MARKET WIRECNBC • 2h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
Why PBAM Stock advanced +0.22% Today — RQD Quant Desk Flash
$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.
ROARABLE D • SELL / AVOID
Cap $490.2M
INTERACTIVE SCENARIO DECK:
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
42
Q2 (-2Q)Grade D$82.30+4.5% Next Q
45
Q3 (-1Q)Grade D$85.99-0.5% Next Q
47
CurrentGrade D$85.55-1.4% Hist 90D α
50
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why PBAM Stock advanced +0.22% Today — RQD Quant Desk Flash
Private Bancorp of America Inc. (PBAM) advanced +0.22% to $85.55, trading at 82% 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 82% of its 52-week range ($55.12 – $92.09) with RSI-14 at 47 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.1% around $85.55 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $13.7M annual free cash flow.
Live PBAM Headlines & Catalysts
MARKET WIRECNBC • 3h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 4h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 5h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 6h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 7h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 7h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
MARKET WIREReuters • 7h ago
German ministers pledge tough action after rioters damage stores in Frankfurt - ReutersGerman ministers pledge tough action after rioters damage stores in Frankfurt Reuters
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
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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
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 0001705284In 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 ENABLEDIs 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 × FREDWhy is PBAM stock moving today?
Why PBAM Stock advanced +0.22% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (steady margins) under elevated 10-year interest-rate pressure.