Friday 6 November 2026 Export PBAM’s income statement to Excel — free account

Private Bancorp of America, Inc.

Private Bancorp of America, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $172.3 million, up 6.87% from fiscal 2024.

Revenue: +1.51%
EPS: +27.2%
Free cash flow: +7,335.4%
Total debt: −27.3%

Quarter to June 2026, against a year earlier

Revenue growth 5 yrs

85.47 1.34 +1.59%

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Market cap: $482.0M
P/E: 10.8×
Fwd P/E: 10.1×
Dividend yield: —
F-score: n/a
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

Insider Decisions last twelve months

Trades a month
	Jan 26			Apr 26			Jul 26			Oct 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 29.41%

Capital & Financial Ratios $m

Size

Market Cap 482.02

Revenue ttm 175.44

Net income ttm 4.13

Free cash flow ttm 121.61

Net debt Q (296.70)

Valuation

P/E 10.81

Forward P/E 10.10

Price / sales 2.73

Forward P/S Powerpack

Price / FCF 3.94

Price / book 1.68

Financial health

Current ratio Q 1.00

Debt / equity Q 0.03

Interest coverage Q —

Growth

Revenue growth Q +1.51%

Operating income growth Q +20.36%

EPS, this year +23.45%

EPS, next year A +4.07%

Revenue, next year A −18.40%

EPS, past 5 yrs +28.96%

EPS, next 5 yrs A +11.79%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years

P/E against its own 10 years 94.08%

10-year low 10-year high

P/S against its own 10 years 95.64%

10-year low 10-year high

P/B against its own 10 years 96.14%

10-year low 10-year high

Dividends

Yield: —
Annual rate: —
Payout ratio: —

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	182	168	266	305
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,014	2,237	2,327	2,415

	2023	2024	2025	Q'26
Payables	1,875	2,134	2,272	2,381
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,967	2,172	2,308	2,423

Compound Annual Growth %

	10y	5y	3y
Sales	—	22.57%	23.46%
Cash Flow	—	8.16%	67.52%
Earnings	—	30.37%	18.07%
Book Value	—	15.51%	12.42%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.07 Actual 1.97

1.63 1.81 1.99 2.17 2.35

Q4 FY25 Miss −0.08

Q1 FY26 Beat +0.32

Q2 FY26 Beat +0.27

Q3 FY26 Miss −0.10

Q4 FY26 — Jan 15

Earnings per share against the consensus, by quarter
Quarter	Estimate	Reported	Result
Q4 FY25	1.79	1.71	Miss by 0.08
Q1 FY26	1.75	2.07	Beat by 0.32
Q2 FY26	2.00	2.27	Beat by 0.27
Q3 FY26	2.07	1.97	Miss by 0.10
Q4 FY26	2.06	—	Reports 15 January 2027

EPS $

	Mar	Jun	Sep	Dec	Year
’26	2.07	2.27	—	—	—
’25	1.80	1.77	1.65	1.71	6.92
’24	1.36	1.35	1.63	1.82	6.15
’23	1.57	2.69	1.47	1.36	7.11
’22	1.13	1.58	2.71	(1.07)	4.33
’21	0.81	0.75	0.89	1.28	3.69
’20	0.34	0.37	0.45	0.78	1.94

Fiscal quarters ending in the months shown.

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	44	44	—	—	—
’25	42	44	43	43	172
’24	37	40	41	42	161
’23	29	32	34	35	131
’22	21	29	32	9	92
’21	16	17	19	23	75
’20	15	15	15	17	62

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	13	—	—	—
’24	—	—	—	38	38
’23	—	—	—	—	34
’22	—	—	—	—	41
’21	—	—	—	—	8
’20	0	0	0	48	48
’19	—	—	—	9	25

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	12	—	—	—
’24	—	—	—	36	36
’23	—	—	—	(1)	33
’22	—	—	—	0	41
’21	—	—	—	(1)	7
’20	0	0	0	47	47
’19	—	—	—	7	24

