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Potomac Bancshares, Inc. PTBS OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Potomac Bancshares, Inc. (PTBS) is a Banks - Regional company in the Financial Services sector, currently trading at $19.75. It has a SharesGrow Score of 66/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $54M, +21.7%/yr average growth. Net income is $9M, growing at +8.2%/yr. Net profit margin is 16.6% (healthy). Gross margin is 71.2% (-28.8 pp trend).

Balance sheet: total debt is $41M against $82M equity (Debt-to-Equity (D/E) ratio 0.5, moderate). Current ratio is 0.44 (tight liquidity). Debt-to-assets is 4.4%. Total assets: $944M.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 83/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

PTBS SharesGrow Score Overview

68/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 83/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 17/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — PTBS

PTBS trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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PTBS: +21.7%/yr revenue is, +8.2%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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PTBS: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet PTBS: Debt-to-Equity (D/E) ratio 0.5 (moderate), Current ratio is 0.44 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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PTBS: Gross margin is 71.2% (-28.8 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

PTBS: Net profit margin is 16.6%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range14.59-20.28

Volume88

Avg Volume (30D)970

Market Cap$81.86M

Beta (1Y)0.23

Dividend Yield$0.5200

Share Statistics

EPS (TTM)2.16

Shares Outstanding$4.14M

IPO Date1999-01-04

Employees93

CEOAlice Poutasse Frazier

Financial Highlights & Ratios

Revenue (TTM)$53.86M

Gross Profit$38.35M

EBITDA$11.5M

Net Income$8.96M

Operating Income$11.5M

Total Debt$41.45M

Net Debt$41.45M

Total Assets$944.13M

Price / Earnings (P/E)9.1

Price / Sales (P/S)1.52

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS7376431067

Price Chart

PTBS

Potomac Bancshares, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

14.59 52WK RANGE 20.28

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