Private Bancorp of America, Inc. (PBAM) Fair Value 2026

PBAM · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.2 /10

32 fundamental signals · 1 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-09-15, Private Bancorp of America, Inc. (PBAM) trades at $89.74. QOC: 6.2/10. Value Trap Risk: 0/100 (SAFE). 1/13 models active.

Key Facts

Ticker
PBAM
Price
$89.74
Quality Score
6.2/10
Value Trap Risk
0/100
Models Active
1/13
Last Updated
Strength: Regime Cross-Sectional suggests +12.3% upside with 12% confidence
Risk: Limited model coverage (1/13) may reduce confidence

What Fair Value Does Each Model Give PBAM?

1 Intrinsic Value Models vs. Current Price ($89.74)

Core Models (Unlocked)
Model Fair Value Upside
Relative · Low Conviction
 $100.75 +12.3%

All Models Active

All 1 models are displayed above.

What Is Private Bancorp of America, Inc. (PBAM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for Private Bancorp of America, Inc.. Trading at $89.74 against an estimated intrinsic value of $100.75, 1 of 1 active models flag meaningful upside of +12.3% at the median.

What Do the Models Say About PBAM?

1 of 13 models are currently active for PBAM. All 1 active models suggest the stock trades below fair value. See which stocks rank higher →

How Does PBAM Rank in Banks - Regional?

Among 352 Banks - Regional stocks, PBAM ranks #330 by Quality of Company score. CirclFi's QOC score of 6.2/10 evaluates 32 fundamental signals. A score of 6.2 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to banking businesses. For Private Bancorp of America, Inc., metrics like net interest margin (NIM) provide important context that general-purpose valuation models may underweight.

Is PBAM a Value Trap?

CirclFi's Value Trap algorithm assigns PBAM a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

1 of 13 models are active for Private Bancorp of America, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Private Bancorp of America, Inc. scores 6.2 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

CirclFi runs 13 independent models for each stock. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every PBAM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across PBAM's 1 active models, average confidence is 12%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Private Bancorp of America, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

WSBKWinchester Bancorp, Inc.QOC 6.2NSTSNSTS Bancorp, Inc.QOC 6.2FSEAFirst Seacoast Bancorp, Inc.QOC 6.2OZKBank OZKQOC 6.1AVBCAvidia Bancorp, Inc.QOC 6.3BCOW1895 Bancorp of Wisconsin, Inc.QOC 6.1CBSHCommerce Bancshares, Inc.QOC 8.5TRSTTrustCo Bank Corp NYQOC 8.1CFFIC&F Financial CorporationQOC 7.7STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: WSBK · NSTS · FSEA · OZK · AVBC · BCOW · CBSH · TRST · CFFI · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to PBAM?

7 companies across all industries closest to PBAM’s Quality of Company score of 6.2/10.

FNKOFunko, Inc.QOC 6.2OFIXOrthofix Medical Inc.QOC 6.2NWLNewell Brands Inc.QOC 6.2GETYGetty Images Holdings, Inc.QOC 6.2ZEPPZepp Health CorporationQOC 6.2YQ17 Education & Technology Group Inc.QOC 6.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FNKO · OFIX · NWL · GETY · ZEPP · YQ · NVDA

Where Does PBAM Sit in CirclFi's Banks - Regional Rankings?

PBAM is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Private Bancorp of America, Inc.’s Valuation?

What is Private Bancorp of America, Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for Private Bancorp of America, Inc. (PBAM). The Quality of Company score is 6.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PBAM overvalued or undervalued right now?

At $89.74, 1 of 1 active models suggest PBAM may be undervalued, while 0 indicate potential overvaluation. The assessment depends on which methodology best fits Private Bancorp of America, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 6.2 mean for PBAM?

Private Bancorp of America, Inc.'s QOC of 6.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on PBAM?

CirclFi analyzes PBAM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is PBAM a value trap in 2026?

Private Bancorp of America, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns Private Bancorp of America, Inc. (PBAM) a Quality of Company score of 6.2/10 across 32 fundamental signals as of 2026-09-15.” Source: circlfi.com/stock/PBAM/ · Methodology
Primary sources for this PBAM valuation
  • Financial statements: Private Bancorp of America, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001705284) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for PBAM as of ; valuations recomputed .