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM Jun ’26	Trend	10 yrs	2026e	2027e	2028e	Next 3/yr
													Ten-year view		Analyst estimates Powerpack
Income, $m
Income, $m	Revenue	—	—	36	53	62	75	92	131	161	172	175		+25.1%	141	151	167	(1.0%)
	Gross margin, %	—	—	87.85	84.12	88.94	93.88	93.22	72.93	66.30	72.64	75.85		(15.2) pt	Powerpack Private Bancorp of America, Inc.’s next three years, line by line Analysts expect revenue to shrink 1.0% a year to 2028 — slower than the 25.1% of the last 7 years. See the consensus for every other line: earnings, margins, cash flow, valuation and returns. Unlock estimates Try Powerpack free for 7 days, then $99 / year ($8.25 a month). Cancel any time. Also in Powerpack: every quarter, Excel exports, API & MCP access. Compare plans
	EBT	—	—	6	(1)	16	30	35	57	51	58	63		+38.7%
	EBT margin, %	—	—	16.25	(1.10)	25.17	39.98	38.16	43.97	31.53	33.56	35.75		+17.3 pt
	Net income	—	—	4	0	11	21	25	41	36	0	4		n/m
Per share, $
Per share, $	Revenue	—	—	7.24	10.10	11.34	13.49	16.48	23.12	28.30	30.03	30.88		+22.5%
	Earnings	—	—	0.81	(0.08)	1.95	3.75	4.40	7.18	6.24	7.03	7.79		+36.1%
	Cash flow	—	—	1.39	4.86	8.65	1.45	7.41	5.94	6.62	0.00	21.95		n/m
	Capex	—	—	(0.25)	(0.31)	(0.05)	(0.10)	(0.07)	(0.15)	(0.27)	0.00	(0.54)		n/m
	Free cash flow	—	—	1.14	4.55	8.60	1.35	7.35	5.79	6.36	0.00	21.41		n/m
	Book value	—	—	16.80	18.23	19.61	23.19	25.80	32.90	39.23	46.00	50.26		+15.5%
	Shares, m	—	—	5	5	5	6	6	6	6	6	6		+2.1%
Valuation, ×
Valuation, ×	P/E	—	—	9.54	9.54	9.54	7.13	7.29	5.01	9.27	8.18	10.81		8.2
	P/S	—	—	0.00	0.00	1.63	2.00	1.96	1.55	2.04	1.92	2.73		1.4
	P/B	—	—	0.00	0.00	0.94	1.16	1.26	1.09	1.47	1.25	1.68		0.9
	EV/Sales	—	—	0.00	0.00	(7.30)	0.06	0.80	0.79	1.17	1.05	0.97		(0.4)
	EV/FCF	—	—	0.00	0.00	(9.62)	0.08	0.77	0.80	2.30	1.91	1.40		(0.5)
Cash, $m
Cash, $m	Operating cash flow	—	—	7	25	48	8	41	34	38	—	125		+32.7%
	Capex	—	—	(1)	(2)	0	(1)	0	(1)	(2)	—	(3)		+3.2%
	Free cash flow	—	—	6	24	47	7	41	33	36	—	122		+36.3%
Balance, $m
Balance, $m	Working capital	—	—	(25)	33	67	1	6	47	64	7	(8)		n/m
	Net debt	—	—	(46)	(111)	(282)	(155)	(137)	(182)	(140)	(148)	(297)		+18.3%
	Shareholders’ equity	—	—	84	96	108	128	143	186	224	264	286		+17.9%
Returns, %
Returns, %	ROA	—	—	0.00	(0.04)	0.89	1.46	1.45	2.02	1.55	1.58	1.72		+1.6 pt
	ROIC	—	—	9.70	0.00	0.00	0.00	323.11	974.36	38.07	31.27	0.00		+21.6 pt
	ROE	—	—	0.00	(0.47)	10.53	17.57	18.04	24.65	17.37	15.46	16.70		+15.5 pt
People
People	Employees	—	—	130	134	185	185	185	207	0	0	—		n/m
	Revenue/emp, $m	—	—	0.28	0.40	0.34	0.40	0.49	0.63	0.00	0.00	—		n/m

Negative figures in brackets.

estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
OBT Orange County Bancorp, Inc.	$534.6M	11.2×	10.5×	−16.27% (below 0%: shrinking)	+17.24% (above 0%: growing)	+491.65% (above 0%: growing)	81.95%	0.00%	Compare
PDLB Ponce Financial Group, Inc.	$528.0M	11.3×	2.1×	+20.72% (above 0%: growing)	+188.89% (above 0%: growing)	+1,603.44% (above 0%: growing)	59.70%	0.00%	Compare
WTBA West Bancorporation, Inc.	$523.4M	12.9×	11.5×	+1.00% (above 0%: growing)	+24.04% (above 0%: growing)	+44.69% (above 0%: growing)	56.06%	0.00%	Compare
CZNC Citizens & Northern Corp	$507.1M	19.2×	12.9×	+26.53% (above 0%: growing)	+97.50% (above 0%: growing)	+90.26% (above 0%: growing)	76.74%	0.00%	Compare
FMAO Farmers & Merchants Bancorp Inc.	$500.5M	11.6×	11.3×	+6.18% (above 0%: growing)	+32.48% (above 0%: growing)	+35.98% (above 0%: growing)	67.12%	0.00%	Compare
FRBA First Bank	$493.4M	11.6×	11.5×	−3.96% (below 0%: shrinking)	+7.32% (above 0%: growing)	−48.72% (below 0%: shrinking)	62.19%	0.00%	Compare
PBAM Private Bancorp of America, Inc.	$482.0M	10.8×	10.1×	+1.51% (above 0%: growing)	+27.22% (above 0%: growing)	+7,335.44% (above 0%: growing)	77.85%	0.00%
HBCP Home Bancorp, Inc.	$478.0M	10.6×	10.7×	+1.86% (above 0%: growing)	−18.75% (below 0%: shrinking)	+17.52% (above 0%: growing)	74.37%	0.00%	Compare
BMRC Bank of Marin Bancorp	$463.9M	— (loss-making)	11.9×	+10.24% (above 0%: growing)	+31.91% (above 0%: growing)	+32.70% (above 0%: growing)	0.00%	0.00%	Compare
Median of peers	$503.8M	11.6×	11.4×	+4.02%	+27.98%	+40.34%	64.66%	0.00%

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