Value
9.1/10data confidence 67%| Component | Sub-score |
|---|---|
| P/E | 8.7 |
| P/S | 7.6 |
| Fwd P/E | 9.3 |
| PEG | 10.0 |
- ▸Forward P/E: 10.1x
- ▸PEG: 0.36
- ▸Attractively valued
PBAM · Why this verdict
Why Private Bancorp of America (PBAM) is rated DATA_ISSUE
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictDATA_ISSUE
Overall score6.4/10
ConfidenceMEDIUM
MacroNEUTRAL
TrendMatrix Research · core thesis
Engine thesis — one sentence
Private Bancorp of America shows an attractively valued, high-margin regional-bank profile with superior peer ROE, but a missing price feed left this run without a computable trade setup and its recent earnings record has been mixed.
Falsifiable statement — pillar-level invalidators below. Engine-derived; not personalized advice.
Thesis pillars
| Pillar | Expectation | Trend |
|---|---|---|
Private Bancorp trades at an attractive forward P/E near 9.9x with a PEG ratio of 0.35, which the engine flags as attractively valued. Valuation breakdown | Forward P/E should hold below 12x while earnings growth continues, keeping the PEG ratio under 0.5. | →Stable |
| CounterRegional banks often carry structurally low multiples due to rate and credit-cycle risk, so this reading may reflect sector-wide discounting rather than company-specific mispricing. | ||
The bank shows strong margins of roughly 35% and a solid Piotroski F-Score of 7 out of 9. Quality breakdown | The Piotroski F-Score should hold at or above 6 out of 9 and margins should stay near current levels. | →Stable |
| CounterBank margins are highly sensitive to net-interest-margin swings tied to rate cycles, so a 35% margin read could compress quickly if funding costs rise. | ||
The bank posts superior return on equity relative to its regional-bank peer group. Peer-rank breakdown | ROE should stay above the peer median over the next several quarters. | →Stable |
| CounterA peer-relative ROE edge can narrow quickly if peers improve profitability or if this bank's own credit costs rise faster than peers'. | ||
No current price was available this run, so the engine could not compute an entry, target, or stop despite otherwise solid fundamentals. Bear case | A valid, non-null price should return within the next data run, restoring a computable trade setup. | →Stable |
| CounterPersistent pricing gaps on a small regional bank below institutional reach may reflect genuine thin-liquidity trading rather than a transient data issue. | ||
The bank's earnings history is mixed -- 2 beats and 2 misses over the last four quarters, with the engine flagging earnings concerns. Catalyst breakdown | The beat rate should improve to at least 3 of the next 4 quarters. | →Stable |
| CounterA 50/50 beat-miss record for a bank often reflects genuine unpredictability in provisioning and net-interest income, which may not resolve into a cleaner trend within 12 months. | ||
Private Bancorp trades at an attractive forward P/E near 9.9x with a PEG ratio of 0.35, which the engine flags as attractively valued.
→StableValuation breakdown
- Expectation
- Forward P/E should hold below 12x while earnings growth continues, keeping the PEG ratio under 0.5.
CounterRegional banks often carry structurally low multiples due to rate and credit-cycle risk, so this reading may reflect sector-wide discounting rather than company-specific mispricing.
The bank shows strong margins of roughly 35% and a solid Piotroski F-Score of 7 out of 9.
→StableQuality breakdown
- Expectation
- The Piotroski F-Score should hold at or above 6 out of 9 and margins should stay near current levels.
CounterBank margins are highly sensitive to net-interest-margin swings tied to rate cycles, so a 35% margin read could compress quickly if funding costs rise.
The bank posts superior return on equity relative to its regional-bank peer group.
→StablePeer-rank breakdown
- Expectation
- ROE should stay above the peer median over the next several quarters.
CounterA peer-relative ROE edge can narrow quickly if peers improve profitability or if this bank's own credit costs rise faster than peers'.
No current price was available this run, so the engine could not compute an entry, target, or stop despite otherwise solid fundamentals.
