Potomac Bancshares, Inc.

OTCPK:PTBS Stock Report

Market Cap: US$68.3m

Potomac Bancshares Past Earnings Performance

Past criteria checks 2/6

Potomac Bancshares has been growing earnings at an average annual rate of 16%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 9.9% per year. Potomac Bancshares's return on equity is 9.8%, and it has net margins of 20.4%.

Key information

16.0%

Earnings growth rate

15.9%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate9.9%
Return on equity9.8%
Net Margin20.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How Potomac Bancshares makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

OTCPK:PTBS Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24327330
30 Jun 24327190
31 Mar 24327190
31 Dec 23327190
30 Sep 23318300
30 Jun 23318170
31 Mar 23308170
31 Dec 22297170
30 Sep 22297270
30 Jun 22297150
31 Mar 22287160
31 Dec 21288150
30 Sep 21277260
30 Jun 21256150
31 Mar 21245150
31 Dec 20224150
30 Sep 20224150
30 Jun 20213150
31 Mar 20223150
31 Dec 19213150
30 Sep 19213120
30 Jun 19203120
31 Mar 19203120
31 Dec 18193120
30 Sep 18203110
30 Jun 18193110
31 Mar 18193110
31 Dec 17194110
30 Sep 17184100
30 Jun 17174100
31 Mar 17163100
31 Dec 16162100
30 Sep 1616290
30 Jun 1616390
31 Mar 1616390
31 Dec 1516390
30 Sep 1515200
30 Jun 1515200
31 Mar 1515200
31 Dec 1414290
30 Sep 1415200
30 Jun 1415200
31 Mar 1415200
31 Dec 1315200

Quality Earnings: PTBS has high quality earnings.

Growing Profit Margin: PTBS's current net profit margins (20.4%) are lower than last year (24.2%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: PTBS's earnings have grown by 16% per year over the past 5 years.

Accelerating Growth: PTBS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: PTBS had negative earnings growth (-12.5%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).


Return on Equity

High ROE: PTBS's Return on Equity (9.8%) is considered low.


Return on Assets


Return on Capital Employed


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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 17:31
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Potomac Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution