Partners Bank of California (PBKX) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Partners Bank of California $11.66, price $16.48, upside -29.3%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $3.01 – $20.19 · fair‑value band $11.09 – $14.39 · the $16.48 price screens above the $11.66 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Partners Bank of California provides various banking products and services to individuals, and small and medium market businesses in California. It offers checking, savings, money market, and negotiable order of withdrawal (NOW) accounts, as well as certificates of deposits.
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Partners Bank of California provides various banking products and services to individuals, and small and medium market businesses in California. It offers checking, savings, money market, and negotiable order of withdrawal (NOW) accounts, as well as certificates of deposits. The company also provides lending solutions, including business lines of credit, business loans, commercial real estate loans, and small business administration and government guaranteed loans, as well as consumer loans. In addition, it offers treasury management services comprising automated clearing house (ACH) payment, remote deposit capture, positive pay, and lockbox services. Further, the company provides credit cards; physician, attorney, contractor, professionals, and real estate professional banking services; and bill pay, fund transfer, and online and mobile banking services. Partners Bank of California was incorporated in 2007 and is headquartered in Mission Viejo, California.
Stock analysis
Partners Bank of California (PBKX) currently trades at $16.48, while our model-based Fair Value estimate is $11.66, implying the stock looks roughly 41.3% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $17.49 per share, and 2 of the 4 models we run sit above the $16.48 price.
Bear case: the Asset-Based group reads lowest at $9.64, and 2 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: $11.09 (bear) to $14.39 (bull), the price of $16.48 sits above 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 38/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Partners Bank of California reported revenue of $36.3M in FY2025 versus $16.4M in FY2021, a compound +22.0%/yr. Reported net income was $6.0M in FY2025, compounding +7.4%/yr from FY2021.
Key figures
Market cap $77.7M · P/E ratio 10.0 · P/S ratio 1.65 · EPS (TTM) $1.65 · Net margin 16.6% · Return on equity 11.9% · Return on assets (EBIT) 1.3% · Operating margin 50.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 61% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −29%, PBKX screens cheaper than that median.
Fair Value models
Bear $11.09Fair Value $11.66Bull $14.39
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.21 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.Evidence ⓘEvidence = 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.
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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+23.8%
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.
+28.8%
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.
+16.7%
Start year 2020 (pandemic)
Revenue growth 9 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.
+21.9%
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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.
+21.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.6%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.19% → 24%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+56.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +53.2% a year for the price.
Compare Partners Bank of California with another stock
Price, fair value, quality and upside side by side.
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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 · 1076 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside−29% · Below median
Profitability
Return on equity (TTM)12% · Above median
Return on assets1% · Above median
Net margin (TTM)33% · Above median
Operating margin (TTM)50% · Top 25%
Growth and dividend
Revenue growth30% · Top 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.60× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)10.0× · Cheaper than median
P/B1.21× · Pricier than median
P/S (TTM)3.37× · Pricier than median
P/FCF253.9× · Priciest 25%
EV/EBITDA4.7× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)100· sector 45
PAST (return on equity)47· sector 41
HEALTH (low debt)70· sector 85
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Partners Bank of California Fair Value". https://www.fairvalue-calculator.com/stock/PBKX
Frequently asked questions
Is Partners Bank of California (PBKX) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $11.66 versus a price of $16.48, about −29% upside (overvalued).
What is the fair value of PBKX?
Our model-based fair value for Partners Bank of California is $11.66 (as of Sep 24, 2026), built from audited fundamentals. The current price: $16.48.
What is the quality score of PBKX?
Partners Bank of California has a Quality Score of 38/100. 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 Partners Bank of California (PBKX)?
Our model-based price target is the fair value of $11.66 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $11.09, optimistic scenario $14.39. It is a calculation from audited fundamentals, not an analyst target.
What is the Partners Bank of California stock forecast for 2026?
Our models put fair value at $11.66, about −29% upside versus a price of $16.48 (overvalued). Cautious scenario $11.09, optimistic scenario $14.39. The calculation is refreshed regularly with new filings.
What is the revenue of Partners Bank of California (PBKX)?
