Private Bancorp of America is a profitable, attractively valued regional bank with strong margins, but the price already sits above its target, momentum is negative and earnings have been inconsistent, so there is no room to add.
Thesis pillars
- Attractive Bank Valuation→Stable
- Strong Margins Financial Health→Stable
- Target Already Reached→Stable
- +2 more pillars — see the Why tab for full reasoning
Private Bancorp of America, Inc (PBAM) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Sell if holding. Analyst target reached at $86.90 — A.R:R is negative (-1.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2).
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... Read more
Sell if holding. Analyst target reached at $86.90 — A.R:R is negative (-1.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2). Chart setup: No clear chart pattern; technical signals are mixed. Score 6.2/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-10-05Recent Developments — Private Bancorp of America, Inc
Latest news
- NEWS DA Davidson Maintains Buy on Private Bancorp, Raises Price Target to $105 — benzinga Aug 24, 2026 neutral
- NEWS Private Bancorp Of America Announces Nasdaq Global Select Market Uplisting, Trading Begins July 30 Under Ticker PBAM — benzinga Jul 29, 2026 neutral
Generated 2026-10-05T08:51:54Z.
Thesis
Key Metrics
Quality Signals
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $86.90 — A.R:R is negative (-1.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2). Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $83.12. Score 6.2/10, moderate confidence.
Take-profit target: $90.25 (-5.6% upside). Prior stop was $83.12. Stop-loss: $83.12.
Analyst target reached - limited upside remaining; Consecutive earnings misses (2); Negative momentum.
Private Bancorp of America, Inc trades at a P/E of 11.3 (forward 10.0). TrendMatrix value score: 7.9/10. Verdict: Sell.
10 analysts cover PBAM with a consensus score of 4.2/5. Average price target: $97.
What does Private Bancorp of America, Inc do?Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking...
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 checking services. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.