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Potomac Bancshares Inc (PTBS)
OTHER OTC:PTBS
US Market
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Potomac Bancshares (PTBS) Stock Statistics & Valuation Metrics

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Total Valuation

Potomac Bancshares has a market cap or net worth of $98.18M. The enterprise value is $114.96.
Market Cap$98.18M
Enterprise Value$114.96

Share Statistics

Potomac Bancshares has 4,133,811 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,133,811
Owned by Insiders
Owned by Institutions

Financial Efficiency

Potomac Bancshares’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 0.95%.
Return on Equity (ROE)0.11
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.95%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee579.13K
Profits Per Employee96.30K
Employee Count93
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Potomac Bancshares is 10.2. Potomac Bancshares’s PEG ratio is 0.28.
PE Ratio10.2
PS Ratio1.45
PB Ratio0.95
Price to Fair Value0.95
Price to FCF8.48
Price to Operating Cash Flow0.00
PEG Ratio0.28

Income Statement

In the last 12 months, Potomac Bancshares had revenue of 53.86M and earned 8.96M in profits. Earnings per share was 2.16.
Revenue53.86M
Gross Profit38.35M
Operating Income11.50M
Pretax Income11.49M
Net Income8.96M
EBITDA12.41M
Earnings Per Share (EPS)2.16

Cash Flow

In the last 12 months, operating cash flow was 0.00 and capital expenditures 0.00, giving a free cash flow of 0.00 billion.
Operating Cash Flow0.00
Free Cash Flow0.00
Free Cash Flow per Share0.00

Dividends & Yields

Potomac Bancshares pays an annual dividend of $0.15, resulting in a dividend yield of 2.25%
Dividend Per Share$0.15
Dividend Yield2.25%
Payout Ratio22.82%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.40
52-Week Price Change37.17%
50-Day Moving Average23.35
200-Day Moving Average20.08
Relative Strength Index (RSI)50.79
Average Volume (3m)1.10K

Important Dates

Potomac Bancshares upcoming earnings date is Nov 4, 2026, After Close (Confirmed).
Last Earnings DateJul 29, 2026
Next Earnings DateNov 4, 2026
Ex-Dividend Date

Financial Position

Potomac Bancshares as a current ratio of 2.12, with Debt / Equity ratio of 46.36%
Current Ratio2.12
Quick Ratio2.12
Debt to Market Cap0.53
Net Debt to EBITDA3.05
Interest Coverage Ratio0.74

Taxes

In the past 12 months, Potomac Bancshares has paid 2.53M in taxes.
Income Tax2.53M
Effective Tax Rate0.22

Enterprise Valuation

Potomac Bancshares EV to EBITDA ratio is 9.36, with an EV/FCF ratio of 12.58.
EV to Sales2.16
EV to EBITDA9.36
EV to Free Cash Flow12.58
EV to Operating Cash Flow11.05

Balance Sheet

Potomac Bancshares has $6.13M in cash and marketable securities with $39.24M in debt, giving a net cash position of -$33.11M billion.
Cash & Marketable Securities$6.13M
Total Debt$39.24M
Net Cash-$33.11M
Net Cash Per Share-$8.01
Tangible Book Value Per Share$19.88

Margins

Gross margin is 71.78%, with operating margin of 21.35%, and net profit margin of 16.63%.
Gross Margin71.78%
Operating Margin21.35%
Pretax Margin21.33%
Net Profit Margin16.63%
EBITDA Margin23.04%
EBIT Margin21.35%

Analyst Forecast

The average price target for Potomac Bancshares is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast15.53%
EPS Growth Forecast34.01%

Scores

Smart Score5
AI Score