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Private Bancorp of AmericaPBAM 68 Equity-to-Asset is 0.10 as of Mar. 2026, which is 11% above its 10-year median of 0.09. GuruFocus rates PBAM with a GF Score™ of 68/100 and a GF Value™ of $63.36 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,520 Banks companies, Private Bancorp of America ranks better than 64.54% on this metric.
The historical rank and industry rank for Private Bancorp of America's Equity-to-Asset or its related term are showing as below:
PBAM'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.14
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of Private Bancorp of America was 0.14. The lowest was 0.08. And the median was 0.09.
PBAM's Equity-to-Asset is ranked better than 64.54% of 1520
companies
in the Banks industry
Industry Median: 0.1
vs PBAM: 0.11
Private Bancorp of America (OTCPK:PBAM) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Private Bancorp of America Equity-to-Asset Related Terms
Private Bancorp of America Equity-to-Asset Historical Data
* 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.
PBAM vs NEWT, FMAO, CBAN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Private Bancorp of America's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Private Bancorp of America's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Private Bancorp of America's Equity-to-Asset falls into.
Private Bancorp of America Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Private Bancorp of America's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (PBAM) has a Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Private Bancorp of America and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Private Bancorp of America's Equity-to-Asset has ranged from 0.08 to 0.14. According to the industry distribution chart, Private Bancorp of America ranks #539 out of 1520 companies in the Banks industry, placing it in the top 35.5%.
Is Private Bancorp of America's Equity-to-Asset too high?
Private Bancorp of America's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Private Bancorp of America's value of 0.10 is 0% at this industry median. Based on the distribution chart, Private Bancorp of America ranks #539 out of 1520 companies in the Banks industry, which is above the industry midpoint. Overall, Private Bancorp of America has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Private Bancorp of America's Equity-to-Asset compare to NEWT and FMAO?
According to the Banks industry distribution chart, Private Bancorp of America ranks #539 out of 1520 companies for Equity-to-Asset. This puts Private Bancorp of America in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Private Bancorp of America's value of 0.10 is 0% at this benchmark. Historically, Private Bancorp of America's own Equity-to-Asset has ranged from 0.08 to 0.14 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Private Bancorp of America has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Private Bancorp of America's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Private Bancorp of America and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Private Bancorp of America's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. 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 $63.36, compared to a current price of $80.50 — trading 27.1% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. Private Bancorp of America's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Private Bancorp of America (PBAM), the current Equity-to-Asset is 0.10 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 $80.50 is trading 27.1% above its estimated GF Value™ of $63.36.
GuruFocus considers Private Bancorp of America to be Modestly Overvalued.
Key valuation signals for PBAM:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $63.36 vs. price of $80.50 (27.1% above fair value)
Industry Position: 0% at the Banks median (#539 of 1520)
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 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.
68GF Score
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