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Why PBAM Stock advanced +0.67% Today — RQD Quant Desk Flash

$85.91 +0.67% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $85.85

Private Bancorp of America Inc. (PBAM) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $492.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PBAM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Private Bancorp of America Inc. (NASDAQ: PBAM) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $85.91 (+0.67% 1D, market cap $492.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, PBAM ranks #560 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PBAM compare to FRBA and CZNC in the Financials sector?
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Within the Financials sector (Major Banks), PBAM carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, FRBA (First Bank) holds a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $504.7M) and CZNC (Citizens & Northern Corp) posts a C+ grade (69/100 RQD, P/E 21.3x, ROIC 6.9%, cap $510.6M). Among the 5-stock peer group, CBK leads on earnings multiple (12.2x) while CBK leads on capital efficiency (13.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PBAM?
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Per PBAM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001705284), Private Bancorp of America Inc. generated $1.06B in revenue, $0 in net income, and $0 in free cash flow against $2.54B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $85.85 (-0.07%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 1.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510054
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D · Rk C
Cash (10)Whales (10)SEC (13)Macro (12)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-1.8% Base Target
$100 Bull$84 Base$66 Bear
📬 FREE PBAM RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PBAM)Realized 20D OHLCV Swing Band: ±3.7%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY PBAM SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Macro Regime Fit+12/20 pts (22% of score)

FRED Regime × Technicals: 83% of 52W Range • RSI-14 at 51.1 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
46
Grade D$84.35+2.1% Next Q
Q2 (-2Q)
49
Grade D$86.15-0.9% Next Q
Q3 (-1Q)
51
Grade C-$85.36+0.6% Next Q
Current
54
Grade D+$85.91-0.7% Hist 90D α
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a PBAM Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PBAM currently carries a cautious 54/100 (D+) rating due to Insider Conviction & Share Dilution (9/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($87.08) and Max Pain ($90.21) forces dealer call-delta covering toward $99.54.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PBAM• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PBAM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 54%NO 46%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why PBAM Stock advanced +0.67% Today — RQD Quant Desk Flash

Private Bancorp of America Inc. (PBAM) advanced +0.67% to $85.91, trading at 83% of its 52-week range ($55.12 – $92.09). Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

  • ▸Technical Tape: Trading at 83% of its 52-week range ($55.12 – $92.09) with RSI-14 at 51.1 (NEUTRAL RANGE).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±3.7% around $85.91 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $13.8M annual free cash flow.
Live PBAM Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PBAM)

  • ✓Walkthrough of PBAM's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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PBAM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.33%▲ ASCENDING CHANNEL
2026-11-04O $85.34H $85.91L $85.34C $85.91VOL 47.5K
RES: $99.95SUP: $83.51SMA50: $87.08SMA200: $76.37
$94.26$85.27$76.29$67.31$58.32RES $99.95SUP $83.51$85.912026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PBAM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PBAM Butterfly Map → + Track PBAM →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PBAM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PBAM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PBAM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PBAM)

Financials Rank #560 of 1097 ⚔️ FRBA vs PBAM Full Matrix →

1. Head-to-Head Financials Peer Comparison (PBAM vs. FRBA, CZNC, BMRC, CBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Private Bancorp of America Inc. (PBAM) ranks #560 by composite RQD confidence (54/100, grade D+) and #704 by equity capitalization ($492.2M). Within this direct 5-issuer industry benchmark cohort, CBK leads on earnings valuation at 12.2x trailing P/E, while CBK leads on capital efficiency and profitability with 13.0% ROIC and — gross margin. CZNC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with PBAM at 54/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PBAM ACTIVE
Private Bancorp of America Inc.
D+ 54/100 — — — +0.67% $492.2M Benchmark Subject
FRBA
First Bank
D+ 57/100 — — — +3.40% $504.7M /frba-vs-pbam →
CZNC
Citizens & Northern Corp
C+ 69/100 21.3x — 6.9% +2.67% $510.6M /cznc-vs-pbam →
BMRC
Bank of Marin Bancorp
C 63/100 17.6x — 6.7% +2.96% $473.0M /bmrc-vs-pbam →
CBK
Commercial Bancgroup Inc.
C+ 67/100 12.2x — 13.0% +2.46% $461.5M /cbk-vs-pbam →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2025–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001705284 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Private Bancorp of America Inc. (PBAM) reported GAAP revenue of $1.06B , GAAP net income of $0, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, PBAM closed FY2025 with $2.54B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: N/A).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.06B $0 — — $2.54B —

