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The historical rank and industry rank for Potomac Bancshares's FCF Margin % or its related term are showing as below:
PTBS'
s FCF Margin % Range Over the Past 10 Years
Min: 5.12 Med: 17.93 Max: 49.3
Current: 22.85
During the past 13 years, the highest FCF Margin % of Potomac Bancshares was 49.30%. The lowest was 5.12%. And the median was 17.93%.
PTBS's FCF Margin % is ranked worse than 54.59% of 1502
companies
in the Banks industry
Industry Median: 25.74
vs PTBS: 22.85
Potomac Bancshares FCF Margin % Related Terms
Potomac Bancshares FCF Margin % Historical Data
* Premium members only.
The historical data trend for Potomac Bancshares's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Potomac Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Potomac Bancshares FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Potomac Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Potomac Bancshares's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Potomac Bancshares (PTBS) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Potomac Bancshares and its competitors. Over the past decade, Potomac Bancshares' FCF Margin % has ranged from 5.12 to 49.30. According to the industry distribution chart, Potomac Bancshares ranks #820 out of 1502 companies in the Banks industry, placing it in the top 54.6%.
Is Potomac Bancshares' FCF Margin % too high?
Potomac Bancshares' current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 5.12 to a high of 49.30. Based on the distribution chart, Potomac Bancshares ranks #820 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Potomac Bancshares has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Potomac Bancshares' FCF Margin % compare to PBHC and ADKT?
According to the Banks industry distribution chart, Potomac Bancshares ranks #820 out of 1502 companies for FCF Margin %. This places Potomac Bancshares in the lower half of its industry. The industry median FCF Margin % is 25.74. Historically, Potomac Bancshares' own FCF Margin % has ranged from 5.12 to 49.30 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.74, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Potomac Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 25.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Potomac Bancshares's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Potomac Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Potomac Bancshares (PTBS) is currently considered Modestly Overvalued. The stock's GF Value™ is $20.92, compared to a current price of $24.97 — trading 19.4% above its estimated fair value. The current FCF Margin % is 0.00%. Potomac Bancshares' overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Potomac Bancshares (PTBS), the current FCF Margin % is 0.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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:
FCF Margin %: 0.00%
GF Value™: $20.92 vs. price of $24.97 (19.4% above fair value)
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 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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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