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Here's What Key Metrics Tell Us About Private Bancorp of America (PBAM) Q3 Earnings
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For the quarter ended September 2026, Private Bancorp of America, Inc. (PBAM - Free Report) reported revenue of $35.56 million, up 12.9% over the same period last year. EPS came in at $1.97, compared to $1.65 in the year-ago quarter.
The reported revenue represents a surprise of +2.83% over the Zacks Consensus Estimate of $34.58 million. With the consensus EPS estimate being $2.07, the EPS surprise was -4.83%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Private Bancorp of America performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Net charge-offs as a percentage of average loans: -0.2% compared to the 0.2% average estimate based on four analysts.
Efficiency ratio: 51.7% versus 47.7% estimated by four analysts on average.
Net interest margin: 5.1% versus the four-analyst average estimate of 5%.
Total risk-based capital Ratio: 15.2% versus the two-analyst average estimate of 14.9%.
Tier I risk-based capital Ratio: 14% compared to the 13.1% average estimate based on two analysts.
Average balance - Total interest-earning assets: $2.68 billion compared to the $2.7 billion average estimate based on two analysts.
Tier I Leverage Ratio: 11.5% compared to the 11.2% average estimate based on two analysts.
Net Interest Income: $34.13 million versus $33.62 million estimated by four analysts on average.
Total Non-Interest Income: $1.44 million compared to the $1.3 million average estimate based on four analysts.
Service charges on deposit accounts: $0.52 million versus the three-analyst average estimate of $0.56 million.
Shares of Private Bancorp of America have returned -6.9% over the past month versus the Zacks S&P 500 composite's +2.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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Here's What Key Metrics Tell Us About Private Bancorp of America (PBAM) Q3 Earnings
For the quarter ended September 2026, Private Bancorp of America, Inc. (PBAM - Free Report) reported revenue of $35.56 million, up 12.9% over the same period last year. EPS came in at $1.97, compared to $1.65 in the year-ago quarter.
The reported revenue represents a surprise of +2.83% over the Zacks Consensus Estimate of $34.58 million. With the consensus EPS estimate being $2.07, the EPS surprise was -4.83%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Private Bancorp of America performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Private Bancorp of America here>>>
Shares of Private Bancorp of America have returned -6.9% over the past month versus the Zacks S&P 500 composite's +2.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.