Private Bancorp of America, Inc. Logo

Private Bancorp of America, Inc.

PBAM

(3.0)
Stock Price

48,40 USD

1.4% ROA

16.93% ROE

8.09x PER

Market Cap.

261.226.152,00 USD

32.75% DER

0% Yield

23.34% NPM

Private Bancorp of America, Inc. Stock Analysis

Private Bancorp of America, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Private Bancorp of America, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (25.37%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

4 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

5 ROA

The stock's ROA (1.95%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.07x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

7 DER

The stock maintains a fair debt to equity ratio (57%), indicating a reasonable balance between the money it owes and the ownership it possesses.

8 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

9 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

10 Dividend

The company's decision to withhold dividends for three years raises questions about its ability to generate consistent returns.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (-375), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Private Bancorp of America, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Private Bancorp of America, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Private Bancorp of America, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Private Bancorp of America, Inc. Revenue
Year Revenue Growth
2006 1.185.000
2011 4.143.669 71.4%
2012 6.931.327 40.22%
2013 12.303.343 43.66%
2014 15.297.516 19.57%
2015 20.238.375 24.41%
2016 20.168.899 -0.34%
2017 23.429.174 13.92%
2018 31.613.552 25.89%
2019 44.576.190 29.08%
2020 55.390.125 19.52%
2021 70.129.163 21.02%
2022 85.364.000 17.85%
2023 97.656.000 12.59%
2023 101.083.000 3.39%
2024 160.800.000 37.14%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Private Bancorp of America, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Private Bancorp of America, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 1.092.000
2011 2.435.202 55.16%
2012 3.803.448 35.97%
2013 6.993.965 45.62%
2014 8.151.015 14.2%
2015 9.767.678 16.55%
2016 10.473.153 6.74%
2017 12.286.483 14.76%
2018 20.081.107 38.82%
2019 27.915.640 28.07%
2020 27.461.330 -1.65%
2021 30.561.249 10.14%
2022 39.560.000 22.75%
2023 30.048.000 -31.66%
2023 8.579.000 -250.25%
2024 35.344.000 75.73%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Private Bancorp of America, Inc. EBITDA
Year EBITDA Growth
2006 -708.000
2011 2.069.820 134.21%
2012 3.139.210 34.07%
2013 5.834.015 46.19%
2014 5.819.512 -0.25%
2015 10.173.684 42.8%
2016 9.330.456 -9.04%
2017 10.720.148 12.96%
2018 10.707.786 -0.12%
2019 86.065 -12341.51%
2020 16.481.418 99.48%
2021 30.779.198 46.45%
2022 42.065.000 26.83%
2023 48.400.000 13.09%
2023 -1.180.000 4201.69%
2024 -264.000 -346.97%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Private Bancorp of America, Inc. Gross Profit
Year Gross Profit Growth
2006 1.185.000
2011 4.143.669 71.4%
2012 6.931.327 40.22%
2013 12.303.343 43.66%
2014 15.297.516 19.57%
2015 20.238.375 24.41%
2016 20.168.899 -0.34%
2017 23.429.174 13.92%
2018 31.613.552 25.89%
2019 44.576.190 29.08%
2020 55.390.125 19.52%
2021 70.129.163 21.02%
2022 85.364.000 17.85%
2023 97.656.000 12.59%
2023 130.584.000 25.22%
2024 160.800.000 18.79%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Private Bancorp of America, Inc. Net Profit
Year Net Profit Growth
2006 -1.177.000
2011 734.570 260.23%
2012 1.252.109 41.33%
2013 3.125.278 59.94%
2014 2.523.594 -23.84%
2015 4.928.483 48.8%
2016 4.321.382 -14.05%
2017 3.424.639 -26.19%
2018 4.135.611 17.19%
2019 -428.438 1065.28%
2020 10.891.400 103.93%
2021 21.030.000 48.21%
2022 24.709.000 14.89%
2023 33.956.000 27.23%
2023 40.563.000 16.29%
2024 31.308.000 -29.56%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Private Bancorp of America, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 -1
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 1 0%
2019 0 0%
2020 2 100%
2021 4 66.67%
2022 4 25%
2023 6 20%
2023 7 28.57%
2024 5 -40%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Private Bancorp of America, Inc. Free Cashflow
Year Free Cashflow Growth
2006 0
2007 0 0%
2011 2.221.455 100%
2012 1.983.686 -11.99%
2013 2.213.413 10.38%
2014 4.127.644 46.38%
2015 6.308.403 34.57%
2016 5.355.524 -17.79%
2017 5.969.995 10.29%
2018 5.578.002 -7.03%
2019 7.299.168 23.58%
2020 47.228.182 84.54%
2021 7.465.126 -532.65%
2022 47.034.000 84.13%
2023 32.688.000 -43.89%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Private Bancorp of America, Inc. Operating Cashflow
Year Operating Cashflow Growth
2006 0
2007 0 0%
2011 2.221.455 100%
2012 2.029.655 -9.45%
2013 2.431.841 16.54%
2014 4.433.207 45.14%
2015 6.593.160 32.76%
2016 5.536.729 -19.08%
2017 6.892.084 19.67%
2018 6.900.219 0.12%
2019 8.912.583 22.58%
2020 47.517.523 81.24%
2021 8.025.892 -492.05%
2022 47.398.000 83.07%
2023 33.523.000 -41.39%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Private Bancorp of America, Inc. Capital Expenditure
Year Capital Expenditure Growth
2006 0
2007 0 0%
2011 0 0%
2012 45.969 100%
2013 218.428 78.95%
2014 305.563 28.52%
2015 284.757 -7.31%
2016 181.205 -57.15%
2017 922.089 80.35%
2018 1.322.217 30.26%
2019 1.613.415 18.05%
2020 289.341 -457.62%
2021 560.766 48.4%
2022 364.000 -54.06%
2023 835.000 56.41%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Private Bancorp of America, Inc. Equity
Year Equity Growth
2006 11.728.000
2011 27.347.556 57.11%
2012 28.757.501 4.9%
2013 48.610.998 40.84%
2014 51.491.229 5.59%
2015 51.152.065 -0.66%
2016 58.796.586 13%
2017 79.521.089 26.06%
2018 83.551.454 4.82%
2019 95.679.749 12.68%
2020 107.752.482 11.2%
2021 128.363.868 16.06%
2022 143.324.000 10.44%
2023 174.679.000 17.95%
2023 185.783.000 5.98%
2024 201.442.000 7.77%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Private Bancorp of America, Inc. Assets
Year Assets Growth
2006 31.289.000
2011 160.807.506 80.54%
2012 165.408.001 2.78%
2013 323.653.233 48.89%
2014 423.137.166 23.51%
2015 453.753.512 6.75%
2016 545.674.406 16.85%
2017 671.245.076 18.71%
2018 847.164.002 20.77%
2019 1.065.986.643 20.53%
2020 1.329.739.749 19.83%
2021 1.517.083.967 12.35%
2022 1.854.880.000 18.21%
2023 2.074.219.000 10.57%
2023 2.152.468.000 3.64%
2024 2.285.684.000 5.83%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Private Bancorp of America, Inc. Liabilities
Year Liabilities Growth
2006 25.000
2011 133.459.950 99.98%
2012 136.650.500 2.33%
2013 275.042.235 50.32%
2014 371.645.937 25.99%
2015 402.601.447 7.69%
2016 486.877.820 17.31%
2017 591.723.987 17.72%
2018 763.612.548 22.51%
2019 970.306.894 21.3%
2020 1.221.987.267 20.6%
2021 1.388.720.099 12.01%
2022 1.711.556.000 18.86%
2023 1.899.540.000 9.9%
2023 1.966.685.000 3.41%
2024 2.084.242.000 5.64%

