COMP <GO>
PBAM vs CBK // ALTMAN Z-SCORE & DEBT/EQUITY
Private Bancorp of America Inc. (NASDAQ) VS. Commercial Bancgroup Inc. (NASDAQ) • 15-METRIC TALLY: PBAM 1
— CBK 2
■ METRIC PARITY
LAST: $86.58 (+0.78%) • MKT CAP: $492.2M
balance-sheet
—
LAST: $33.05 (-1.87%) • MKT CAP: $461.5M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PBAM VS. CBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PBAM | CBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | — | 13.00% | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 7.79% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.44% | -0.44 | CBK | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | — | 4/9 | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.1 | 67.5 | -16.40 | CBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 11.3x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $492.2M | $461.5M | $30.8M | PBAM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PBAM REV | CBK REV | PBAM GROSS % | CBK GROSS % | PBAM FCF | CBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.06B | $962.4M | — | — | — | $35.2M |
| FY 2024 | — | $966.5M | — | — | — | $35.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PBAM // BETA —
CBK // BETA —