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Private Bancorp of America Inc. (PBAM) — RQD Stock Rating Cockpit

$85.55 +0.22% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $85.42

Private Bancorp of America Inc. (PBAM) carries a Roarable Rating of D (Sell) with 50/100 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.

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $490.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $85.42 (-0.15%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

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 SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PBAM)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (50/100 Composite)

🔍 WHY PBAM SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (26% of score)

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

▲ #2 Bullish Driver: Cash Engine Quality+10/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 0.3% FCF Margin ($13.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$85.25-3.5% Next Q

Q2 (-2Q)

Grade D$82.30+4.5% Next Q

Q3 (-1Q)

Grade D$85.99-0.5% Next Q

Current

Grade D$85.55-1.4% Hist 90D α

Trajectory: D (42) → D (50)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 50/100 (D) rating due to Whale & Options Positioning (8/20), 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 ($87.23) and Max Pain ($89.83) forces dealer call-delta covering toward $97.31.

🚀 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 50%NO 50%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

4730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE82% OF RANGE

L: $55$85.55H: $92

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on PBAM

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

14.0% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (45)

17/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like PBAM

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

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

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PBAM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.84%▲ ASCENDING TRIANGLE

2026-10-30O $85.90H $86.06L $84.97C $85.55VOL 86.8K

RES: $87.67SUP: $83.13SMA50: $87.23SMA200: $75.96

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #856 of 1096 ⚔️ FRBA vs PBAM Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Private Bancorp of America Inc. (PBAM) ranks #856 by composite RQD confidence (50/100, grade D) and #708 by equity capitalization ($490.2M). Within this direct 5-issuer industry benchmark cohort, WTBA leads on earnings valuation at 15.7x trailing P/E, while WTBA leads on capital efficiency and profitability with 12.2% ROIC and — gross margin. CZNC currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with PBAM at 50/100 (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	50/100	—	—	—	+0.22%	$490.2M	Benchmark Subject
FRBA First Bank	D	50/100	—	—	—	+0.47%	$488.6M	/frba-vs-pbam →
CZNC Citizens & Northern Corp	C+	67/100	21.3x	—	6.9%	+1.20%	$498.9M	/cznc-vs-pbam →
WTBA West Bancorporation	C	63/100	15.7x	—	12.2%	-1.38%	$512.0M	/wtba-vs-pbam →
BMRC Bank of Marin Bancorp	C+	66/100	17.6x	—	6.7%	-0.31%	$466.4M	/bmrc-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 $0 , 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	$0	$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 2026-11-01, 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 50/100 at a spot price of $85.55 (+0.22% 1D, market cap $490.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 1096 tracked Financials issuers, PBAM ranks #856 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 (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, FRBA (First Bank) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $488.6M) and CZNC (Citizens & Northern Corp) posts a C+ grade (67/100 RQD, P/E 21.3x, ROIC 6.9%, cap $498.9M). Among the 5-stock peer group, WTBA leads on earnings multiple (15.7x) while WTBA leads on capital efficiency (12.2% 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 $0 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 $85.55 (+0.22% on volume of 59,308 shares), positioning the stock -1.93% below its 50-day simple moving average ($87.23) and +12.63% above its 200-day simple moving average ($75.96). Across its 52-week range of $55.12 to $92.09, PBAM sits at the 82.3% percentile with a 14-day RSI of 47.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.1% ($82.04 to $89.06).

PBAM Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PBAM stock right now?

Private Bancorp of America Inc. (PBAM) currently earns a Roarable Rating of D (Sell — SELL) with 50/100 RQD Confidence. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.

What is PBAM's 12-month price target and RQD AI Jury consensus?

PBAM's 12-month base price target is $82.47 (range $64.33 to $97.31), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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