NASDAQ : PBAM
Private Bancorp of America, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 85.34 USD (Oct 30, 2026, 2:50 PM EDT) · Market cap 488.98M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 153.34M | 148.63M | 142.16M | 116.55M | 80.92M | 61.81M |
| Interest Income on Investments | 18.91M | 16.75M | 12.74M | 9.11M | 3.61M | 1.56M |
| Total Interest Income | 172.26M | 165.38M | 154.89M | 125.66M | 84.53M | 63.37M |
| Interest Paid on Deposits | 39.18M | 45.07M | 50.94M | 30.59M | 4.90M | 1.69M |
| Interest Paid on Borrowings | 1.75M | 2.08M | 3.41M | 4.75M | 1.31M | 2.88M |
| Total Interest Expense | 40.93M | 47.15M | 54.34M | 35.34M | 6.21M | 4.57M |
| Net Interest Income | 131.33M | 118.23M | 100.55M | 90.32M | 78.32M | 58.79M |
| Other Non-Interest Income | 2.09M | 2.39M | 1.60M | 1.73M | 1.51M | 1.08M |
| Total Non-Interest Income | 5.78M | 6.93M | 6.34M | 4.62M | 7.34M | 11.34M |
| Revenues Before Loan Losses | 137.12M | 125.16M | 106.90M | 94.94M | 85.67M | 70.13M |
| Provision for Loan Losses | 5.63M | 5.94M | 2.69M | -6.15M | 2.18M | 2.71M |
| Revenue | 131.48M | 119.22M | 104.21M | 101.08M | 83.49M | 67.42M |
| Salaries and Employee Benefits | 42.17M | 39.61M | 34.27M | 29.19M | 29.15M | 23.05M |
| Occupancy Expenses | 1.30M | 1.14M | 1.28M | 1.34M | 1.35M | 1.37M |
| Federal Deposit Insurance | 1.40M | 1.40M | 1.44M | 1.19M | 858.00K | 515.00K |
| Selling, General & Administrative | 20.17M | 19.23M | 16.37M | 12.25M | 16.88M | 12.62M |
| Total Non-Interest Expense | 66.65M | 61.38M | 53.36M | 43.97M | 48.24M | 37.55M |
| EBT Excluding Unusual Items | 64.83M | 57.83M | 50.85M | 57.11M | 35.25M | 29.86M |
| Asset Writedown | 304.00K | -304.00K | ||||
| Pretax Income | 64.83M | 57.83M | 50.85M | 57.42M | 34.94M | 29.86M |
| Income Tax Expense | 18.32M | 17.17M | 15.02M | 16.56M | 10.23M | 8.83M |
| Net Income | 46.51M | 40.67M | 35.82M | 40.86M | 24.71M | 21.03M |
| Preferred Dividends & Other Adjustments | 341.00K | 332.00K | 281.00K | 293.00K | 203.00K | 284.00K |
| Net Income to Common | 46.17M | 40.33M | 35.54M | 40.56M | 24.51M | 20.75M |
| Basic Shares Outstanding | 5.69M | 5.74M | 5.70M | 5.65M | 5.55M | 5.54M |
| Diluted Shares Outstanding | 5.77M | 5.83M | 5.78M | 5.71M | 5.65M | 5.62M |
| EPS (Basic) | 8.11 | 7.03 | 6.24 | 7.18 | 4.41 | 3.75 |
| EPS (Diluted) | 8.01 | 6.92 | 6.15 | 7.11 | 4.33 | 3.69 |
| Effective Tax Rate | 28.26% | 29.68% | 29.55% | 28.84% | 29.29% | 29.58% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 30.35M | 155.01M | 163.88M | 178.10M | 128.64M | 149.09M |
| Investment Securities | 225.24M | 23.30M | 19.08M | 24.49M | 36.91M | 11.01M |
| Mortgage-Backed Securities | 267.70M | 204.59M | 135.75M | 86.61M | 79.66M | 99.21M |
| Total Investments | 492.94M | 227.89M | 154.83M | 111.10M | 116.58M | 110.23M |
| Gross Loans | 2.19B | 2.13B | 2.09B | 1.85B | 1.59B | 1.23B |
| Allowance for Loan Losses | -31.72M | -29.32M | -27.27M | -24.48M | -19.15M | -16.97M |
