Value
9.1/10data confidence 67%| Component | Sub-score |
|---|---|
| P/E | 8.8 |
| P/S | 7.7 |
| Fwd P/E | 9.3 |
| PEG | 10.0 |
- ▸Forward P/E: 9.9x
- ▸PEG: 0.35
- ▸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 score6.3/10
ConfidenceMEDIUM
MacroNEUTRAL
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
5.5/10data confidence 67%| Component | Sub-score |
|---|---|
| LLM sentiment | 6.0 |
| Analyst rating | 5.0 |
Insider
5.0/10data confidence 50%Peer rank
6.2/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 6.6 |
| quality rank | 8.2 |
| growth rank | 4.9 |
- ▸Superior ROE vs peers
Technical
5.0/10data confidence 50%Risk (lower is worse)
8.0/10data confidence 40%| Component | Sub-score |
|---|---|
| beta | 10.0 |
| news risk | 6.0 |
Catalyst
4.6/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 3.3 |
| surprise avg | 5.2 |
| news activity | 5.0 |
- ▸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 Value at 9.1 and asymmetric R:R of 0.00.
The strongest dimensions are Value at 9.1, Risk (lower is worse) at 8.0, and Growth at 6.8; the weakest are Catalyst at 4.6, Technical at 5.0, and Insider 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.