Private Bancorp of AmericaPBAM +0.08%69 Net Margin % is 34.82% as of Mar. 2026, which is 38% above its 10-year median of 25.19. GuruFocus rates PBAM with a GF Score™ of 69/100 and a GF Value™ of $62.83 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Private Bancorp of America ranks better than 68.57% on this metric.
The historical rank and industry rank for Private Bancorp of America's Net Margin % or its related term are showing as below:
PBAM'
s Net Margin % Range Over the Past 10 Years
Min: -0.96 Med: 25.19 Max: 42.9
Current: 32.32
PBAM's Net Margin % is ranked better than 68.57% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PBAM: 32.32
Private Bancorp of America (OTCPK:PBAM) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Private Bancorp of America Net Margin % Related Terms
Private Bancorp of America Net Margin % 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.
For the Banks - Regional subindustry, Private Bancorp of America's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Private Bancorp of America's Net Margin % distribution charts can be found below:
* The bar in red indicates where Private Bancorp of America's Net Margin % falls into.
* 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 Net Margin % of 34.82% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Private Bancorp of America and its competitors. This is 38% above median its historical median of 25.19. According to the industry distribution chart, Private Bancorp of America ranks #480 out of 1527 companies in the Banks industry, placing it in the top 31.4%.
Is Private Bancorp of America's Net Margin % too high?
Private Bancorp of America's current Net Margin % of 34.82% is 38% above median its 10-year median of 25.19. The Banks industry median Net Margin % is 26.95. Private Bancorp of America's value of 34.82% is 29.2% above this industry median. Based on the distribution chart, Private Bancorp of America ranks #480 out of 1527 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 Net Margin % compare to BWFG and BMRC?
According to the Banks industry distribution chart, Private Bancorp of America ranks #480 out of 1527 companies for Net Margin %. This puts Private Bancorp of America in the upper half of its industry. The industry median Net Margin % is 26.95. Private Bancorp of America's value of 34.82% is 29.2% above this benchmark. While the company's 10-year median is 25.19 vs. the industry median of 26.95, Private Bancorp of America has consistently been above 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Private Bancorp of America's current Net Margin % of 34.82% is 29.2% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Private Bancorp of America and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Private Bancorp of America's current Net Margin % is 34.82%, which is 38% above median its own 10-year median of 25.19. 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 $62.83, compared to a current price of $75.95 — trading 20.9% above its estimated fair value. The current Net Margin % is 34.82%, which is 38% above median its 10-year median of 25.19 and 29.2% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Private Bancorp of America (PBAM), the current Net Margin % is 34.82% 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 20.9% above its estimated GF Value™ of $62.83.
GuruFocus considers Private Bancorp of America to be Modestly Overvalued.
Key valuation signals for PBAM:
Net Margin %: 34.82% (38% above median its 10-year median of 25.19)
GF Value™: $62.83 vs. price of $75.95 (20.9% above fair value)
Industry Position: 29.2% above the Banks median (#480 of 1527)
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.
69GF Score
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