3. PBAM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PBAM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Private Bancorp of America Inc. (NASDAQ: PBAM) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $85.91 (+0.67% 1D, market cap $492.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, PBAM ranks #560 in composite RQD confidence.

How does PBAM compare to FRBA and CZNC in the Financials sector?

Within the Financials sector (Major Banks), PBAM carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, FRBA (First Bank) holds a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $504.7M) and CZNC (Citizens & Northern Corp) posts a C+ grade (69/100 RQD, P/E 21.3x, ROIC 6.9%, cap $510.6M). Among the 5-stock peer group, CBK leads on earnings multiple (12.2x) while CBK leads on capital efficiency (13.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PBAM?

Per PBAM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001705284), Private Bancorp of America Inc. generated $1.06B in revenue, $0 in net income, and $0 in free cash flow against $2.54B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PBAM trading relative to its 50-day, 200-day, and 52-week technical levels?

PBAM last traded at $85.91 (+0.67% on volume of 47,470 shares), positioning the stock -1.34% below its 50-day simple moving average ($87.08) and +12.49% above its 200-day simple moving average ($76.37). Across its 52-week range of $55.12 to $92.09, PBAM sits at the 83.3% percentile with a 14-day RSI of 51.1 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($82.73 to $89.09).

Direct Sub-Reports: PBAM RQD Cockpit PBAM 12M Forecast PBAM Earnings & Move PBAM Dividends & DRIP PBAM Insiders & 13F PBAM Whale Options PBAM Profit Sankey PBAM News & Why
ROARABLE RATING BRIEF • RQD 54/100 (D+) ✓ SEC XBRL & RQD VERIFIED

PBAM — Private Bancorp of America Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Private Bancorp of America Inc. (PBAM) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $85.91 (+0.67% 1D, market capitalization $492.2M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Private Bancorp of America Inc. (PBAM) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $489.0M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 0% (free cash flow yield of 0%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Private Bancorp of America Inc. (PBAM) reported $1.06B in annual revenue and $0 in GAAP net income. Operating cash flow reached $0 and free cash flow totaled $0, backed by $2.54B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 54/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 10/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $55.12 – $92.09 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The supply chain is not mapped and no upstream or downstream dependencies are recorded. Sector correlations and 2nd-order bottlenecks cannot be identified from the source data.

  • Key Question #1: Can PBAM sustain or expand its — operating margin and — ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.06B and free cash flow of $0, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PBAM's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PBAM Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Private Bancorp of America Inc. (PBAM) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PBAM Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PBAM Bull vs. Bear Conversation Board — What's Your Call at $85.91?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PBAM 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PBAM:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $108.38 (+27.0%)
📌 Pinned Debate

A DA Davidson price target raise citing loan growth signals analyst-side support for the business.

A DA Davidson price target raise citing loan growth signals analyst-side support for the business.. When you look under the hood at PBAM, Fundamental Cash Engine is 10/20 with 0.0% gross margins and 0.0% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (10/20) has been quietly accumulating below $92.09. My 12M target is $108.38.

VolSurface_Trader 🐂 BULL

Both sides have a point here — PBAM's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $69.98 (-18.0%)
Spot @ $85.34

A reported Q3 earnings miss, combined with 0% ROIC and 0% FCF yield, points to weak fundamentals.

A reported Q3 earnings miss, combined with 0% ROIC and 0% FCF yield, points to weak fundamentals.. Look at the math on PBAM: paying current EV/EBITDA multiples for 0.0% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $75.10 before getting long.

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