| Other Adjustments to Gross Loans | -100.00K | -800.00K | -1.80M | -1.81M | -2.97M | |
| Net Loans | 2.15B | 2.10B | 2.06B | 1.82B | 1.57B | 1.21B |
| Property, Plant & Equipment | 9.52M | 9.13M | 9.15M | 4.80M | 5.01M | 6.05M |
| Loans Held for Sale | 2.33M | 3.01M | 1.23M | 7.06M | 24.66M | |
| Accrued Interest Receivable | 9.42M | 8.28M | 7.99M | 7.50M | 5.29M | 3.35M |
| Long-Term Deferred Tax Assets | 10.51M | 12.81M | 12.79M | 12.40M | 7.36M | |
| Other Real Estate Owned & Foreclosed | 8.57M | |||||
| Other Long-Term Assets | 39.78M | 5.85M | 4.87M | 5.35M | 3.79M | 4.26M |
| Total Assets | 2.75B | 2.54B | 2.42B | 2.15B | 1.85B | 1.52B |
| Interest Bearing Deposits | 1.74B | 1.46B | 1.26B | 972.09M | 888.36M | 618.74M |
| Institutional Deposits | 160.85M | 321.07M | 330.53M | 95.37M | 44.33M | |
| Non-Interest Bearing Deposits | 669.87M | 606.11M | 553.40M | 572.75M | 691.39M | 682.59M |
| Total Deposits | 2.41B | 2.22B | 2.13B | 1.88B | 1.68B | 1.35B |
| Short-Term Borrowings | 17.00M | |||||
| Current Portion of Long-Term Debt | 10.00M | |||||
| Current Portion of Leases | 1.94M | |||||
| Accrued Interest Payable | 17.90M | 1.09M | 2.35M | 2.17M | 386.00K | 10.26M |
| Long-Term Debt | 17.98M | 17.98M | 17.97M | 74.96M | 17.95M | 17.95M |
| Federal Home Loan Bank Debt, Long-Term | 8.00M | 11.00M | 11.00M | |||
| Long-Term Leases | 4.75M | 7.06M | 3.42M | 3.98M | 4.85M | |
| Other Long-Term Liabilities | 10.45M | 10.64M | 10.76M | 14.11M | ||
| Total Liabilities | 2.46B | 2.27B | 2.20B | 1.97B | 1.71B | 1.39B |
| Common Stock | 78.22M | 76.97M | 75.38M | 74.00M | 72.22M | 70.85M |
| Additional Paid-In Capital | 4.85M | 4.39M | 4.39M | 3.68M | 3.35M | 3.34M |
| Retained Earnings | 220.66M | 187.47M | 152.25M | 116.60M | 77.81M | 54.92M |
| Comprehensive Income & Other | -12.38M | -4.87M | -8.49M | -8.50M | -10.06M | -751.00K |
| Shareholders' Equity | 291.35M | 263.96M | 223.53M | 185.78M | 143.32M | 128.36M |
| Total Liabilities & Equity | 2.75B | 2.54B | 2.42B | 2.15B | 1.85B | 1.52B |
| Total Debt | 25.98M | 35.67M | 53.03M | 78.38M | 21.94M | 32.79M |
| Net Cash (Debt) | 229.61M | 123.70M | 115.03M | 103.72M | 114.63M | 122.05M |
| Net Cash Per Share | 39.82 | 21.24 | 19.90 | 18.18 | 20.28 | 21.73 |
| Filing Date Shares Outstanding | 5.73M | 5.73M | 5.77M | 5.72M | 5.61M | 5.63M |
| Total Common Shares Outstanding | 5.73M | 5.73M | 5.77M | 5.72M | 5.61M | 5.63M |
| Book Value Per Share | 50.85 | 46.08 | 38.76 | 32.48 | 25.55 | 22.81 |
| Tangible Book Value | 291.35M | 263.96M | 223.53M | 185.78M | 143.32M | 128.36M |
| Tangible Book Value Per Share | 50.85 | 46.08 | 38.76 | 32.48 | 25.55 | 22.81 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 40.67M | 35.82M | 40.86M | 24.71M | 21.03M | |
| Depreciation & Amortization | 2.01M | 1.82M | 2.24M | 2.17M | 1.49M | |
| Other Amortization | 7.00K | 7.00K | 7.00K | 7.00K | 7.00K | |
| Gain (Loss) on Sale of Investments | 1.00K | -135.00K | 194.00K | 348.00K | -1.56M | |
