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Potomac Bancshares Inc (PTBS)
OTHER OTC:PTBS
US Market
PTBS
Potomac Bancshares
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Potomac Bancshares (PTBS) Ratios

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Potomac Bancshares Ratios

PTBS's free cash flow for Q2 2026 was $0.74. For the 2026 fiscal year, PTBS's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 2.59 2.12 0.09 0.01 0.06
Quick Ratio
 2.59 2.12 0.09 0.01 0.09
Cash Ratio
 1.65 1.29 0.09 0.01 0.05
Solvency Ratio
 0.01 0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
 0.00 3.77 <0.01 0.06 0.04
Short-Term Operating Cash Flow Coverage
 0.00 4.29 0.00 4.79 0.57
Net Current Asset Value
$ -886.81M$ -855.83M$ -736.89M$ -760.32M$ -681.53M
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.04 0.05 0.02 0.04
Debt-to-Equity Ratio
 0.46 0.50 0.56 0.30 0.45
Debt-to-Capital Ratio
 0.32 0.33 0.36 0.23 0.31
Long-Term Debt-to-Capital Ratio
 0.30 0.32 0.36 0.19 0.14
Financial Leverage Ratio
 11.29 11.46 11.95 12.42 12.50
Debt Service Coverage Ratio
 0.59 0.55 0.53 0.64 0.43
Interest Coverage Ratio
 0.91 0.74 0.60 0.98 3.36
Debt to Market Cap
 0.36 0.53 0.58 0.31 0.39
Interest Debt Per Share
 13.46 13.74 13.41 7.13 7.27
Net Debt to EBITDA
 2.45 3.05 -2.47 1.61 1.45
Profitability Margins
Gross Profit Margin
72.47%71.20%68.96%76.40%91.25%
EBIT Margin
24.22%21.35%18.69%23.08%29.42%
EBITDA Margin
24.22%23.04%20.51%25.34%32.35%
Operating Profit Margin
24.22%21.35%18.69%23.08%29.42%
Pretax Profit Margin
24.21%21.33%18.69%23.08%29.42%
Net Profit Margin
18.72%16.63%14.50%17.92%22.91%
Continuous Operations Profit Margin
18.72%16.63%14.50%17.92%22.91%
Net Income Per EBT
77.32%77.96%77.60%77.66%77.86%
EBT Per EBIT
99.94%99.90%100.00%100.00%100.00%
Return on Assets (ROA)
1.13%0.95%0.78%0.87%0.97%
Return on Equity (ROE)
13.23%10.87%9.30%10.86%12.09%
Return on Capital Employed (ROCE)
1.46%1.22%7.23%1.66%1.77%
Return on Invested Capital (ROIC)
1.13%0.95%5.61%1.45%1.34%
Return on Tangible Assets
1.13%0.95%0.78%0.87%0.97%
Earnings Yield
10.07%11.45%9.69%11.70%10.80%
Efficiency Ratios
Receivables Turnover
 21.10 23.33 20.63 20.23 18.74
Payables Turnover
 0.00 14.74 11.55 12.54 7.69
Inventory Turnover
 0.00 0.00 0.00 0.00 -0.52
Fixed Asset Turnover
 6.73 5.61 5.81 5.63 4.01
Asset Turnover
 0.06 0.06 0.05 0.05 0.04
Working Capital Turnover Ratio
 10.43 -0.16 -0.10 -0.17 -0.24
Cash Conversion Cycle
 17.30 -9.11 -13.92 -11.07 -731.84
Days of Sales Outstanding
 17.30 15.65 17.70 18.04 19.48
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 -703.84
Days of Payables Outstanding
 0.00 24.76 31.61 29.11 47.47
Operating Cycle
 17.30 15.65 17.70 18.04 -684.37
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 2.53 1.70 3.70 2.23
Free Cash Flow Per Share
 0.00 2.23 1.06 3.68 2.18
CapEx Per Share
 0.00 0.31 0.64 0.03 0.05
Free Cash Flow to Operating Cash Flow
 0.00 0.88 0.62 0.99 0.98
Dividend Paid and CapEx Coverage Ratio
 0.00 3.10 1.54 9.15 5.53
Capital Expenditure Coverage Ratio
 0.00 8.22 2.65 146.38 41.27
Operating Cash Flow Coverage Ratio
 0.00 0.25 0.17 0.77 0.34
Operating Cash Flow to Sales Ratio
 0.00 0.20 0.15 0.38 0.29
Free Cash Flow Yield
0.00%11.79%6.24%24.58%13.32%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.96 8.74 10.30 8.55 9.26
Price-to-Sales (P/S) Ratio
 1.86 1.45 1.50 1.53 2.12
Price-to-Book (P/B) Ratio
 1.26 0.95 0.96 0.93 1.12
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 8.48 16.03 4.07 7.51
Price-to-Operating Cash Flow Ratio
 0.00 7.45 9.98 4.04 7.33
Price-to-Earnings Growth (PEG) Ratio
 0.26 0.28 -1.80 -7.57 -2.83
Price-to-Fair Value
 1.26 0.95 0.96 0.93 1.12
Enterprise Value Multiple
 10.13 9.36 4.83 7.65 8.01
Enterprise Value
 144.91M 116.10M 46.66M 78.60M 82.67M
EV to EBITDA
 10.13 9.36 4.83 7.65 8.01
EV to Sales
 2.45 2.16 0.99 1.94 2.59
EV to Free Cash Flow
 0.00 12.58 10.62 5.15 9.17
EV to Operating Cash Flow
 0.00 11.05 6.61 5.11 8.94
Tangible Book Value Per Share
 20.97 19.88 17.71 16.11 14.60
Shareholders’ Equity Per Share
 20.97 19.88 17.71 16.11 14.60
Tax and Other Ratios
Effective Tax Rate
 0.23 0.22 0.22 0.22 0.22
Revenue Per Share
 14.25 13.00 11.36 9.76 7.70
Net Income Per Share
 2.67 2.16 1.65 1.75 1.77
Tax Burden
 0.77 0.78 0.78 0.78 0.78
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.11 0.04 0.04 0.03 0.03
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.00 1.17 1.03 2.12 1.26
Currency in USD