Earnings Preview: Private Bancorp of America, Inc. (PBAM) Q4 Earnings Expected to Decline

Company Overview - Private Bancorp of America, Inc. (PBAM) is expected to report a year-over-year decline in earnings of 1.7%, with an estimated earnings per share (EPS) of $1.79 for the quarter ended December 2025 [3] - Revenues are projected to be $32.5 million, reflecting a 10.7% increase from the same quarter last year [3] Earnings Expectations - The consensus EPS estimate has been revised 1.85% higher in the last 30 days, indicating a reassessment by analysts [4] - The Most Accurate Estimate for PBAM is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -2.79%, suggesting a bearish outlook on the company's earnings prospects [10][11] Historical Performance - In the last reported quarter, PBAM was expected to post earnings of $1.81 per share but only achieved $1.65, resulting in a surprise of -8.84% [12] - Over the past four quarters, PBAM has beaten consensus EPS estimates two times [13] Comparison with Industry Peers - First Horizon National (FHN), another player in the Zacks Banks - Southwest industry, is expected to report earnings of $0.46 per share, indicating a year-over-year increase of 7% [17] - FHN's revenues are expected to reach $862.19 million, up 18.3% from the previous year [17] - The consensus EPS estimate for FHN has been revised 3.1% higher, and it has an Earnings ESP of +0.76%, suggesting a strong likelihood of beating the consensus EPS estimate [18]