Partners Bank of California reported trailing-twelve-month revenue of about $23.0M (latest available figure, as of Sep 24, 2026).
What growth is priced into Partners Bank of California (PBKX)?
For today's price to be fair in a discounted-cash-flow model, Partners Bank of California would have to grow free cash flow by +56.9 % per year for five years (discount rate 12.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +16.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of PBKX use?
Our models discount Partners Bank of California at 12.7 %: a base by market capitalisation (micro), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Partners Bank of California that is +56.9 % per year a year over ten years, using the same discount rate (12.7 %) and the same formula as our fair value.
How much growth has Partners Bank of California (PBKX) delivered so far?
Over the past 5 years revenue at Partners Bank of California grew +16.7 % a year. The price currently implies +56.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Partners Bank of California (PBKX) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Partners Bank of California (+56.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Partners Bank of California (PBKX)?
The free-cash-flow yield on the price is 0.39 %: that much free cash flow Partners Bank of California produces per unit of market value. When it exceeds the discount rate of our models (12.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Partners Bank of California (PBKX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Partners Bank of California it is $11.66 per share (as of Sep 24, 2026), against a price of $16.48. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Partners Bank of California stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PBKX trades above its calculated fair value: price $16.48, fair value $11.66, a gap of about −29% (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 PBKX?
No. The price is what the market pays today ($16.48); the fair value is what the company's own numbers justify ($11.66). For Partners Bank of California the two are $4.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is Partners Bank of California worth?
The market values Partners Bank of California at about $77.7M (market capitalisation, as of Sep 24, 2026). Per share that is $16.48; our models calculate a fair value of $11.66 per share.
What do the bullish and bearish scenarios say about PBKX?
Our models span a range for Partners Bank of California: cautious scenario $11.09, base $11.66, optimistic $14.39 per share (as of Sep 24, 2026, price $16.48). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PBKX?
Partners Bank of California trades at a price-to-earnings ratio of 10.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.66 is built from several models across several years. Other multiples: P/B 1.2, P/S 3.4, EV/EBITDA 4.7.
How solid is the balance sheet of Partners Bank of California (PBKX)?
Balance-sheet figures for Partners Bank of California (as of Sep 24, 2026): return on equity 11.9%, debt of 0.60 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is PBKX from its 52-week high?
Partners Bank of California trades at $16.48, about 18% below its 52-week high of $20.19 and 61% above the low of $10.21 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $11.66 is for.
Which stocks are comparable to Partners Bank of California?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Partners Bank of California stock attractive at the current price?
The data as of Sep 24, 2026: price $16.48, calculated fair value $11.66 (−29%), Quality Score 38/100, 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 PBKX calculated?
We run Partners Bank of California through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $11.66, 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 14.0 % above its aggregate fair value. Partners Bank of California 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 Partners Bank of California (PBKX)?
The closing price on Sep 24, 2026 was $16.48. Our model-based fair value is $11.66, about −29% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Partners Bank of California right now?
The price sits above even our optimistic bull case ($14.39). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 Partners Bank of California
How large is the market capitalisation of Partners Bank of California (PBKX)?
The market capitalisation of Partners Bank of California is $77.7M. 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 Partners Bank of California (PBKX)?
The price-to-sales ratio of Partners Bank of California is 1.65 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Partners Bank of California (PBKX)?
Earnings per share at Partners Bank of California are $1.65 (price ÷ EPS = P/E 10.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Partners Bank of California (PBKX)?
The net margin of Partners Bank of California is 16.6% (fiscal year 2025). 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 Partners Bank of California (PBKX)?
The return on equity (ROE) of Partners Bank of California is 11.9% (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 Partners Bank of California (PBKX)?
On an EBIT basis the return on assets of Partners Bank of California is 1.3% (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 Partners Bank of California (PBKX)?
The operating margin of Partners Bank of California is 50.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Partners Bank of California (PBKX)?
Revenue at Partners Bank of California is growing +30.1% versus a year earlier (3y avg +28.8%). 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 Partners Bank of California (PBKX)?
Earnings per share at Partners Bank of California are growing −23.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Partners Bank of California (PBKX) hold?
Partners Bank of California holds more cash than debt, $47.3M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 24, 2026