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PTBS

Potomac Bancshares, Inc.

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Price alert · PTBS

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26.55 USD 0.00 0.00%
As of Oct 30, 2026
26.55 Day range 26.56
18.10 52-week range 27.60
YTD
+40.63%
1 year
+47.42%
Open
26.56
Prev close
26.55
Mkt cap
110.04M
Vol
500
Avg vol
1.12K
EPS
2.62
P/E
10.13
More statistics
Low
26.55
High
26.56
Earnings
Feb 6, 2025

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Financial health

Altman Z-Score

0.29 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 8.7×
FY 2016: 14.5×FY 2017: 12.5×FY 2018: 15.0×FY 2019: 18.1×FY 2020: 13.4×FY 2021: 10.1×FY 2022: 9.2×FY 2023: 8.5×FY 2024: 10.3×FY 2025: 8.7×
FY 2016 5y median 9.2× FY 2025
P/S 1.5×
FY 2016: 1.8×FY 2017: 2.3×FY 2018: 2.4×FY 2019: 2.4×FY 2020: 1.9×FY 2021: 2.6×FY 2022: 2.1×FY 2023: 1.5×FY 2024: 1.5×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/B 0.9×
FY 2016: 1.0×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 8.5×
FY 2016: 10.0×FY 2017: 15.7×FY 2018: 19.2×FY 2019: 20.9×FY 2020: 15.4×FY 2021: 7.2×FY 2022: 7.5×FY 2023: 4.1×FY 2024: 16.0×FY 2025: 8.5×
FY 2016 5y median 7.5× FY 2025
EV/EBITDA 9.4×
FY 2016: 7.3×FY 2017: 4.1×FY 2018: 10.9×FY 2019: 6.0×FY 2020: 3.8×FY 2021: 0.5×FY 2022: 8.0×FY 2023: 7.6×FY 2024: 4.8×FY 2025: 9.4×
FY 2016 5y median 7.6× FY 2025
EV/Sales 2.2×
FY 2016: 1.6×FY 2017: 1.3×FY 2018: 2.5×FY 2019: 1.2×FY 2020: 0.8×FY 2021: 0.2×FY 2022: 2.6×FY 2023: 1.9×FY 2024: 1.0×FY 2025: 2.2×
FY 2016 5y median 1.9× FY 2025
FCF Yield 11.8%
FY 2016: 10.0%FY 2017: 6.4%FY 2018: 5.2%FY 2019: 4.8%FY 2020: 6.5%FY 2021: 13.9%FY 2022: 13.3%FY 2023: 24.6%FY 2024: 6.2%FY 2025: 11.8%
FY 2016 5y median 13.3% FY 2025

Profitability

Gross Margin 71.2%
FY 2016: 90.2%FY 2017: 89.8%FY 2018: 87.4%FY 2019: 84.7%FY 2020: 86.7%FY 2021: 91.7%FY 2022: 91.3%FY 2023: 76.4%FY 2024: 69.0%FY 2025: 71.2%
FY 2016 5y median 76.4% FY 2025
Operating Margin 21.4%
FY 2016: 18.7%FY 2017: 28.7%FY 2018: 20.2%FY 2019: 16.7%FY 2020: 18.4%FY 2021: 33.7%FY 2022: 29.4%FY 2023: 23.1%FY 2024: 18.7%FY 2025: 21.4%
FY 2016 5y median 23.1% FY 2025
Net Margin 16.6%
FY 2016: 12.3%FY 2017: 18.5%FY 2018: 15.8%FY 2019: 13.0%FY 2020: 14.3%FY 2021: 26.1%FY 2022: 22.9%FY 2023: 17.9%FY 2024: 14.5%FY 2025: 16.6%
FY 2016 5y median 17.9% FY 2025
ROE 10.9%
FY 2016: 6.7%FY 2017: 10.6%FY 2018: 6.8%FY 2019: 6.2%FY 2020: 6.9%FY 2021: 12.5%FY 2022: 12.1%FY 2023: 10.9%FY 2024: 9.3%FY 2025: 10.9%
FY 2016 5y median 10.9% FY 2025
ROIC 0.9%
FY 2016: 4.5%FY 2017: 7.2%FY 2018: 0.7%FY 2019: 4.9%FY 2020: 0.7%FY 2021: 1.3%FY 2022: 1.3%FY 2023: 1.5%FY 2024: 5.6%FY 2025: 0.9%
FY 2016 5y median 1.3% FY 2025
ROA 0.9%
FY 2016: 0.6%FY 2017: 0.9%FY 2018: 0.7%FY 2019: 0.6%FY 2020: 0.6%FY 2021: 1.1%FY 2022: 1.0%FY 2023: 0.9%FY 2024: 0.8%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 14.4%
FY 2016: 8.2%FY 2017: 14.3%FY 2018: 4.0%FY 2019: 15.1%FY 2020: 6.8%FY 2021: 10.1%FY 2022: 9.9%FY 2023: 27.0%FY 2024: 16.2%FY 2025: 14.4%
FY 2016 FY 2025
Operating Income 30.7%
FY 2016: -13.8%FY 2017: 74.8%FY 2018: -26.6%FY 2019: -5.3%FY 2020: 17.7%FY 2021: 102.0%FY 2022: -4.0%FY 2023: -0.4%FY 2024: -5.9%FY 2025: 30.7%
FY 2016 FY 2025
EPS (diluted) 30.9%
FY 2016: -13.2%FY 2017: 72.7%FY 2018: -17.5%FY 2019: -17.0%FY 2020: 17.9%FY 2021: 98.9%FY 2022: -3.3%FY 2023: -1.1%FY 2024: -5.7%FY 2025: 30.9%
FY 2016 FY 2025
Free Cash Flow 109.9%
FY 2016: -14.8%FY 2017: -4.7%FY 2018: -12.8%FY 2019: 5.4%FY 2020: 18.5%FY 2021: 219.7%FY 2022: -14.5%FY 2023: 69.2%FY 2024: -71.2%FY 2025: 109.9%
FY 2016 FY 2025

Financial Health

Current Ratio 2.1×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 6.9×FY 2019: 0.1×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 2.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 2.1×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 6.9×FY 2019: 0.1×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 2.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.5×
FY 2016: 0.2×FY 2017: 0.3×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 3.0×
FY 2016: -1.0×FY 2017: -3.4×FY 2018: 0.5×FY 2019: -5.4×FY 2020: -4.9×FY 2021: -6.5×FY 2022: 1.4×FY 2023: 1.6×FY 2024: -2.5×FY 2025: 3.0×
FY 2016 5y median 1.4× FY 2025
Interest Coverage 0.7×
FY 2016: 1.9×FY 2017: 2.8×FY 2018: 1.6×FY 2019: 1.1×FY 2020: 1.4×FY 2021: 4.0×FY 2022: 3.4×FY 2023: 1.0×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 2.7%
FY 2016: 2.6%FY 2017: 1.9%FY 2018: 2.0%FY 2019: 2.0%FY 2020: 2.3%FY 2021: 1.7%FY 2022: 2.1%FY 2023: 2.5%FY 2024: 2.7%FY 2025: 2.7%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 23.6%
FY 2016: 37.7%FY 2017: 23.7%FY 2018: 29.6%FY 2019: 36.0%FY 2020: 30.6%FY 2021: 16.9%FY 2022: 19.8%FY 2023: 21.7%FY 2024: 27.9%FY 2025: 23.6%
FY 2016 5y median 21.7% FY 2025

Annual · latest fiscal year ends 2025-12-31