private Bancorp of America (PBAM)?
The market capitalisation of Private Bancorp of America is $484M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Private Bancorp of America (PBAM)?
The price-to-sales ratio of Private Bancorp of America is 3.68 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Private Bancorp of America (PBAM)?
Earnings per share at Private Bancorp of America are $8.02 (price ÷ EPS = P/E 10.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Private Bancorp of America (PBAM)?
The net margin of Private Bancorp of America is 35.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Private Bancorp of America (PBAM)?
The return on equity (ROE) of Private Bancorp of America is 16.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Private Bancorp of America (PBAM)?
On an EBIT basis the return on assets of Private Bancorp of America is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Private Bancorp of America (PBAM)?
The operating margin of Private Bancorp of America is 46.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Private Bancorp of America (PBAM)?
Revenue at Private Bancorp of America is growing +15.4% versus a year earlier (3y avg +13.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Private Bancorp of America (PBAM)?
Earnings per share at Private Bancorp of America are growing +19.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Private Bancorp of America (PBAM) generate?
The free cash flow of Private Bancorp of America is $45.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Private Bancorp of America (PBAM) carry?
The net debt of Private Bancorp of America is $17.1M (fiscal year 2018, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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