Private Bancorp of America, Inc. (OTC:PBAM), a key player in the Zacks Banks - Southwest industry, provides a comprehensive range of banking services and products. On October 17, 2025, PBAM disclosed its earnings per share (EPS) of $1.65, falling short of the projected $1.81. This earnings miss signifies a negative surprise of 8.84%, as emphasized by Zacks.
Despite the earnings shortfall, PBAM's EPS of $1.65 demonstrates a modest improvement from the $1.63 reported a year prior. In the preceding quarter, PBAM also did not meet expectations with an EPS of $1.77 against a forecasted $1.79, resulting in a 1.12% negative surprise. Over the past four quarters, PBAM has outperformed consensus EPS estimates twice, showcasing some inconsistency in meeting market expectations.
For the quarter ending September 2025, PBAM generated revenue of $31.5 million, marginally below the expected $31.8 million. This revenue shortfall was 0.93% under the Zacks Consensus Estimate. Nonetheless, it represents an improvement from the $27.14 million reported in the same quarter the previous year. Despite the recent miss, PBAM has exceeded consensus revenue estimates twice in the last four quarters.
PBAM's financial metrics shed light on its market valuation and financial health. The company boasts a price-to-earnings (P/E) ratio of approximately 7.77, indicating the market's valuation of its earnings. Its price-to-sales ratio stands at about 2.02, showing investor willingness to pay per dollar of sales. The enterprise value to sales ratio is around 1.28, reflecting its valuation in relation to revenue.
The company's earnings yield is approximately 12.88%, indicating the return on investment for shareholders. PBAM maintains a low debt-to-equity ratio of 0.12, suggesting conservative debt usage. However, the current ratio is low at 0.16, which may signal potential liquidity concerns in meeting short-term obligations.
