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Private Bancorp of America, Inc (PBAM) Fair Value & Analysis

Financial Services · US · Market cap $430M

Price$75.95
Fair Value$92.50
Upside+21.8%
Quality95/100
Evidence: High Range $69.38 – $115.63

Fair value as of: Jun 26, 2026

Analysis

Private Bancorp of America, Inc (PBAM) currently trades at $75.95, while our model-based Fair Value estimate is $92.50 — implying the stock looks roughly 21.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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 che…

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Frequently asked questions

Is Private Bancorp of America, Inc (PBAM) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $92.50 versus a price of $75.95 — about +22% (undervalued). Model-based estimate, not financial advice.
What is the fair value of PBAM?
Our 21-model fair value for Private Bancorp of America, Inc is $92.50 (as of Jun 26, 2026), built from audited fundamentals. The current price is $75.95.
What is the quality score of PBAM?
Private Bancorp of America, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.