Potomac Bancshares, Inc. Logo

Potomac Bancshares, Inc.

PTBS

(1.8)
Stock Price

15,50 USD

0.79% ROA

9.8% ROE

9.08x PER

Market Cap.

58.700.102,00 USD

22.98% DER

3.1% Yield

14.63% NPM

Potomac Bancshares, Inc. Stock Analysis

Potomac Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Potomac Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (6%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 PBV

The stock's PBV ratio (2.01x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

4 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

5 Buffet Intrinsic Value

The company's stock seems undervalued (295) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

6 ROE

The stock's ROE indicates a negative return (-3.87%) on shareholders' equity, suggesting poor financial performance.

7 ROA

The stock's ROA (-0.35%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

Potomac Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Potomac Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Potomac Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Potomac Bancshares, Inc. Revenue
Year Revenue Growth
1997 1.255.793
1998 1.250.913 -0.39%
1999 7.000.000 82.13%
2000 7.508.435 6.77%
2001 8.555.715 12.24%
2002 10.552.353 18.92%
2003 11.394.992 7.39%
2004 12.757.000 10.68%
2005 14.474.000 11.86%
2006 15.933.000 9.16%
2007 15.894.000 -0.25%
2008 15.236.000 -4.32%
2009 14.849.000 -2.61%
2010 13.837.000 -7.31%
2011 14.039.000 1.44%
2012 13.508.000 -3.93%
2013 15.114.000 10.63%
2014 14.486.000 -4.34%
2015 15.748.000 8.01%
2016 18.724.000 15.89%
2017 21.395.000 12.48%
2018 14.956.000 -43.05%
2018 22.242.000 32.76%
2019 25.533.000 12.89%
2020 27.094.000 5.76%
2021 29.833.000 9.18%
2022 32.769.000 8.96%
2023 31.744.000 -3.23%
2024 45.756.000 30.62%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Potomac Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1997 0
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Potomac Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1997 2.473.151
1998 2.627.960 5.89%
1999 2.600.000 -1.08%
2000 2.860.274 9.1%
2001 3.143.150 9%
2002 3.520.647 10.72%
2003 3.954.725 10.98%
2004 4.076.000 2.98%
2005 4.518.000 9.78%
2006 5.104.000 11.48%
2007 5.252.000 2.82%
2008 5.146.000 -2.06%
2009 5.884.000 12.54%
2010 5.767.000 -2.03%
2011 6.146.000 6.17%
2012 0 0%
2013 0 0%
2014 1.531.000 100%
2015 1.420.000 -7.82%
2016 1.539.000 7.73%
2017 1.768.000 12.95%
2018 0 0%
2018 2.023.000 100%
2019 986.000 -105.17%
2020 798.000 -23.56%
2021 934.000 14.56%
2022 1.081.000 13.6%
2023 3.369.000 67.91%
2024 1.716.000 -96.33%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Potomac Bancshares, Inc. EBITDA
Year EBITDA Growth
1997 2.948.416
1998 2.582.422 -14.17%
1999 2.600.000 0.68%
2000 3.104.028 16.24%
2001 3.463.464 10.38%
2002 4.284.010 19.15%
2003 4.882.345 12.26%
2004 5.506.000 11.33%
2005 6.331.000 13.03%
2006 6.923.000 8.55%
2007 6.033.000 -14.75%
2008 3.247.000 -85.8%
2009 -3.103.000 204.64%
2010 3.024.000 202.61%
2011 -1.783.000 269.6%
2012 0 0%
2013 0 0%
2014 -457.000 100%
2015 -516.000 11.43%
2016 -494.000 -4.45%
2017 -327.000 -51.07%
2018 4.156.000 107.87%
2018 -236.000 1861.02%
2019 -120.000 -96.67%
2020 -145.000 17.24%
2021 -192.000 24.48%
2022 -199.000 3.52%
2023 -361.000 44.88%
2024 -7.300.000 95.05%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Potomac Bancshares, Inc. Gross Profit
Year Gross Profit Growth
1997 1.255.793
1998 1.250.913 -0.39%
1999 7.000.000 82.13%
2000 7.508.435 6.77%
2001 8.555.715 12.24%
2002 10.552.353 18.92%
2003 11.394.992 7.39%
2004 12.757.000 10.68%
2005 14.474.000 11.86%
2006 15.933.000 9.16%
2007 15.894.000 -0.25%
2008 15.236.000 -4.32%
2009 14.849.000 -2.61%
2010 13.837.000 -7.31%
2011 14.039.000 1.44%
2012 13.508.000 -3.93%
2013 15.114.000 10.63%
2014 14.486.000 -4.34%
2015 15.748.000 8.01%
2016 18.724.000 15.89%
2017 21.395.000 12.48%
2018 14.956.000 -43.05%
2018 22.242.000 32.76%
2019 25.533.000 12.89%
2020 27.094.000 5.76%
2021 29.833.000 9.18%
2022 32.769.000 8.96%
2023 31.665.000 -3.49%
2024 45.756.000 30.8%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Potomac Bancshares, Inc. Net Profit
Year Net Profit Growth
1997 1.721.704
1998 1.489.129 -15.62%
1999 1.500.000 0.72%
2000 1.814.315 17.32%
2001 2.009.267 9.7%
2002 2.459.170 18.29%
2003 2.673.668 8.02%
2004 3.090.000 13.47%
2005 3.664.000 15.67%
2006 4.035.000 9.19%
2007 3.530.000 -14.31%
2008 1.862.000 -89.58%
2009 -2.240.000 183.13%
2010 1.794.000 224.86%
2011 -1.010.000 277.62%
2012 1.639.000 161.62%
2013 2.328.000 29.6%
2014 2.159.000 -7.83%
2015 2.580.000 16.32%
2016 2.218.000 -16.32%
2017 3.811.000 41.8%
2018 3.268.000 -16.62%
2018 3.392.000 3.66%
