PBAM (Private Bancorp of America) Scaled Net Operating Assets: -0.09 (As of Mar. 2026)


PBAM Private Bancorp of America Inc PBAM
69 GF Score
Price $75.95
GF Value $62.83
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Private Bancorp of America Scaled Net Operating Assets?

Private Bancorp of America PBAM +0.08% 69 Scaled Net Operating Assets is -0.09 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Private Bancorp of America's operating assets for the quarter that ended in Mar. 2026 was $2,171.7 Mil. Private Bancorp of America's operating liabilities for the quarter that ended in Mar. 2026 was $2,395.2 Mil. Private Bancorp of America's Total Assets for the quarter that ended in Dec. 2025 was $2,535.1 Mil. Therefore, Private Bancorp of America's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.09.

PBAM
69GF Score
Private Bancorp of America Inc PBAM
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Private Bancorp of America Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Private Bancorp of America's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2375.687-2242.117)/2424.011
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2535.057 - 159.37
=2375.687

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2271.093 - 25.976 - 3
=2242.117

Private Bancorp of America's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2171.691-2395.216)/2535.057
=-0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2693.926 - 522.235
=2171.691

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2421.194 - 25.978 - 0
=2395.216

* 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.

What does a Scaled Net Operating Assets of -0.09 mean?
Private Bancorp of America (PBAM) has a Scaled Net Operating Assets of -0.09 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Private Bancorp of America and its competitors.
Is Private Bancorp of America's Scaled Net Operating Assets too high?
Private Bancorp of America's current Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets compare to BWFG and BMRC?
Private Bancorp of America's Scaled Net Operating Assets of -0.09 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Private Bancorp of America and its competitors. Private Bancorp of America's current Scaled Net Operating Assets is -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 $62.83, compared to a current price of $75.95 — trading 20.9% above its estimated fair value. The current Scaled Net Operating Assets is -0.09. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Private Bancorp of America (PBAM), the current Scaled Net Operating Assets is -0.09 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:

  • Scaled Net Operating Assets: -0.09
  • GF Value™: $62.83 vs. price of $75.95 (20.9% 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
$62.83
GF Value