PBAM (Private Bancorp of America) Moat Score: 3/10 (As of Jun. 25, 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 Moat Score?

Private Bancorp of America PBAM 69 Moat Score is 3 as of Jun. 25, 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. Among 1,609 Banks companies, Private Bancorp of America ranks better than 74.39% on this metric.

Private Bancorp of America has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Private Bancorp of America has No Moat: PBAM lacks significant market leadership or unique competitive advantages. It operates in a highly competitive banking sector with minimal customer switching costs and no significant intellectual property or brand strength. The company does not exhibit durable cost advantages or regulatory barriers that would provide a sustainable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Private Bancorp of America might have No Moat - Very weak/transient advantages.

Private Bancorp of America  (OTCPK:PBAM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Private Bancorp of America Moat Score Related Terms

PBAM vs BWFG, BMRC, CBAN: Moat Score Comparison

For the Banks - Regional subindustry, Private Bancorp of America's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

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

* The bar in red indicates where Private Bancorp of America's Moat Score falls into.


PBAM
69GF Score
Private Bancorp of America Inc PBAM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Private Bancorp of America (PBAM) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Private Bancorp of America ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is Private Bancorp of America's Moat Score too high?
Private Bancorp of America's current Moat Score is 3. Based on the distribution chart, Private Bancorp of America ranks #412 out of 1609 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to BWFG and BMRC?
According to the Banks industry distribution chart, Private Bancorp of America ranks #412 out of 1609 companies for Moat Score. This puts Private Bancorp of America in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Private Bancorp of America's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Private Bancorp of America (PBAM), the current Moat Score is 3 as of Jun. 25, 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:

  • Moat Score: 3
  • 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

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$75.95
Price
$62.85
GF Value