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Private Bancorp of AmericaPBAM -0.87%69 Return-on-Tangible-Asset is 1.84% as of Mar. 2026, which is 55% above its 10-year median of 1.19. GuruFocus rates PBAM with a GF Scoreâ„¢ of 69/100 and a GF Valueâ„¢ of $63.19 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,532 Banks companies, Private Bancorp of America ranks better than 81.33% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Private Bancorp of America's annualizedNet Income for the quarter that ended in Mar. 2026 was $48.1 Mil. Private Bancorp of America's average total tangible assets for the quarter that ended in Mar. 2026 was $2,614.5 Mil. Therefore, Private Bancorp of America's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.84%.
The historical rank and industry rank for Private Bancorp of America's Return-on-Tangible-Asset or its related term are showing as below:
PBAM'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.04 Med: 1.19 Max: 2.04
Current: 1.65
During the past 13 years, Private Bancorp of America's highest Return-on-Tangible-Asset was 2.04%. The lowest was -0.04%. And the median was 1.19%.
PBAM's Return-on-Tangible-Asset is ranked better than 81.33% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs PBAM: 1.65
Private Bancorp of America (OTCPK:PBAM) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companyÂ’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companyÂ’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Private Bancorp of America Return-on-Tangible-Asset Related Terms
Private Bancorp of America Return-on-Tangible-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.
Private Bancorp of America Return-on-Tangible-Asset Chart
PBAM vs NEWT, FMAO, CBAN: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Private Bancorp of America's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Private Bancorp of America's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Private Bancorp of America's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.84% mean?
Private Bancorp of America (PBAM) has a Return-on-Tangible-Asset of 1.84% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Private Bancorp of America and its competitors. This is 55% above median its historical median of 1.19. According to the industry distribution chart, Private Bancorp of America ranks #286 out of 1532 companies in the Banks industry, placing it in the top 18.7%.
Is Private Bancorp of America's Return-on-Tangible-Asset too high?
Private Bancorp of America's current Return-on-Tangible-Asset of 1.84% is 55% above median its 10-year median of 1.19. The Banks industry median Return-on-Tangible-Asset is 0.99. Private Bancorp of America's value of 1.84% is 85.9% above this industry median. Based on the distribution chart, Private Bancorp of America ranks #286 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Asset compare to NEWT and FMAO?
According to the Banks industry distribution chart, Private Bancorp of America ranks #286 out of 1532 companies for Return-on-Tangible-Asset. This places Private Bancorp of America in the top 19% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Private Bancorp of America's value of 1.84% is 85.9% above this benchmark. While the company's 10-year median is 1.19 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Private Bancorp of America's current Return-on-Tangible-Asset of 1.84% is 85.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Private Bancorp of America and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Private Bancorp of America's current Return-on-Tangible-Asset is 1.84%, which is 55% above median its own 10-year median of 1.19. 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 $63.19, compared to a current price of $73.75 — trading 16.7% above its estimated fair value. The current Return-on-Tangible-Asset is 1.84%, which is 55% above median its 10-year median of 1.19 and 85.9% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Private Bancorp of America (PBAM), the current Return-on-Tangible-Asset is 1.84% 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 $73.75 is trading 16.7% above its estimated GF Value™ of $63.19.
GuruFocus considers Private Bancorp of America to be Modestly Overvalued.
Key valuation signals for PBAM:
Return-on-Tangible-Asset: 1.84% (55% above median its 10-year median of 1.19)
GF Value™: $63.19 vs. price of $73.75 (16.7% above fair value)
Industry Position: 85.9% above the Banks median (#286 of 1532)
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
Get the complete analysis for PBAM
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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