Private Bancorp of America, Inc.

Private Bancorp of America, Inc.

PBAM
Private Bancorp of America, Inc.US flagOther OTC
80.50
USD
+0.14
- -
461.12MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.33
3.77
4.95
5.05
4.99
6.36
8.49
10.08
12.67
15.37
16.87
18.76
21.81
20.54
Basic EPS, GAAP
0.85
0.62
1.21
1.08
0.73
0.83
-0.08
1.98
3.8
4.45
7.23
6.29
7.09
7.18
Free Cash Flow per Basic Share
0.6
1.02
1.54
1.34
1.27
1.12
4.55
8.6
1.35
7.35
5.79
6.36
7.95
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
12.63
12.17
11.97
14.14
16.41
16.44
17.54
18.83
22.72
27.01
33.75
39.95
46.09
43.51
Tangible Book Value per Share
13.16
12.68
12.52
14.71
16.93
16.8
18.23
19.61
23.19
25.8
32.9
39.23
46
43.11
Basic Weighted Avg Shares
4
4
4
4
5
5
5
5
6
6
6
6
6
6
Sales/Revenue/Turnover
12
15
20
20
23
32
45
55
70
85
95
107
125
118
Operating Margin (%)
35.93
28.4
41.5
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
1
1
1
1
1
1
1
- -
Net Income, GAAP
3
3
5
4
3
4
- -
11
21
25
41
36
41
41
Effective Tax Rate (%)
29.3
41.91
41.32
38.22
56.76
29.28
- -
30.52
29.58
29.29
28.84
29.55
29.68
29.6
Profit Margin (%)
25.4
16.5
24.35
21.43
14.62
13.08
-0.96
19.66
29.99
28.95
42.9
33.51
32.49
34.94
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
12
64
60
76
58
63
108
93
28
18
75
26
26
29
Total Equity
49
51
51
59
80
84
96
108
128
143
186
224
264
247
Return on Invested Capital (%)
6.3
2.86
4.33
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.48
5.25
10.02
8.2
5.13
5.21
-0.49
11.14
18.35
17.92
23.99
17.13
16.53
18.03

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
20
- -
- -
LT Borrowings
26
34
29
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6
6
6
Market Capitalization
329
314
311

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
313
379
334
Accounts Receivable, Net
8
8
9
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
20
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
18.12%
19.76%
18.09%
Free Cash Flow
79.5%
75.86%
26%
Net Income, GAAP
-258.77%
35.43%
13.52%
Sales/Revenue/Turnover
20.52%
17.84%
17.08%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
24
26
27
29
107
2025
29
32
32
- -
125
2026
35
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.39
1.37
1.66
1.86
6.29
2025
1.84
1.82
1.75
- -
7.09
2026
2.11
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Richard L. Sowers
Full Time Employees
12
Sector
Financial Services
Industry
Banks - Regional
Address
9404 Genesee Avenue La Jolla CA United States of America 92037
IPO Date
Feb 22, 2012
Business
Private Bancorp of America, Inc. (OTCQX: PBAM) operates as the holding company for CalPrivate Bank, a California-chartered commercial bank providing customized deposit, lending, treasury management, and digital banking services to high net worth individuals, professionals, real estate investors, small-to-middle market businesses, and closely held enterprises primarily in coastal Southern California. CalPrivate Bank offers personal and business checking, savings, money market, certificate of deposit, sweep, zero balance, and individual retirement accounts; unsecured and secured personal credit lines, term loans; business checking and savings accounts; treasury management services including merchant card processing, bill pay, positive pay, e-statements, remote deposit capture, ACH origination, wire transfers, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault services, and gift and business credit cards; commercial loans such as term credit facilities, equipment and business expansion loans, working capital lines of credit, commercial real estate financing, construction loans, letters of credit, business start-up loans, acquisition and partner buyout loans, owner-occupied commercial real estate loans, SBA 7(a) and 504 loans, and IntraFi CDARS and ICS products; wealth management and legal services; online banking, ATM/debit cards, credit cards, overdraft protection, direct deposits, and safe deposit boxes. Founded in 2006 and headquartered in La Jolla, California, the bank maintains full-service branches in Coronado, San Diego, La Jolla, Newport Beach, Beverly Hills, South Bay, and Montecito (opened in third quarter 2025), with a Private Business Capital division in Coronado serving the Los Angeles, Orange, San Diego, and Santa Barbara County markets; it ranks as the top U.S. community bank SBA 504 lender, holds a BauerFinancial 5-Star rating, and places in the top 5% of U.S. banks with $2 billion to $10 billion in assets by performance metrics. Recent developments include the September 2025 announcement of a $5 million stock repurchase program authorized through December 31, 2025; board appointments of Kathy Moe Lonowski in September 2025 and Angel Martinez in August 2025; continued core deposit growth to $2.27 billion and strong net income in third quarter 2025 amid disciplined lending and balance sheet management; ongoing investments in technology, fintech partnerships via BankTech Ventures, BankTech Consortium, and JAM FINTOP, product strategy enhancements, and cybersecurity; and strategic expansion with top-tier talent hires including eight relationship managers in 2025 targeting high net worth, legal, property management, and family office segments, alongside IPO and M&A readiness initiatives.

Company News

APIChatGPT
  • Private Bancorp of America, Inc. (PBAM) Tops Q2 Earnings and Revenue Estimates

  • Here's What Key Metrics Tell Us About Private Bancorp of America (PBAM) Q2 Earnings

  • Private Bancorp of America, Inc. Announces Continued Strong Net Income for Second Quarter 2026 and Intent to Uplist to the NASDAQ Stock Market

  • CalPrivate Bank Appoints Robert Tidd as General Counsel

  • CalPrivate Bank Appoints Veteran Credit Executive as Acting Chief Credit Officer

  • Private Bancorp of America (PBAM) Is a Great Choice for 'Trend' Investors, Here's Why

  • Best Value Stocks to Buy for May 12th

  • Here's Why Momentum in Private Bancorp of America (PBAM) Should Keep going

  • Why Private Bancorp of America (PBAM) Might be Well Poised for a Surge

  • Private Bancorp of America, Inc. (PBAM) Tops Q1 Earnings and Revenue Estimates

  • Private Bancorp of America, Inc. Announces Continued Strong Net Income for First Quarter 2026

  • CalPrivate Bank Strengthens Leadership Team With Appointment of Michael Pierron as Chief Operating Officer

  • Private Bancorp of America, Inc. Announces Continued Strong Net Income for Fourth Quarter 2025

  • Earnings Preview: Private Bancorp of America, Inc. (PBAM) Q4 Earnings Expected to Decline

  • Wall Street Analysts See a 29.22% Upside in Private Bancorp of America (PBAM): Can the Stock Really Move This High?

  • Wall Street Analysts Think Private Bancorp of America (PBAM) Could Surge 29.49%: Read This Before Placing a Bet

  • Should Value Investors Buy Private Bancorp of America (PBAM) Stock?

  • Private Bancorp of America, Inc. (PBAM) Misses Q3 Earnings and Revenue Estimates

  • Private Bancorp of America: High-Net-Worth Clients Boost Its Performance

  • Are Investors Undervaluing Private Bancorp of America (PBAM) Right Now?