PTBS (Potomac Bancshares) 1-Year ROIIC %

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
72 GF Score
Price $24.97
GF Value $20.92
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Potomac Bancshares 1-Year ROIIC %?

1-Year ROIIC % does not apply to banks.

PTBS
72GF Score
Potomac Bancshares Inc PTBS
1-Year ROIIC % 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 $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:

  • 1-Year ROIIC %:
  • 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

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

$24.97
Price
$20.92
GF Value