PTBS (Potomac Bancshares) ROC %: % (As of Mar. 2026)

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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.
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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 ROC %?

Potomac Bancshares PTBS 72 ROC % is % 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.

ROC %does not apply to banks.

PTBS
72GF Score
Potomac Bancshares Inc PTBS
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Potomac Bancshares (PTBS) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Potomac Bancshares and its competitors.
Is Potomac Bancshares' ROC % too high?
Potomac Bancshares' current ROC % is %. 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' ROC % compare to PBHC and ADKT?
Potomac Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Potomac Bancshares and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Potomac Bancshares's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Potomac Bancshares (PTBS), the current ROC % is % 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:

  • ROC %: %
  • 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

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

$24.97
Price
$20.92
GF Value