Want to see PTBS full AI Analyst Report?
Top Page
Potomac Bancshares
(OTC:PTBS)
Select Model
Select Model
Rating:77Outperform
Price Target:
$30.00
▲(12.28% Upside)
Action:Reiterated
Date:08/02/26
PTBS scores well primarily on steady financial performance (consistent revenue growth, solid profitability, and a generally sound balance sheet) and positive technical trend (price above all key moving averages). Valuation further supports the score with a low P/E and ~2.08% dividend yield. The main offsets are margin compression versus prior peaks, increased leverage since 2023, and historically volatile cash flow.
Positive Factors
Consistent Revenue Growth
Multi-year top-line growth (~7% YoY into 2025) indicates durable core demand for lending and deposit services in the bank's markets. Reliable revenue expansion supports predictable net interest income and fee generation, aiding budgeting, capital planning and sustainable earnings over quarters.
Negative Factors
Rising Leverage Since 2023
A material rise in leverage since 2023 reduces financial flexibility and heightens sensitivity to interest-cost changes or asset-quality deterioration. Higher debt levels can compress net interest margin via increased funding costs and limit capacity to absorb future loan losses or pursue growth without added capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Multi-year top-line growth (~7% YoY into 2025) indicates durable core demand for lending and deposit services in the bank's markets. Reliable revenue expansion supports predictable net interest income and fee generation, aiding budgeting, capital planning and sustainable earnings over quarters.
Read all positive factors
Potomac Bancshares (PTBS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$110.74M
Dividend Yield2.12%
Average Volume (3M)1.10K
Price to Earnings (P/E)9.9
Beta (1Y)0.44
Revenue Growth16.39%
EPS Growth38.67%
CountryUS
Employees93
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.66
Shares Outstanding4,144,561
10 Day Avg. Volume275
30 Day Avg. Volume1,104
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.95
Price to Sales (P/S)1.45
P/FCF Ratio8.48
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Potomac Bancshares Business Overview & Revenue Model
Company Description
Potomac Bancshares, Inc. serves as the parent company for Bank of Charles Town, delivering a comprehensive suite of financial solutions to individual consumers and commercial enterprises alike. The bank offers a diverse range of deposit accounts, ...
How the Company Makes Money
Potomac Bancshares primarily makes money through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income (fees), while managing operating costs and credit losses. Net interest income is typically the largest...
Potomac Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
69
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 59.07M | 53.86M | 47.09M | 40.53M | 31.91M | 29.04M |
| Gross Profit | 42.81M | 38.35M | 32.47M | 30.96M | 29.12M | 26.61M |
| EBITDA | 14.31M | 12.41M | 9.66M | 10.27M | 10.32M | 10.76M |
| Net Income | 11.06M | 8.96M | 6.83M | 7.26M | 7.31M | 7.57M |
Balance Sheet | ||||||
| Total Assets | 981.40M | 944.13M | 877.35M | 830.71M | 756.05M | 711.39M |
| Cash, Cash Equivalents and Short-Term Investments | 4.88M | 3.60M | 64.76M | 3.52M | 12.36M | 89.02M |
| Total Debt | 39.97M | 41.45M | 40.96M | 20.03M | 27.31M | 18.68M |
| Total Liabilities | 894.50M | 861.74M | 803.93M | 763.84M | 695.59M | 650.62M |
| Stockholders Equity | 86.90M | 82.39M | 73.42M | 66.87M | 60.46M | 60.77M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 9.23M | 4.39M | 15.27M | 9.02M | 10.55M |
| Operating Cash Flow | 0.00 | 10.51M | 7.06M | 15.37M | 9.24M | 10.72M |
| Investing Cash Flow | 0.00 | -49.46M | -48.86M | -24.60M | -129.64M | -46.95M |
| Financing Cash Flow | 0.00 | 53.84M | 38.10M | 65.57M | 43.98M | 83.32M |
Potomac Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $301.87M | 11.16 | 15.42% | ― | 14.46% | 23.69% | |
77 Outperform | $110.74M | 9.94 | 12.08% | 2.27% | 16.39% | 38.67% | |
76 Outperform | $254.83M | 10.13 | 13.36% | 3.21% | 5.91% | 37.89% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | $117.51M | 9.00 | 14.72% | 5.81% | 10.15% | 28.62% | |
57 Neutral | $351.58M | 36.75 | 3.40% | ― | -10.98% | ― | |
57 Neutral | $116.67M | 25.98 | 3.72% | ― | 16.05% | ― |
* Financial Sector Average
PTBS
Potomac Bancshares
26.45
9.61
57.05%
UNB
Union Bankshares
23.50
-1.12
-4.56%
BRBS
Blue Ridge Bankshares
3.94
0.71
22.17%
VABK
Virginia National Bankshares
46.38
6.33
15.80%
CBNA
Chain Bridge Bancorp, Inc. Class A
45.30
15.67
52.89%
WSBK
Winchester Bancorp, Inc.
12.99
3.54
37.46%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.