Potomac Bancshares AI Stock Analysis
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Potomac Bancshares (PTBS) AI Stock Analysis
Potomac Bancshares
(Other OTC:PTBS)
PTBS scores well primarily on solid financial performance (steady revenue growth and healthy profitability, though with some margin compression, higher post-2023 leverage, and cash-flow volatility). Valuation is a key positive with a low P/E and a moderate dividend yield. Technical indicators are neutral overall, with only mild longer-term positivity.
Potomac Bancshares (PTBS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $109.25M
- Dividend Yield
- 2.20%
- Average Volume (3M)
- 2,020
- 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 and consistent revenue growth through 2025 and solid profitability (net margin ~17% in 2025) support the score. Offsetting factors are margin compression versus 2021–2022, higher leverage since 2023 despite improvement in 2025 (debt-to-equity ~0.50), and volatile cash flow (notably the 2024 free-cash-flow drop) even though 2025 free cash flow covered ~0.88x of net income.
Income Statement
78PositiveBalance Sheet
74PositiveCash Flow
69Positive| 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 26.38 is above the 20-day moving average (MA) of 26.37, below the 50-day MA of 26.42, and above the 200-day MA of 22.97, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 50.30 is Neutral, neither overbought nor oversold. The STOCH value of 26.67 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
VABK81Outperform
CBNA80Outperform- PTBS74Outperform
WSBK70Outperform
UNB63Neutral
BRBS48Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| VABK | 81Outperform | $289.38M | 10.85 | 14.18% | 2.69% | 7.74% | 49.05% |
| CBNA | 80Outperform | $336.89M | 10.47 | 18.26% | ― | 37.64% | 75.27% |
| PTBS | 74Outperform | $108.92M | 9.65 | 13.27% | 2.20% | 15.52% | 32.39% |
| WSBK | 70Outperform | $122.58M | 26.11 | 3.96% | ― | 18.75% | 578.67% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| UNB | 63Neutral | $111.55M | 8.64 | 15.07% | 6.34% | 6.11% | 5.22% |
| BRBS | 48Neutral | $362.32M | -1442.86 | 0.25% | ― | -16.70% | -108.21% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PTBS | Potomac Bancshares | 26.38 | 7.76 | 41.70% | |
| UNB | Union Bankshares, Inc. | 22.84 | 2.38 | 11.64% | |
| BRBS | Blue Ridge Bankshares | 4.03 | 0.33 | 8.95% | |
| VABK | Virginia National Bankshares Corporation | 54.00 | 14.97 | 38.36% | |
| CBNA | Chain Bridge Bancorp, Inc. Class A | 52.48 | 22.14 | 72.97% | |
| WSBK | Winchester Bancorp, Inc. | 13.82 | 4.25 | 44.41% |
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