Private Bancorp of America, Inc. (NASDAQ:PBAM)
Insiders here have filed 2 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $178.0M
- Net income
- $46.5M
- Net margin
- 26.1%
Little or no net debt.
- Total debt
- $26.0M
- Cash
- $255.6M
- Net debt / EBITDA
- -3.54x
Current assets or liabilities not reported.
- Current assets
- $265.0M
- Current liabilities
- $0
- Current ratio
- —
The business funds itself from operations.
- Operating cash flow
- $26.5M
- Free cash flow
- $26.3M
- FCF margin
- 14.8%
Not funding itself by issuing shares.
- Shares outstanding
- 5.7M
- Share growth (1y)
- -1.3%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
PBAM Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 46.03 M | 44.38 M | 44.35 M | 43.28 M | 43.43 M | 43.72 M |
| Revenue Growth (YoY) | 6.01 % | 1.51 % | 5.89 % | 2.15 % | 4.76 % | 8.75 % |
| Cost of Revenue | 11.74 M | 9.63 M | 11.82 M | 13.38 M | 13.71 M | 13.17 M |
| Gross Profit | 34.30 M | 34.75 M | 32.52 M | 29.91 M | 29.71 M | 30.55 M |
| SG&A Expense | 12.50 M | 12.02 M | 11.67 M | 11.54 M | 11.72 M | 10.32 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 18.38 M | 16.86 M | 15.68 M | 15.73 M | 15.90 M | 15.69 M |
| Operating Income | 15.92 M | 17.89 M | 16.84 M | 14.18 M | 13.81 M | 14.86 M |
| Pretax Income | 15.92 M | 17.89 M | 16.84 M | 14.18 M | 13.81 M | 14.86 M |
| Tax Provision | 4.51 M | 4.77 M | 4.82 M | 4.22 M | 4.11 M | 4.41 M |
| Net Income | 11.41 M | 13.12 M | 12.03 M | 9.95 M | 9.62 M | 10.45 M |
| EPS (Basic) | 1.99 | 2.29 | 2.10 | 1.73 | 1.67 | 1.80 |
| EPS (Diluted) | 1.97 | 2.27 | 2.07 | 1.71 | 1.65 | 1.77 |
| Shares Outstanding | 5.68 M | 5.68 M | 5.69 M | 5.70 M | 5.76 M | 5.75 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.