2019 3.213.000 -5.57%
2020 3.785.000 15.11%
2021 7.570.000 50%
2022 7.311.000 -3.54%
2023 7.264.000 -0.65%
2024 5.684.000 -27.8%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Potomac Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1997 0
1998 0 0%
1999 0 0%
2000 1 0%
2001 1 0%
2002 2 100%
2003 1 0%
2004 1 0%
2005 1 100%
2006 1 0%
2007 1 0%
2008 1 0%
2009 -1 0%
2010 1 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 2 100%
2022 2 0%
2023 2 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Potomac Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
1997 1.921.461
1998 1.534.101 -25.25%
1999 900.000 -70.46%
2000 534.208 -68.47%
2001 1.094.558 51.19%
2002 242.957 -350.52%
2003 918.600 73.55%
2004 2.787.000 67.04%
2005 3.490.000 20.14%
2006 2.836.000 -23.06%
2007 -5.565.000 150.96%
2008 10.450.000 153.25%
2009 -515.000 2129.13%
2010 5.003.000 110.29%
2011 4.322.000 -15.76%
2012 -1.206.000 458.37%
2012 0 0%
2013 0 0%
2014 3.033.000 100%
2015 3.733.000 18.75%
2016 2.886.000 -29.35%
2017 3.030.000 4.75%
2018 2.964.000 -2.23%
2019 2.783.000 -6.5%
2020 3.978.000 30.04%
2021 3.361.000 -18.36%
2022 8.492.000 60.42%
2023 15.265.000 44.37%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Potomac Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
1997 2.077.427
1998 1.768.817 -17.45%
1999 2.100.000 15.77%
2000 1.805.227 -16.33%
2001 1.593.939 -13.26%
2002 1.728.605 7.79%
2003 2.076.707 16.76%
2004 4.188.000 50.41%
2005 4.326.000 3.19%
2006 3.794.000 -14.02%
2007 -5.181.000 173.23%
2008 12.765.000 140.59%
2009 773.000 -1551.36%
2010 5.102.000 84.85%
2011 4.452.000 -14.6%
2012 -1.185.000 475.7%
2012 0 0%
2013 0 0%
2014 3.265.000 100%
2015 3.984.000 18.05%
2016 3.293.000 -20.98%
2017 3.568.000 7.71%
2018 4.138.000 13.77%
2019 3.595.000 -15.1%
2020 4.146.000 13.29%
2021 8.531.000 51.4%
2022 8.716.000 2.12%
2023 15.370.000 43.29%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Potomac Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
1997 155.966
1998 234.716 33.55%
1999 1.200.000 80.44%
2000 1.271.019 5.59%
2001 499.381 -154.52%
2002 1.485.648 66.39%
2003 1.158.107 -28.28%
2004 1.401.000 17.34%
2005 836.000 -67.58%
2006 958.000 12.73%
2007 384.000 -149.48%
2008 2.315.000 83.41%
2009 1.288.000 -79.74%
2010 99.000 -1201.01%
2011 130.000 23.85%
2012 21.000 -519.05%
2012 0 0%
2013 0 0%
2014 232.000 100%
2015 251.000 7.57%
2016 407.000 38.33%
2017 538.000 24.35%
2018 1.174.000 54.17%
2019 812.000 -44.58%
2020 168.000 -383.33%
2021 5.170.000 96.75%
2022 224.000 -2208.04%
2023 105.000 -113.33%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Potomac Bancshares, Inc. Equity
Year Equity Growth
1997 15.297.951
1998 16.196.156 5.55%
1999 16.700.000 3.02%
2000 17.963.748 7.03%
2001 19.416.534 7.48%
2002 21.312.396 8.9%
2003 21.331.705 0.09%
2004 22.756.000 6.26%
2005 25.032.000 9.09%
2006 26.717.000 6.31%
2007 29.015.000 7.92%
2008 27.804.000 -4.36%
2009 25.572.000 -8.73%
2010 26.776.000 4.5%
2011 25.465.000 -5.15%
2014 30.050.000 15.26%
2015 31.833.000 5.6%
2016 33.183.000 4.07%
2017 35.819.000 7.36%
2018 48.684.000 26.43%
2018 49.524.000 1.7%
2019 51.922.000 4.62%
2020 54.812.000 5.27%
2021 60.770.000 9.8%
2022 60.460.000 -0.51%
2023 66.873.999 9.59%
2024 69.305.000 3.51%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Potomac Bancshares, Inc. Assets
Year Assets Growth
1997 130.556.528
1998 148.103.564 11.85%
1999 144.700.000 -2.35%
2000 148.221.426 2.38%
2001 173.092.097 14.37%
2002 192.876.913 10.26%
2003 206.642.582 6.66%
2004 248.536.000 16.86%
2005 277.327.000 10.38%
2006 292.749.000 5.27%
2007 298.224.000 1.84%
2008 300.381.000 0.72%
2009 303.189.000 0.93%
2010 297.609.000 -1.87%
2011 287.393.000 -3.55%
2014 320.919.000 10.45%
2015 351.757.000 8.77%
2016 383.706.000 8.33%
2017 425.494.000 9.82%
2018 475.499.000 10.52%
2018 484.550.000 1.87%
2019 515.785.999 6.06%
2020 620.912.000 16.93%
2021 711.388.000 12.72%
2022 756.050.000 5.91%
2023 830.714.000 8.99%
2024 832.450.000 0.21%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Potomac Bancshares, Inc. Liabilities
Year Liabilities Growth
1997 0
1998 0 0%
1999 300.000 100%
2000 302.684 0.89%
2001 2.575.010 88.25%
2002 2.202.412 -16.92%
2003 185.310.877 98.81%
2004 225.780.000 17.92%
2005 252.295.000 10.51%
2006 266.032.000 5.16%
2007 269.209.000 1.18%
2008 272.577.000 1.24%
2009 277.617.000 1.82%
2010 270.833.000 -2.5%
2011 261.928.000 -3.4%
2014 290.869.000 9.95%
2015 319.924.000 9.08%
2016 350.523.000 8.73%
2017 389.675.000 10.05%
2018 0 0%
2018 435.026.000 100%
2019 463.864.000 6.22%
2020 566.100.000 18.06%
2021 650.618.000 12.99%
2022 695.590.000 6.47%
2023 763.840.000 8.94%
2024 15.927.000 -4695.88%

