Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 54M | 47M | 41M | 32M | 29M |
| Gross Profit | 38M | 32M | 31M | 29M | 27M |
| Operating Income | 12M | 9M | 9M | 9M | 10M |
| EBITDA | 12M | 10M | 10M | 10M | 11M |
| Net Income | 9M | 7M | 7M | 7M | 8M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$23.41
+0.00% today
1Y Change
+38.93%
Window
Jun 23, 2025 → Jun 18, 2026
Coverage: 249 bars · Jun 23, 2025 → Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Potomac Bancshares, Inc. (PTBS) is a Financial Services stock with a market cap of $90.00M and listed on OTC. The stock last traded around $23.41 and up 38.9% across the available one-year price window (Jun 23, 2025 → Jun 18, 2026). Baseline metrics include revenue growth of +14.4%, EPS growth of +30.9%, a dividend yield of 2.5%. What stands out right now is revenue +14.4%, EPS +30.9%, free cash flow +109.9% with operating margin 22.5% and ROIC 1.0%. The dividend is present but secondary, with a yield around 2.5%. Valuation is more restrained than many high-expectation growth names at P/E 8.9 and price/sales 1.5. Stock Foundry combines PTBS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PTBS
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PTBS Max Drawdown
-8.89%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PTBS and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$29.0M
-9.0% YoY
FY Net Income
$7.6M
+3.5% YoY
Free Cash Flow
$3.3M
-68.7% YoY
Revenue Growth
+14.4%
EPS Growth
+30.9%
Gross Margin
71.8%
Net Margin
17.4%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 54M | 47M | 41M | 32M | 29M |
| Gross Profit | 38M | 32M | 31M | 29M | 27M |
| Operating Income | 12M | 9M | 9M | 9M | 10M |
| EBITDA | 12M | 10M | 10M | 10M | 11M |
| Net Income | 9M | 7M | 7M | 7M | 8M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 0 | 65M | 4M | 12M | 89M |
| Total Assets | 944M | 877M | 831M | 756M | 711M |
| Total Liabilities | 862M | 804M | 764M | 696M | 651M |
| Shareholder Equity | 82M | 73M | 67M | 60M | 61M |
| Total Debt | 41M | 41M | 20M | 27M | 19M |
| Net Debt | 41M | -24M | 17M | 15M | -70M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
3M
-67.6% YoY
Capital Expenditures
168K
+1.2% YoY
Free Cash Flow
3M
-68.7% YoY
Key ratios
Gross Margin
71.8%
Operating Margin
22.5%
Net Margin
17.4%
ROE
12.1%
Debt / Equity
0.46x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.