Private Bancorp of America Inc operates through its bank holding which is a commercial bank chartered by the State of California. The bank provides deposit and loan services and also specializes in making loans on commercial real estate, as well as small to mid-sized business loans. Its offerings also include personal and business banking. The company operates in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, San Marcos, Temecula, and Redlands.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.05
Equity-to-Asset	0.09
Debt-to-Equity	0.37
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.98	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

6/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	21.1
	3-Year FCF Growth Rate	22.3
	3-Year Book Growth Rate	14.3

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	31.46
	9-Day RSI	35.03
	14-Day RSI	36.26
	6-1 Month Momentum %	3.14
	12-1 Month Momentum %	38.33

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-0.1
	Shareholder Yield %	-4.63

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	44.09
	FCF Margin %	64.99
	ROE %	18.54
	ROA %	1.56
	Years of Profitability over Past 10-Year	9

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.13
	PE Ratio without NRI	6.13
	Shiller PE Ratio	14.33
	Price-to-Owner-Earnings	7.49
	PEG Ratio	0.58
	PS Ratio	2.67
	PB Ratio	1
	Price-to-Tangible-Book	1
	Price-to-Free-Cash-Flow	4.07
	Price-to-Operating-Cash-Flow	4.03
	EV-to-Revenue	1.64
	EV-to-FCF	2.55
	Price-to-Projected-FCF	0.46
	Price-to-DCF (Earnings Based)	0.53
	Price-to-DCF (FCF Based)	0.13
	Price-to-Median-PS-Value	0.81
	Price-to-Peter-Lynch-Fair-Value	0.43
	Price-to-Graham-Number	0.46
	FCF Yield %	24.33
	Forward Rate of Return (Yacktman) %	22.77

GF Value: $28.76

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