→StableBear case
- Expectation
- A valid, non-null price should return within the next data run, restoring a computable trade setup.
CounterPersistent pricing gaps on a small regional bank below institutional reach may reflect genuine thin-liquidity trading rather than a transient data issue.
The bank's earnings history is mixed -- 2 beats and 2 misses over the last four quarters, with the engine flagging earnings concerns.
→StableCatalyst breakdown
- Expectation
- The beat rate should improve to at least 3 of the next 4 quarters.
CounterA 50/50 beat-miss record for a bank often reflects genuine unpredictability in provisioning and net-interest income, which may not resolve into a cleaner trend within 12 months.
Per-dimension breakdown
Quality
5.8/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 5.6 |
| ROA | 1.2 |
| Gross margin | 0.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 5.9 |
| Piotroski F | 7.8 |
- ▸Strong margins: 35%
- ▸Strong Piotroski F-Score: 7/9
Growth
6.8/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 5.9 |
| EPS growth | 7.6 |
Momentum
5.0/10data confidence 50%Sentiment
6.3/10data confidence 67%| Component | Sub-score |
|---|---|
| Analyst rating | 7.1 |
| erm sentiment | 5.0 |
- ▸Light analyst coverage (4.0) — signal dampened
Insider
4.8/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 4.7 |
- ▸No net insider activity — $0 (0.000% of mkt cap)
Peer rank
6.0/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 6.0 |
| quality rank | 8.2 |
| growth rank | 4.8 |
- ▸Superior ROE vs peers
Technical
5.0/10data confidence 50%Risk (lower is worse)
10.0/10data confidence 40%| Component | Sub-score |
|---|---|
| days to cover | 10.0 |
| beta | 10.0 |
Catalyst
4.5/10data confidence 75%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 3.3 |
| surprise avg | 5.2 |
- ▸Earnings concerns: 2B/2M
How the verdict was assembled
Engine trigger
No current price available — cannot compute entry, target, or stop. Upstream data source (Alpaca/yfinance) did not return a price for this run.
Engine technical detail
verdict_path:
L0:DATA_ISSUE_NO_PRICEPassed (7)
- MOMENTUM:5.0>=4.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:NO_DATE
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (0)
none
Warning (2)
- MOMENTUM:5.0<5.5 (soft — BUY_NOW allowed but watch)
- ASYMMETRY:UPSIDE_EXHAUSTED (upside=0.0%)
Reward-to-Risk
0.00
Upside
+0.0%
Downside
0.0%
Sizing output
AVOID
Setup— — No clear chart pattern; technical signals are mixed
EdgeInst Constrain — Small cap ($0.5B) below institutional reach
SuitabilityAggressive — MCap $0.5B<$5B
Investment implication
The DATA_ISSUE verdict reflects clean gate clearance against Risk (lower is worse) at 10.0 and asymmetric R:R of 0.00.
The strongest dimensions are Risk (lower is worse) at 10.0, Value at 9.1, and Growth at 6.8; the weakest are Catalyst at 4.5, Insider at 4.8, and Technical at 5.0. The V9 engine cleared all gates with 2 warnings, producing an asymmetric reward-to-risk of 0.00 and an engine sizing output of AVOID.
What would invalidate the thesis
Falsifying conditions — when triggered, the corresponding pillar's thesis is invalidated.
- P1Attractive Forward Valuation
Trip ifForward P/E rises above 14x from the current 9.9x, or PEG ratio exceeds 1.0 from 0.35.
- P2Strong Margins And Piotroski Score
Trip ifPiotroski F-Score falls below 5 out of 9 from the current 7.
- P3Superior Roe Vs Peers
Trip ifROE falls below 4.0 out of 10 from the current 5.6, dropping below the peer-group median and reversing its current superior-ROE standing.
- P4Price Data Outage Blocks Trade Setup
Trip ifThe price-data outage persists for more than 5 consecutive nightly runs without a valid price.
- P5Mixed Earnings Track Record
Trip ifEPS surprise stays above 0% in all of the next 4 reported quarters, ending the current mixed 2-beat, 2-miss track record.