Potomac Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
10.69
Net Income per Share
1.56
Price to Earning Ratio
9.08x
Price To Sales Ratio
1.31x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.86
EV to Sales
1.67
EV Over EBITDA
-11.33
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
0,06 Bil.
Enterprise Value
0,07 Bil.
Graham Number
24.15
Graham NetNet
-3.81

Income Statement Metrics

Net Income per Share
1.56
Income Quality
0
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.78
EBT Per Ebit
0.96
Ebit per Revenue
0.2
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.2
Pretax Profit Margin
0.19
Net Profit Margin
0.15

Dividends

Dividend Yield
0.03
Dividend Yield %
3.1
Payout Ratio
0
Dividend Per Share
0.44

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.08
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
195,37
Tangible Book Value per Share
195.37
Shareholders Equity per Share
16.58
Interest Debt per Share
6.11
Debt to Equity
0.23
Debt to Assets
0.02
Net Debt to EBITDA
-2.42
Current Ratio
0
Tangible Asset Value
0,82 Bil.
Net Current Asset Value
-0,02 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.27

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Potomac Bancshares, Inc. Dividends
Year Dividends Growth
2003 1
2004 1 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2011 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Potomac Bancshares, Inc. Profile

About Potomac Bancshares, Inc.

Potomac Bancshares, Inc. operates as the bank holding company for Bank of Charles Town that provides various banking products and services to individuals and businesses. The company offers checking, savings, and individual retirement accounts; and certificates of deposit (CD). It also provides personal loans, including new and used vehicle, home equity, unsecured home improvement and personal, retail equipment, and lot loans, as well as loans secured by CD, and home equity lines of credit; commercial loans for building or office purchases, commercial real estate and construction, and production and administrative equipment purchases; lines of credit; mortgage, term, residential and commercial construction, commercial real estate, and agricultural loans; and credit and debit cards. In addition, the company offers Card Pay, cash management, merchant, financial planning, trust and estate, investment management, wealth management, full-service brokerage, retirement and insurance planning and products, asset allocation and management, and college planning services, as well as telephone, mobile, and online banking services. It operates through nine full-service offices and one loan production office located in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. The company was founded in 1871 and is based in Charles Town, West Virginia.

CEO
Ms. Alice Poutasse Frazier
Employee
93
Address
111 East Washington Street
Charles Town, 25414-0906

Potomac Bancshares, Inc. Executives & BODs

Potomac Bancshares, Inc. Executives & BODs
# Name Age
1 Ms. Alice Poutasse Frazier
President, Chief Executive Officer & Director
70
2 Mr. Dean J. Cognetti
Chief Financial Officer, Executive Vice President, Head of Investor Relations, Treasurer & Company Secretary
70
3 Mr. Stephen Cowen
Senior Vice President and Director Of Mortgage Banking
70
4 Mr. Raymond F. Goodrich
Executive Vice President & Chief Lending Officer
70

Potomac Bancshares, Inc. Competitors