PTBS (Potomac Bancshares) Dividend-Payout-to-FFO

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
73 GF Score
Price $26.49
GF Value $21.68
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Potomac Bancshares Dividend-Payout-to-FFO?

Dividend-Payout-to-FFO only applies to REITs.

PTBS
73GF Score
Potomac Bancshares Inc PTBS
Dividend-Payout-to-FFO is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Potomac Bancshares (PTBS) Overvalued in 2026?

Based on GuruFocus' analysis, Potomac Bancshares stock appears to be overvalued. The current stock price of $26.49 is trading 22.2% above its estimated GF Value™ of $21.68. GuruFocus considers Potomac Bancshares to be Modestly Overvalued.

Key valuation signals for PTBS:

  • Dividend-Payout-to-FFO:
  • GF Value™: $21.68 vs. price of $26.49 (22.2% above fair value)
  • GF Score™: 73/100 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 whose subsidiary, Bank of Charles Town, operates community banking offices in the Eastern Panhandle of West Virginia, the Shenandoah Valley of Virginia, and nearby Maryland communities. The bank serves individuals, small and mid-sized businesses, professionals, and local governments, offering commercial credit lines, equipment loans, construction and commercial real estate financing, residential mortgages, and home equity lines of credit. Deposit products include checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also provides treasury management, online and mobile banking, and wealth and trust services. Revenue comes primarily from net interest income on loans and securities, supplemented by fees on deposits, mortgage banking, and other financial services. The company is headquartered in Charles Town, West Virginia, and its shares trade over the counter.
73GF Score

Get the complete analysis for PTBS

Dividend-Payout-to-FFO is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.49
Price
$21.68
GF Value