Potomac Bancshares, Inc.
General ticker "PTBS" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $69.4M (TTM average)
Potomac Bancshares, Inc. follows the US Stock Market performance with the rate: 49.2%.
Estimated limits based on current volatility of 0.5%: low 18.24$, high 18.43$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-10-31, amount 0.13$ (Y2.82%)
- Total employees count: 93 as of 2011
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Regulatory and compliance, Liquidity and credit risks, Interest rate fluctuations, Market risk
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [15.11$, 20.30$]
- 2025-12-31 to 2026-12-31 estimated range: [15.72$, 21.36$]
Financial Metrics affecting the PTBS estimates:
- Positive: with PPE of 9.6 at the end of fiscal year the price was very low
- Positive: Operating profit margin, % of 18.69 > 18.64
- Positive: 6.82 < Operating cash flow per share per price, % of 10.33
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: Industry earnings per price (median), % of 6.49 > 4.43
- Negative: Shareholder equity ratio, % of 8.37 <= 18.93
- Negative: -0.15 < Industry inventory ratio change (median), % of 0
Short-term PTBS quotes
Long-term PTBS plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $31.91MM | $40.53MM | $47.09MM |
| Operating Expenses | $22.52MM | $31.18MM | $38.29MM |
| Operating Income | $9.39MM | $9.35MM | $8.80MM |
| Interest Expense | $2.79MM | $9.57MM | $14.62MM |
| Income(Loss) | $9.39MM | $9.35MM | $8.80MM |
| Taxes | $2.08MM | $2.09MM | $1.97MM |
| Profit(Loss)* | $7.31MM | $7.26MM | $6.83MM |
| Stockholders Equity | $60.46MM | $66.87MM | $73.42MM |
| Inventory | $5.38MM | $0.00MM | $0.00MM |
| Assets | $756.05MM | $830.71MM | $877.35MM |
| Operating Cash Flow | $9.24MM | $15.37MM | $7.06MM |
| Capital expenditure | $0.22MM | $0.10MM | $2.67MM |
| Investing Cash Flow | $-129.64MM | $-24.60MM | $-48.86MM |
| Financing Cash Flow | $43.98MM | $65.57MM | $38.10MM |
| Earnings Per Share** | $1.77 | $1.75 | $1.65 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.