Potomac Bancshares, Inc (PTBS) Fair Value & Analysis
Financial Services · US · Market cap $97.0M
Fair value as of: Jun 26, 2026
Analysis
Potomac Bancshares, Inc (PTBS) currently trades at $23.45, while our model-based Fair Value estimate is $28.09 — implying the stock looks roughly 19.8% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
About the company
Potomac Bancshares, Inc. operates as the bank holding company for Bank of Charles Town, that provides various banking products and services to individuals, businesses, and local governments in the United States. The company offers checking, savings, money market, and individual retirement accounts; and certificates of deposit (CD). It also provides mortgage, term, residential construction, government contractor, financial, agricultural, and consumer loans; small business administration and residential lending; personal loans, including new and used vehicle, home equity, CD secured, lot, unsecured personal, retail equipment, and unsecured home improvement loans, as well as home equity line of credit; commercial loans for building or office purchases, commercial real estate and construction, and production and administrative equipment purchases; lines of credit; and credit and debit cards. In addition, the company offers financial education; mobile check deposit and card pay; cash man…
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.