| Total Asset Writedown | -304.00K | 304.00K | ||||
| Provision for Credit Losses | 5.94M | 2.69M | -6.15M | 2.18M | 2.71M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 2.26M | 370.00K | 7.01M | 20.79M | -7.72M | |
| Accrued Interest Receivable | 2.22M | 652.00K | -2.48M | -1.02M | 1.85M | |
| Other Operating Activities | -2.12M | -2.88M | -4.18M | -7.29M | -710.00K | |
| Operating Cash Flow | 47.20M | 37.73M | 33.52M | 41.17M | 8.03M | |
| Capital Expenditures | -1.55M | -1.51M | -835.00K | -364.00K | -561.00K | |
| Investment in Securities | -69.02M | -44.44M | 7.31M | -19.52M | -76.63M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -51.01M | -234.95M | -246.23M | -357.36M | -225.29M | |
| Other Investing Activities | -1.07M | -671.00K | -1.90M | -2.11M | -307.00K | |
| Investing Cash Flow | -122.66M | -281.57M | -241.65M | -379.35M | -302.78M | |
| Long-Term Debt Issued | 57.00M | |||||
| Long-Term Debt Repaid | -17.00M | -29.00M | -10.00M | -65.00M | ||
| Net Debt Issued (Repaid) | -17.00M | -29.00M | 57.00M | -10.00M | -65.00M | |
| Issuance of Common Stock | 109.00K | 33.00K | 437.00K | 211.00K | 44.00K | |
| Repurchase of Common Stock | -5.93M | -508.00K | -96.00K | -1.93M | -141.00K | |
| Net Increase (Decrease) in Deposit Accounts | 89.42M | 259.09M | 200.25M | 329.46M | 232.72M | |
| Financing Cash Flow | 66.60M | 229.62M | 257.59M | 317.74M | 167.62M | |
| Net Cash Flow | -8.86M | -14.22M | 49.46M | -20.44M | -127.14M | |
| Free Cash Flow | 45.64M | 36.22M | 32.69M | 40.80M | 7.46M | |
| Free Cash Flow Margin | 38.28% | 34.76% | 32.34% | 48.87% | 11.07% | |
| Free Cash Flow Per Share | 7.83 | 6.26 | 5.73 | 7.22 | 1.33 | |
| Cash Interest Paid | 55.61M | 54.17M | 33.51M | 5.95M | 4.76M | |
| Cash Income Tax Paid | 16.44M | 13.54M | 18.47M | 10.21M | 10.40M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 492.25M | 329.54M | 332.98M | 200.17M | 181.32M | 151.13M |
| Last Close Price | 85.91 | 57.53 | 57.74 | 35.00 | 32.39 | 26.95 |
| PE Ratio | 10.73 | 8.17 | 9.37 | 4.93 | 7.40 | 7.29 |
| PS Ratio | 3.74 | 2.76 | 3.19 | 1.98 | 2.17 | 2.24 |
| PB Ratio | 1.69 | 1.25 | 1.49 | 1.08 | 1.26 | 1.18 |
| P/FCF Ratio | 8.26 | 7.22 | 9.19 | 6.12 | 4.44 | 20.25 |
| P/OCF Ratio | 8.09 | 6.98 | 8.82 | 5.97 | 4.41 | 18.83 |
| Debt / Equity Ratio | 0.09 | 0.14 | 0.24 | 0.42 | 0.15 | 0.26 |
| Debt / FCF Ratio | 0.78 | 1.46 | 2.40 | 0.54 | 4.39 | |
| Net Debt / Equity Ratio | -0.79 | -0.47 | -0.52 | -0.56 | -0.80 | -0.95 |
| Net Debt / FCF Ratio | -2.71 | -3.18 | -3.17 | -2.81 | -16.35 | |
| Return on Equity (ROE) | 16.93% | 16.68% | 17.50% | 24.83% | 18.19% | 17.81% |
| Return on Assets (ROA) | 1.75% | 1.64% | 1.57% | 2.04% | 1.47% | 1.48% |
| Earnings Yield | 9.32% | 12.34% | 10.76% | 20.41% | 13.63% | 13.91% |
| FCF Yield | 12.11% | 13.85% | 10.88% | 16.33% | 22.50% | 4.94% |
| Buyback Yield / Dilution | 1.21% | -0.74% | -1.35% | -0.94% | -0.62% | -1.62% |