Stock fact sheet · data as of
Private Bancorp of America, Inc. (PBAM): fair value, margin of safety and Wheel Score
Ticker symbol PBAM · Financial Services · Banks - Regional · United States · Value
Is PBAM undervalued?
Private Bancorp of America, Inc. (PBAM) closed at 87.43 on 5 Nov 2026. The GLS average fair value - the simple average of the 8 valuation models that produced a positive number - is 129.30, which puts the price 32% below it. 7 of the 8 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The 8 models disagree widely: Lynch gives 52.15 while GLS Growth gives 171.27. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, PBAM is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 60, growth score 29, out of 100).
Nine valuation models for PBAM
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 163.37 | +87% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 97.17 | +11% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 170.01 | +94% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 52.15 | -40% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 171.27 | +96% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 157.41 | +80% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 132.12 | +51% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 90.94 | +4% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -331.64 | -479% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 104.00 | +19% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - PBAM passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.7 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are high - ROIC 13.9%, ROE 15.4%, ROA 1.6% - with debt at 0.11 times equity and a free-cash-flow yield of 5.3%.
Private Bancorp of America, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 13.9% |
|---|---|---|---|
| GLS Moat | 5.7 / 10 | ROE | 15.4% |
| Debt / equity | 0.11 | ROA | 1.6% |
| Free-cash-flow yield | 5.3% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 33: No options
PBAM has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (33 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 47k shares a day on a market cap of $501M, with a beta of 0.07 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $501M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 32% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 5.7/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.07, $501M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 15 Jan 2027, 71 days away - outside the window of a 30-45-day put sold today.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Private Bancorp of America, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FRBA First Bank | 20.54 | 28.65 | +28% | 48Weak | $508M |
| CZNC Citizens & Northern Corporation | 28.56 | 32.46 | +12% | 43Weak | $512M |
| HBCP Home Bancorp, Inc. | 61.91 | 89.80 | +31% | 53Fair | $487M |
| FMAO Farmers & Merchants Bancorp, Inc. | 37.48 | 38.63 | +3% | 41Weak | $516M |
| FFMR First Farmers Financial Corporation | 37.50 | 61.98 | +39% | 38No options | $520M |
| BMRC Bank of Marin Bancorp | 29.52 | 51.77 | +43% | 48Weak | $479M |
| WTBA West Bancorporation, Inc. | 31.13 | 31.73 | +2% | 40Weak | $531M |
| PDLB Ponce Financial Group, Inc. | 22.18 | 71.16 | +69% | 46Weak | $536M |
| PBFS Pioneer Bancorp, Inc. | 18.80 | 11.70 | -61% | 16No options | $467M |
| OBT Orange County Bancorp, Inc. | 40.42 | 67.81 | +40% | 32No options | $542M |
| NRIM Northrim BanCorp, Inc. | 24.50 | 63.91 | +62% | 50Fair | $545M |
| CBK Commercial Bancgroup, Inc. Common Stock | 33.52 | 30.79 | -9% | 20No options | $460M |
⚖ Compare PBAM with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about PBAM
Is PBAM undervalued right now?
By the GLS models, yes: at 87.43 the stock is 32% below the average fair value of 129.30 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of PBAM and what does it mean?
PBAM has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PBAM?
129.30 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Private Bancorp of America, Inc. report earnings next?
The next earnings report is due on 15 Jan 2027, 71 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does PBAM have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PBAM, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.