Potomac Bancshares, Inc. (PTBS)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 23 | 27 | 29 | 31 | 32 | 38 | 43 | - |
| Operating profit | $m | 12 | 14 | ||||||
| Net profit | $m | 4 | 8 | 7 | 7 | 7 | 9 | 11 | - |
| EPS reported | $ | 2.16 | 2.66 | ||||||
| Operating cashflow per share | $ | 2.53 | 0.00 | ||||||
| Capex per share | $ | 0.31 | 0.00 | ||||||
| FCF per share | $ | 2.23 | 0.00 | ||||||
| Free cash flow | $m | 9 | 0 | ||||||
| Net debt | $m | 38 | 35 | ||||||
| Book value equity | $m | 82 | 87 | ||||||
| Book value per share | $ | 19.88 | 20.97 | ||||||
| Number of shares | m | 4.14 | 4.14 | ||||||
| DPS (TTM paid) | $ | 0.51 | 0.56 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.74 | 11.59 | ||||||
| P/B LTM | x | 0.95 | 0.90 | ||||||
| P/S LTM | x | 2.04 | 1.81 | ||||||
| P/FCF LTM | x | 8.48 | 0.00 | ||||||
| EV/EBITDA LTM | x | 9.36 | 8.11 | ||||||
| EV/Sales LTM | x | 2.16 | 2.35 | ||||||
| Earnings Yield LTM | % | +11.44% | +8.63% | ||||||
| FCF Yield | % | +11.79% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +10.87% | +12.08% | ||||||
| ROIC | % | +0.95% | +1.01% | ||||||
| Operating margin | % | +21.35% | +22.46% | ||||||
| Gross margin | % | +71.20% | +71.78% | ||||||
| FCF/Sales | % | +17.13% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +30.91% | +61.21% | ||||||
| Sales Growth YoY | % | +18.10% | +33.22% | ||||||
| Net Income Growth YoY | % | +31.15% | +61.93% | ||||||
| FCF Growth | % | +109.94% | -100.00% | ||||||
| Operating Profit Growth | % | +30.68% | +62.61% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.70% | +2.25% | ||||||
| Dividend Growth | % | +10.87% | +21.74% | ||||||
| Payout Ratio | % | +23.60% | 0.00% | ||||||
| FCF/Debt | x | 0.22 | 0.00 | ||||||
| Net Debt/EBITDA | x | 3.05 | 2.62 | ||||||
| EBIT/Net interest | x | 0.74 | 0.81 | ||||||
| Net debt/market cap | % | +52.97% | +39.45% | ||||||
| Net debt/Equity | x | 0.46 | 0.40 | ||||||
| Gross debt/equity | x | 0.50 | 0.46 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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, including checking, savings, and individual retirement accounts, alongside certificates of deposit (CDs). For personal financing needs, they provide loans for new and pre-owned vehicles, home equity loans and lines of credit (HELOCs), unsecured personal and home improvement loans, retail equipment financing, lot loans, and loans secured by CDs. Businesses can access various commercial lending options, such as financing for building or office acquisitions, commercial real estate and construction projects, and the purchase of production and administrative equipment. Their broader loan portfolio includes general lines of credit, mortgages, term loans, residential and commercial construction financing, commercial real estate loans, and agricultural loans. Further enhancing its service offerings, the institution provides credit and debit cards, Card Pay solutions, cash management services, and merchant processing. They also extend a variety of financial advisory services, including financial planning, trust and estate administration, investment management, wealth management, and full-service brokerage. Customers can also seek assistance with retirement and insurance planning, asset allocation and management, and college planning. For convenient access, the bank supports telephone, mobile, and online banking platforms. The company's operations are supported by nine full-service branch locations and a dedicated loan production office, strategically situated in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. Potomac Bancshares, Inc. was established in 1871 and is headquartered in Charles Town, West Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Potomac Bancshares, Inc. (PTBS)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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, including checking, savings, and individual retirement accounts, alongside certificates of deposit (CDs). For personal financing needs, they provide loans for new and pre-owned vehicles, home equity loans and lines of credit (HELOCs), unsecured personal and home improvement loans, retail equipment financing, lot loans, and loans secured by CDs. Businesses can access various commercial lending options, such as financing for building or office acquisitions, commercial real estate and construction projects, and the purchase of production and administrative equipment. Their broader loan portfolio includes general lines of credit, mortgages, term loans, residential and commercial construction financing, commercial real estate loans, and agricultural loans. Further enhancing its service offerings, the institution provides credit and debit cards, Card Pay solutions, cash management services, and merchant processing. They also extend a variety of financial advisory services, including financial planning, trust and estate administration, investment management, wealth management, and full-service brokerage. Customers can also seek assistance with retirement and insurance planning, asset allocation and management, and college planning. For convenient access, the bank supports telephone, mobile, and online banking platforms. The company's operations are supported by nine full-service branch locations and a dedicated loan production office, strategically situated in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. Potomac Bancshares, Inc. was established in 1871 and is headquartered in Charles Town, West Virginia.
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