Stock fact sheet · data as of
Potomac Bancshares, Inc. (PTBS): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is PTBS undervalued?
Potomac Bancshares, Inc. (PTBS) closed at 26.44 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 38.77, which puts the price 32% below it. 7 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
There is a wide gap between DDM (8.24) and 10 Cap (62.03). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files PTBS under Defensive: a low beta, a dividend and positive earnings.
Nine valuation models for PTBS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 38.32 | +45% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 35.48 | +34% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 58.58 | +122% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 18.61 | -30% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 39.92 | +51% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 62.03 | +135% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 58.15 | +120% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.24 | -69% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 29.65 | +12% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -206.49 | -881% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Potomac Bancshares, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability PTBS scores 5.9/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are moderate - ROIC 7.2%, ROE 10.9%, ROA 0.9% - with debt at 0.50 times equity and negative free cash flow.
The dividend yield is 2.12% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 7.2% |
|---|---|---|---|
| GLS Moat | 5.9 / 10 | ROE | 10.9% |
| Debt / equity | 0.50 | ROA | 0.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Potomac Bancshares, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $110M, with a beta of 0.24 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 32% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 9 / 15 | moat 5.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $110M cap, beta 0.24 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for PTBS in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Potomac Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BCTF Bancorp 34, Inc. | 16.05 | 16.82 | +5% | 33No options | $110M |
| UNIB University Bancorp, Inc. | 21.14 | 60.97 | +65% | 39No options | $109M |
| PBNK Pinnacle Bank | 18.30 | 32.56 | +44% | 39No options | $109M |
| UBOH United Bancshares, Inc. | 40.10 | 61.44 | +35% | 39No options | $109M |
| TYBT Trinity Bank, N.A. | 101.00 | 171.87 | +41% | 39No options | $110M |
| OFED Oconee Federal Financial Corp. | 19.00 | 12.59 | -51% | 26No options | $111M |
| PFBX Peoples Financial Corporation | 23.47 | 12.33 | -90% | 26No options | $108M |
| SFBC Sound Financial Bancorp, Inc. | 43.21 | 39.26 | -10% | 35No options | $111M |
| BYFC Broadway Financial Corp. | 11.55 | 15.48 | +25% | 39No options | $107M |
| BYLB Boyle Bancorp, Inc. | 124.00 | 300.16 | +59% | 39No options | $106M |
| OPHC OptimumBank Holdings, Inc. | 8.95 | 35.83 | +75% | 39No options | $113M |
| PROV Provident Financial Holdings, Inc. | 18.15 | 15.88 | -14% | 39No options | $113M |
⚖ Compare PTBS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PTBS
Is PTBS undervalued right now?
By the GLS models, yes: at 26.44 the stock is 32% below the average fair value of 38.77 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of PTBS and what does it mean?
PTBS has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for PTBS?
38.77 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Potomac Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for PTBS in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does PTBS have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PTBS, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.