PTBS (Potomac Bancshares) Long-Term Debt: $0.00 Mil (As of Mar. 2026)

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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 Long-Term Debt?

Potomac Bancshares PTBS +4.04% 72 Long-Term Debt is $0.00 Mil as of Mar. 2026. GuruFocus rates PTBS with a GF Score™ of 72/100 and a GF Value™ of $20.92 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Potomac Bancshares's Long-Term Debt for the quarter that ended in Mar. 2026 was $0.00 Mil.

Potomac Bancshares  (OTCPK:PTBS) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Potomac Bancshares Long-Term Debt Related Terms

Potomac Bancshares Long-Term Debt Historical Data

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The historical data trend for Potomac Bancshares's Long-Term Debt 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.

Potomac Bancshares Long-Term Debt Chart

Potomac Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
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Potomac Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
PTBS
72GF Score
Potomac Bancshares Inc PTBS
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $0.00 Mil mean?
Potomac Bancshares (PTBS) has a Long-Term Debt of $0.00 Mil as of Mar. 2026.
Is Potomac Bancshares' Long-Term Debt too high?
Potomac Bancshares' current Long-Term Debt is $0.00 Mil. 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' Long-Term Debt compare to PBHC and ADKT?
Potomac Bancshares' Long-Term Debt of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Potomac Bancshares's current Long-Term Debt is $0.00 Mil. 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 Long-Term Debt is $0.00 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Potomac Bancshares (PTBS), the current Long-Term Debt is $0.00 Mil 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:

  • Long-Term Debt: $0.00 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

Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.97
Price
$20.92
GF Value