ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. 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 Assets over the quarter that ended in Mar. 2026 was $2,614.5 Mil. Therefore, Private Bancorp of America's annualized ROA % for the quarter that ended in Mar. 2026 was 1.84%.
The historical rank and industry rank for Private Bancorp of America's ROA % or its related term are showing as below:
PBAM'
s ROA % 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 ROA % was 2.04%. The lowest was -0.04%. And the median was 1.19%.
PBAM's ROA % is ranked better than 81.75% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs PBAM: 1.65
Private Bancorp of America (OTCPK:PBAM) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Private Bancorp of America's ROA % distribution charts can be found below:
* The bar in red indicates where Private Bancorp of America's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Private Bancorp of America (PBAM) has a ROA % of 1.84% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total 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 #279 out of 1529 companies in the Banks industry, placing it in the top 18.2%.
Is Private Bancorp of America's ROA % too high?
Private Bancorp of America's current ROA % of 1.84% is 55% above median its 10-year median of 1.19. The Banks industry median ROA % is 0.98. Private Bancorp of America's value of 1.84% is 87.8% above this industry median. Based on the distribution chart, Private Bancorp of America ranks #279 out of 1529 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 ROA % compare to BWFG and BMRC?
According to the Banks industry distribution chart, Private Bancorp of America ranks #279 out of 1529 companies for ROA %. This places Private Bancorp of America in the top 18% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Private Bancorp of America's value of 1.84% is 87.8% above this benchmark. While the company's 10-year median is 1.19 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Private Bancorp of America's current ROA % of 1.84% is 87.8% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Private Bancorp of America and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Private Bancorp of America's current ROA % 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 $62.83, compared to a current price of $75.95 — trading 20.9% above its estimated fair value. The current ROA % is 1.84%, which is 55% above median its 10-year median of 1.19 and 87.8% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Private Bancorp of America (PBAM), the current ROA % 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 $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:
ROA %: 1.84% (55% above median its 10-year median of 1.19)
GF Value™: $62.83 vs. price of $75.95 (20.9% above fair value)
Industry Position: 87.8% above the Banks median (#279 of 1529)
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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