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Potomac BancsharesPTBS 72 3-1 Month Momentum % is 16.10% as of Jul. 30, 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. Among 1,578 Banks companies, Potomac Bancshares ranks better than 91.51% on this metric.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-30), Potomac Bancshares's 3-1 Month Momentum % is 16.10%.
The industry rank for Potomac Bancshares's 3-1 Month Momentum % or its related term are showing as below:
PTBS's 3-1 Month Momentum % is ranked better than 91.51% of 1578
companies
in the Banks industry
Industry Median: 2.635
vs PTBS: 16.10
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Potomac Bancshares 3-1 Month Momentum % Related Terms
PTBS vs PBHC, ADKT, ORBN: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Potomac Bancshares's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Potomac Bancshares's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Potomac Bancshares's 3-1 Month Momentum % 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 3-1 Month Momentum % of 16.10% as of Jul. 30, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Potomac Bancshares and its competitors. According to the industry distribution chart, Potomac Bancshares ranks #134 out of 1578 companies in the Banks industry, placing it in the top 8.5%.
Is Potomac Bancshares' 3-1 Month Momentum % too high?
Potomac Bancshares' current 3-1 Month Momentum % is 16.10%. The Banks industry median 3-1 Month Momentum % is 2.64. Potomac Bancshares' value of 16.10% is 511% above this industry median. Based on the distribution chart, Potomac Bancshares ranks #134 out of 1578 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' 3-1 Month Momentum % compare to PBHC and ADKT?
According to the Banks industry distribution chart, Potomac Bancshares ranks #134 out of 1578 companies for 3-1 Month Momentum %. This places Potomac Bancshares in the top 9% of its industry — outperforming the majority of peers. The industry median 3-1 Month Momentum % is 2.64. Potomac Bancshares' value of 16.10% is 511% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.64, based on 1,578 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Potomac Bancshares's current 3-1 Month Momentum % of 16.10% is 511% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Potomac Bancshares and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 2.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Potomac Bancshares's current 3-1 Month Momentum % is 16.10%. 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 3-1 Month Momentum % is 16.10% and 511% above the Banks industry median of 2.64. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Potomac Bancshares (PTBS), the current 3-1 Month Momentum % is 16.10% as of Jul. 30, 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:
3-1 Month Momentum %: 16.10%
GF Value™: $20.92 vs. price of $24.97 (19.4% above fair value)
Industry Position: 511% above the Banks median (#134 of 1578)
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
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