PTBS (Potomac Bancshares) Construction Loans (USD Mil)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PTBS Potomac Bancshares Inc PTBS
72 GF Score
Price $24.97
GF Value $20.92
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Potomac Bancshares Construction Loans (USD Mil)?

Construction Loans (USD Mil) only apply to companies which has operating data in Banks industry.

PTBS
72GF Score
Potomac Bancshares Inc PTBS
Construction Loans (USD Mil) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Potomac Bancshares (PTBS) Overvalued in 2026?

Based on GuruFocus' analysis, Potomac Bancshares stock appears to be overvalued. The current stock price of $24.97 is trading 19.4% above its estimated GF Value™ of $20.92. GuruFocus considers Potomac Bancshares to be Modestly Overvalued.

Key valuation signals for PTBS:

  • Construction Loans (USD Mil):
  • GF Value™: $20.92 vs. price of $24.97 (19.4% above fair value)
  • GF Score™: 72/100 with 5 warning signs

No single metric tells the full story. See the PTBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Potomac Bancshares Business Description

Address 111 East Washington Street, P.O. Box 906, Charles Town, WV, USA, 25414-0906
Potomac Bancshares Inc is a bank holding company. The bank engages in the general banking business and provides individuals, businesses, and local governments with a range of banking services. The services provided by the bank include commercial credit lines, equipment loans, and construction financing; real estate loans, secondary market, and adjustable-rate mortgages; retail loan products including home equity lines of credit; checking and savings accounts for businesses and individuals; and certificates of deposit, and individual retirement accounts.
72GF Score

Get the complete analysis for PTBS

Construction Loans (USD Mil) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.97
Price
$20.92
GF Value