Private Bancorp of America, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
24.05
Net Income per Share
5.61
Price to Earning Ratio
8.09x
Price To Sales Ratio
1.9x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.29
EV to Sales
1.2
EV Over EBITDA
14.36
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.12
FreeCashFlow Yield
0
Market Cap
0,26 Bil.
Enterprise Value
0,16 Bil.
Graham Number
66.78
Graham NetNet
-316.48

Income Statement Metrics

Net Income per Share
5.61
Income Quality
0
ROE
0.17
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.7
EBT Per Ebit
1.29
Ebit per Revenue
0.26
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.21
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1
Operating Profit Margin
0.26
Pretax Profit Margin
0.33
Net Profit Margin
0.23

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.09
Return on Tangible Assets
0.01
Days Sales Outstanding
21.04
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
17.35
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
49,83
Book Value per Share
35,32
Tangible Book Value per Share
34.94
Shareholders Equity per Share
35.32
Interest Debt per Share
18.17
Debt to Equity
0.33
Debt to Assets
0.03
Net Debt to EBITDA
-8.41
Current Ratio
0.24
Tangible Asset Value
0,20 Bil.
Net Current Asset Value
-1,91 Bil.
Invested Capital
-533838000
Working Capital
-0,54 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
38664500
Debt to Market Cap
0.25

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Private Bancorp of America, Inc. Dividends
Year Dividends Growth

Private Bancorp of America, Inc. Profile

About Private Bancorp of America, Inc.

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's personal banking services include personal checking and savings, money market, certificate of deposit, and retirement accounts; personal credit lines and term loans; additional services, such as direct deposits, online banking, ATMs/debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. Its business banking services consist of business checking and savings accounts, sweep accounts; and business services comprising treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, wire transfer services, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services. The company also offers commercial real estate, small business administration, construction, and equipment and business expansion loans, as well as working capital lines of credit and letters of credit. The company has offices in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.

CEO
Mr. Richard L. Sowers
Employee
12
Address
9404 Genesee Avenue
La Jolla, 92037

Private Bancorp of America, Inc. Executives & BODs

Private Bancorp of America, Inc. Executives & BODs
# Name Age
1 Mr. Richard L. Sowers
Chief Executive Officer, President & Director
70
2 Mr. Cory D. Stewart
Executive Vice President, Corporate Secretary & Chief Financial Officer
70
3 Ms. Karen L. Lister
EVice President & Chief Administrative Officer
70
4 Mr. Mark Hettel
Senior Vice President of Finance Strategy & Transformation
70
5 Mr. Kevin Campbell
Executive Vice President & Director of Specialty Banking
70
6 Tony Dal Maso
Senior Vice President of Accounting & Financial Reporting
70
7 Mr. Curtis Birkmann
Executive Vice President & Chief Technology Officer
70
8 Mr. Scott Hurtik
Executive Vice President & Chief Information Officer
70
9 Ms. Zina Robinson
Executive Vice President & Chief People Officer
70
10 Mr. Robert L. Llorens
Executive Vice President & Chief Credit Officer
70

Private Bancorp of America, Inc. Competitors