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Potomac Bancshares (PTBS) AI Stock Analysis
Potomac Bancshares
(Other OTC:PTBS)
The company's financial foundation is solid, driven by consistent revenue growth and a conservative balance sheet, which are the primary strengths. An attractive valuation with a low P/E and decent dividend yield further supports the score. The main offset is a neutral technical picture, which suggests limited near-term price catalysts despite the positive fundamentals.
Potomac Bancshares (PTBS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $110.04M
- Dividend Yield
- 2.11%
- Average Volume (3M)
- 2,206
- Price to Earnings (P/E)
- 9.7
- Beta (1Y)
- 0.44
- Revenue Growth
- 15.52%
- EPS Growth
- 32.39%
- Country
- US
- Employees
- 93
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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, inc...
Potomac Bancshares Financial Statement Overview
Summary
Strong revenue growth (CAGR ~15%) and a robust balance sheet with low leverage (D/E 0.50) support financial health. However, uneven cash flow and low operating cash flow coverage temper the overall score.
Income Statement
78PositiveBalance Sheet
85Very PositiveCash Flow
65Positive| 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 | 9.23M | 4.39M | 15.27M | 9.02M | 10.55M |
| Operating Cash Flow | 0 | 10.51M | 7.06M | 15.37M | 9.24M | 10.72M |
| Investing Cash Flow | 0 | -49.46M | -48.86M | -24.60M | -129.64M | -46.95M |
| Financing Cash Flow | 0 | 53.84M | 38.10M | 65.57M | 43.98M | 83.32M |
Potomac Bancshares Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PTBS, the sentiment is Positive. The current price of 26.65 is above the 20-day moving average (MA) of 26.49, above the 50-day MA of 26.55, and above the 200-day MA of 22.82, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 50.97 is Neutral, neither overbought nor oversold. The STOCH value of 68.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PTBS.
Potomac Bancshares Peers Comparison
Overall Rating
VABK86Outperform
CBNA80Outperform- PTBS73.5Outperform
WSBK70Outperform
UNB63Neutral
BRBS57Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| VABK | 86Outperform | $279.46M | 10.43 | 14.18% | 2.80% | 7.74% | 49.05% |
| CBNA | 80Outperform | $332.21M | 10.12 | 18.26% | ― | 37.64% | ― |
| PTBS | 74Outperform | $110.06M | 9.72 | 13.27% | 2.11% | 15.52% | 32.39% |
| WSBK | 70Outperform | $119.54M | 25.17 | 3.96% | ― | 18.75% | 578.67% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| UNB | 63Neutral | $112.91M | 8.68 | 15.07% | 6.31% | 3.17% | 5.55% |
| BRBS | 57Neutral | $352.47M | -1403.57 | 0.25% | ― | -16.70% | -108.21% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PTBS | Potomac Bancshares | 26.55 | 8.78 | 49.39% | |
| UNB | Union Bankshares, Inc. | 22.57 | 0.91 | 4.20% | |
| BRBS | Blue Ridge Bankshares | 4.01 | 0.23 | 6.20% | |
| VABK | Virginia National Bankshares Corporation | 52.80 | 14.68 | 38.51% | |
| CBNA | Chain Bridge Bancorp, Inc. Class A | 51.51 | 21.44 | 71.30% | |
| WSBK | Winchester Bancorp, Inc. | 13.44 | 3.87 | 40.44% |
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.
Date of analysis: Nov 02, 2026