PBAM (Private Bancorp of America) E10: $3.82 (As of Mar. 2026)


PBAM Private Bancorp of America Inc PBAM
69 GF Score
Price $75.95
GF Value $62.85
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Private Bancorp of America E10?

Private Bancorp of America PBAM +0.08% 69 E10 is $3.82 as of Mar. 2026. GuruFocus rates PBAM with a GF Score™ of 69/100 and a GF Value™ of $62.85 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Private Bancorp of America's adjusted earnings per share data for the three months ended in Mar. 2026 was $2.070. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.82 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Private Bancorp of America's average E10 Growth Rate was 21.70% per year. During the past 3 years, the average E10 Growth Rate was 28.20% per year. During the past 5 years, the average E10 Growth Rate was 42.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Private Bancorp of America was 61.50% per year. The lowest was 28.20% per year. And the median was 37.60% per year.

As of today (2026-06-25), Private Bancorp of America's current stock price is $75.95. Private Bancorp of America's E10 for the quarter that ended in Mar. 2026 was $3.82. Private Bancorp of America's Shiller PE Ratio of today is 19.88.

During the past 13 years, the highest Shiller PE Ratio of Private Bancorp of America was 42.86. The lowest was 12.70. And the median was 18.50.


Private Bancorp of America  (OTCPK:PBAM) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Private Bancorp of America's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=75.95/3.82
=19.88

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Private Bancorp of America was 42.86. The lowest was 12.70. And the median was 18.50.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Private Bancorp of America E10 Related Terms


Private Bancorp of America E10 Historical Data

* Premium members only.

The historical data trend for Private Bancorp of America's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Private Bancorp of America E10 Chart

Private Bancorp of America Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.14 1.70 2.36 2.97 3.58

Private Bancorp of America Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.14 3.31 3.46 3.58 3.82

PBAM vs BWFG, BMRC, CBAN: E10 Comparison

For the Banks - Regional subindustry, Private Bancorp of America's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Private Bancorp of America Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Private Bancorp of America's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Private Bancorp of America's Shiller PE Ratio falls into.


PBAM
69GF Score
Private Bancorp of America Inc PBAM
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Private Bancorp of America E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Private Bancorp of America's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.07/330.2130*330.2130
=2.070

Current CPI (Mar. 2026) = 330.2130.

Private Bancorp of America Quarterly Data

per share eps CPI Adj_EPS
201606 0.180 241.018 0.247
201609 0.260 241.428 0.356
201612 0.320 241.432 0.438
201703 0.320 243.801 0.433
201706 0.210 244.955 0.283
201709 0.230 246.819 0.308
201712 0.010 246.524 0.013
201803 0.220 249.554 0.291
201806 0.170 251.989 0.223
201809 0.210 252.439 0.275
201812 0.200 251.233 0.263
201903 0.300 254.202 0.390
201906 0.200 256.143 0.258
201909 -0.910 256.759 -1.170
201912 0.350 256.974 0.450
202003 0.340 258.115 0.435
202006 0.370 257.797 0.474
202009 0.450 260.280 0.571
202012 0.780 260.474 0.989
202103 0.810 264.877 1.010
202106 0.750 271.696 0.912
202109 0.890 274.310 1.071
202112 1.280 278.802 1.516
202203 1.130 287.504 1.298
202206 0.770 296.311 0.858
202209 1.120 296.808 1.246
202212 1.300 296.797 1.446
202303 1.570 301.836 1.718
202306 2.690 305.109 2.911
202309 1.470 307.789 1.577
202312 1.360 306.746 1.464
202403 1.360 312.332 1.438
202406 1.350 314.175 1.419
202409 1.630 315.301 1.707
202412 1.820 315.605 1.904
202503 1.800 319.799 1.859
202506 1.770 322.561 1.812
202509 1.650 324.800 1.677
202512 1.710 324.054 1.743
202603 2.070 330.213 2.070

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $3.82 mean?
Private Bancorp of America (PBAM) has a E10 of $3.82 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Private Bancorp of America and its competitors.
Is Private Bancorp of America's E10 too high?
Private Bancorp of America's current E10 is $3.82. Overall, Private Bancorp of America has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Private Bancorp of America's E10 compare to BWFG and BMRC?
Private Bancorp of America's E10 of $3.82 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Private Bancorp of America and its competitors. Private Bancorp of America's current E10 is $3.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Private Bancorp of America stock overvalued right now?
Based on GuruFocus' analysis, Private Bancorp of America (PBAM) is currently considered Modestly Overvalued. The stock's GF Value™ is $62.85, compared to a current price of $75.95 — trading 20.8% above its estimated fair value. The current E10 is $3.82. Private Bancorp of America's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Private Bancorp of America (PBAM), the current E10 is $3.82 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Private Bancorp of America (PBAM) Overvalued in 2026?

Based on GuruFocus' analysis, Private Bancorp of America stock appears to be overvalued. The current stock price of $75.95 is trading 20.8% above its estimated GF Value™ of $62.85. GuruFocus considers Private Bancorp of America to be Modestly Overvalued.

Key valuation signals for PBAM:

  • E10: $3.82
  • GF Value™: $62.85 vs. price of $75.95 (20.8% above fair value)
  • GF Score™: 69/100 with 4 warning signs

No single metric tells the full story. See the PBAM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Private Bancorp of America Business Description

Address 9404 Genesee Avenue, Suite 100, La Jolla, CA, USA, 90237
Private Bancorp of America Inc is a commercial bank chartered by the State of California. It provides comprehensive banking services, including deposit accounts, treasury management services, and lending solutions tailored to high-net-worth individuals, professionals, family offices, closely-held businesses, real estate entrepreneurs, and small to mid-sized businesses. Lending activities include commercial real estate loans, commercial and industrial loans, and government-guaranteed lending programs.
69GF Score

Get the complete analysis for PBAM

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$75.95
Price
$62.85
GF Value