Potomac Bancshares Past Earnings Performance
Past criteria checks 2/6
Potomac Bancshares has been growing earnings at an average annual rate of 22.2%, while the Banks industry saw earnings growing at 10.1% annually. Revenues have been growing at an average rate of 11% per year. Potomac Bancshares's return on equity is 10.9%, and it has net margins of 22.9%.
Key information
22.2%
Earnings growth rate
21.2%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 11.0% |
| Return on equity | 10.9% |
| Net Margin | 22.9% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses BreakdownBeta
How Potomac Bancshares makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 32 | 7 | 19 | 0 |
| 30 Sep 23 | 31 | 8 | 30 | 0 |
| 30 Jun 23 | 31 | 8 | 17 | 0 |
| 31 Mar 23 | 30 | 8 | 17 | 0 |
| 31 Dec 22 | 29 | 7 | 17 | 0 |
| 30 Sep 22 | 29 | 7 | 27 | 0 |
| 30 Jun 22 | 29 | 7 | 15 | 0 |
| 31 Mar 22 | 28 | 7 | 16 | 0 |
| 31 Dec 21 | 28 | 8 | 15 | 0 |
| 30 Sep 21 | 27 | 7 | 26 | 0 |
| 30 Jun 21 | 25 | 6 | 15 | 0 |
| 31 Mar 21 | 24 | 5 | 15 | 0 |
| 31 Dec 20 | 22 | 4 | 15 | 0 |
| 30 Sep 20 | 22 | 4 | 15 | 0 |
| 30 Jun 20 | 21 | 3 | 15 | 0 |
| 31 Mar 20 | 22 | 3 | 15 | 0 |
| 31 Dec 19 | 21 | 3 | 15 | 0 |
| 30 Sep 19 | 21 | 3 | 12 | 0 |
| 30 Jun 19 | 20 | 3 | 12 | 0 |
| 31 Mar 19 | 20 | 3 | 12 | 0 |
| 31 Dec 18 | 19 | 3 | 12 | 0 |
| 30 Sep 18 | 20 | 3 | 11 | 0 |
| 30 Jun 18 | 19 | 3 | 11 | 0 |
| 31 Mar 18 | 19 | 3 | 11 | 0 |
| 31 Dec 17 | 19 | 4 | 11 | 0 |
| 30 Sep 17 | 18 | 4 | 10 | 0 |
| 30 Jun 17 | 17 | 4 | 10 | 0 |
| 31 Mar 17 | 16 | 3 | 10 | 0 |
| 31 Dec 16 | 16 | 2 | 10 | 0 |
| 30 Sep 16 | 16 | 2 | 9 | 0 |
| 30 Jun 16 | 16 | 3 | 9 | 0 |
| 31 Mar 16 | 16 | 3 | 9 | 0 |
| 31 Dec 15 | 16 | 3 | 9 | 0 |
| 30 Sep 15 | 15 | 2 | 0 | 0 |
| 30 Jun 15 | 15 | 2 | 0 | 0 |
| 31 Mar 15 | 15 | 2 | 0 | 0 |
| 31 Dec 14 | 14 | 2 | 9 | 0 |
| 30 Sep 14 | 15 | 2 | 0 | 0 |
| 30 Jun 14 | 15 | 2 | 0 | 0 |
| 31 Mar 14 | 15 | 2 | 0 | 0 |
| 31 Dec 13 | 15 | 2 | 0 | 0 |
| 30 Sep 13 | 15 | 2 | 0 | 0 |
| 30 Jun 13 | 14 | 2 | 0 | 0 |
Quality Earnings: PTBS has high quality earnings.
Growing Profit Margin: PTBS's current net profit margins (22.9%) are lower than last year (24.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PTBS's earnings have grown significantly by 22.2% 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 (-0.6%) over the past year, making it difficult to compare to the Banks industry average (-10.2%).
Return on Equity
High ROE: PTBS's Return on Equity (10.9%) is considered low.