Financials Potomac Bancshares, Inc.

Equities

PTBS

US7376431067

Banks

Delayed OTC Markets 13:28:30 2024-05-20 EDT 5-day change 1st Jan Change
14.24 USD -4.43% Intraday chart for Potomac Bancshares, Inc. -1.35% -4.81%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 58.29 58.29 50.89 76.06 67.76 62
Enterprise Value (EV) 1 10.67 37.13 22.07 5.722 82.71 13.33
P/E ratio 15 x 18.1 x 13.4 x 10.1 x 9.26 x 8.55 x
Yield 1.99% 1.99% 2.27% 1.74% 2.2% 2.61%
Capitalization / Revenue 3.03 x 2.74 x 2.3 x 2.73 x 2.31 x 1.95 x
EV / Revenue 0.55 x 1.74 x 1 x 0.21 x 2.82 x 0.42 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.18 x 1.12 x 0.93 x 1.25 x 1.12 x 0.93 x
Nbr of stocks (in thousands) 4,134 4,134 4,134 4,134 4,145 4,145
Reference price 2 14.10 14.10 12.31 18.40 16.35 14.96
Announcement Date 3/15/19 3/31/20 3/15/21 3/14/22 3/15/23 3/15/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 19.23 21.28 22.15 27.9 29.36 31.74
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 4.346 4.114 4.841 9.779 9.39 9.353
Net income 1 3.392 3.213 3.785 7.57 7.311 7.264
Net margin 17.64% 15.1% 17.09% 27.13% 24.9% 22.88%
EPS 2 0.9400 0.7772 0.9156 1.830 1.765 1.750
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.2800 0.2800 0.2800 0.3200 0.3600 0.3900
Announcement Date 3/15/19 3/31/20 3/15/21 3/14/22 3/15/23 3/15/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - 14.9 -
Net Cash position 1 47.6 21.2 28.8 70.3 - 48.7
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 7.95% 6.33% 7.09% 13.1% 12.1% 11.4%
ROA (Net income/ Total Assets) 0.75% 0.64% 0.67% 1.14% 1% 0.92%
Assets 1 455.1 500.2 568.4 666.2 733.7 793.4
Book Value Per Share 2 12.00 12.60 13.30 14.70 14.60 16.10
Cash Flow per Share 2 0.5900 0.7200 0.4800 0.6800 0.8900 0.8500
Capex 1 1.17 0.81 0.17 0.17 0.22 0.11
Capex / Sales 6.11% 3.82% 0.76% 0.61% 0.76% 0.33%
Announcement Date 3/15/19 3/31/20 3/15/21 3/14/22 3/15/23 3/15/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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