POTOMAC BNCSHS INC (PTBS) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q1 FY2012, filed May 15, 2012. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PTBS SEC filings page.
POTOMAC BNCSHS INC (PTBS) reported $14.3M in revenue over the twelve months to Mar 31, 2012. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
POTOMAC BNCSHS INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
POTOMAC BNCSHS INC passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
POTOMAC BNCSHS INC reported a net loss of $1.0M while generating $4.5M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
POTOMAC BNCSHS INC generated $3.5M in revenue in Q1 2012. This represents an increase of 7.5% from the same quarter a year earlier. Against the prior quarter it is down 7.4%.
POTOMAC BNCSHS INC reported $320K in net income in Q1 2012. This represents an increase of 24.5% from the same quarter a year earlier. Against the prior quarter it is down 11.6%.
Not reported for Q1 2012.
Not reported for Q1 2012.
Cash & Balance Sheet
POTOMAC BNCSHS INC recorded an outflow of $1.2M in free cash flow in Q1 2012, representing a cash shortfall after capex. This represents a decrease of 216.1% from the same quarter a year earlier. Against the prior quarter it is down 195.9%.
POTOMAC BNCSHS INC held $29.1M in cash as of Q1 2012; long-term debt is not reported for that period.
Not reported for Q1 2012.
Margins & Returns
POTOMAC BNCSHS INC's net profit margin was 9.1% in Q1 2012, showing the share of revenue converted to profit. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.
POTOMAC BNCSHS INC's ROE was 1.2% in Q1 2012, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.
Not reported for Q1 2012.
Not reported for Q1 2012.
Capital Allocation
POTOMAC BNCSHS INC invested $21K in capex in Q1 2012, funding long-term assets and infrastructure. This represents an increase of 75.0% from the same quarter a year earlier. Against the prior quarter it is down 41.7%.
Not reported for Q1 2012.
Not reported for Q1 2012.
PTBS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'1210-Q | Q4'1110-Q | Q3'1110-Q | Q2'1110-Q | Q1'1110-Q | Q4'1010-K | Q3'1010-Q | Q2'1010-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.5M+7.5% | $3.8M | $3.6M+2.7% | $3.4M-5.4% | $3.3M | N/A | $3.5M | $3.6M |
| SG&A Expenses | $1.2M-1.3% | $1.2M | $1.2M+6.1% | $1.2M+9.2% | $1.2M | N/A | $1.2M | $1.1M |
| Interest Expense | $459K-50.4% | $557K | $634K-36.2% | $784K-25.9% | $925K | N/A | $993K | $1.1M |
| Income Tax | $129K+207.1% | $120K | -$1.4M-688.4% | $6K-97.2% | $42K | N/A | $241K | $214K |
| Net Income | $320K+24.5% | $362K | -$1.8M-441.3% | $173K-60.5% | $257K | N/A | $528K | $438K |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
PTBS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'1210-Q | Q4'1110-Q | Q3'1110-Q | Q2'1110-Q | Q1'1110-Q | Q4'1010-K | Q3'1010-Q | Q2'1010-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $298.3M | $287.4M-3.4% | $293.7M | $300.8M | N/A | $297.6M | N/A | N/A |
| Cash & Equivalents | $29.1M+21.2% | $13.7M+6.3% | $18.0M+13.8% | $10.8M-28.9% | $24.0M | $12.9M | $15.8M | $15.2M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $272.4M | $261.9M-3.3% | $268.0M | $273.2M | N/A | $270.8M | N/A | N/A |
| Total Equity | $25.9M-4.6% | $25.5M-4.9% | $25.7M-4.7% | $27.5M+3.8% | $27.1M | $26.8M | $27.0M | $26.5M |
| Retained Earnings | $23.0M | $22.6M-4.5% | $22.3M | $24.1M | N/A | $23.7M | N/A | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
PTBS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'1210-Q | Q4'1110-Q | Q3'1110-Q | Q2'1110-Q | Q1'1110-Q | Q4'1010-K | Q3'1010-Q | Q2'1010-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$1.2M-212.7% | $1.3M-38.7% | $1.3M+289.6% | $798K | $1.1M | $2.1M | -$691K | N/A |
| Stock-Based Compensation | $1K-75.0% | N/A | N/A | N/A | $4K | N/A | N/A | N/A |
| Capital Expenditures | $21K+75.0% | $36K+28.6% | $17K-41.4% | $65K | $12K | $28K | $29K | N/A |
| Free Cash Flow | -$1.2M-216.1% | $1.3M-39.7% | $1.3M+279.6% | $733K | $1.0M | $2.1M | -$720K | N/A |
| Investing Cash Flow | $4.0M+193.1% | $1.1M+143.4% | $11.1M+104.7% | -$2.1M | -$4.3M | -$2.6M | $5.4M | N/A |
| Financing Cash Flow | $12.5M-12.7% | -$6.7M-181.1% | -$5.2M-27.9% | -$12.0M | $14.4M | -$2.4M | -$4.1M | N/A |
| Dividends Paid | $0-100.0% | $0 | $34K | -$1K | $34K | $0 | $0 | N/A |
Not reported in any period shown, so not listed: Depreciation & Amortization, Share Buybacks.
PTBS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'1210-Q | Q4'1110-Q | Q3'1110-Q | Q2'1110-Q | Q1'1110-Q | Q4'1010-K | Q3'1010-Q | Q2'1010-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 9.1%+1.2pp | 9.5% | -50.3%-65.5pp | 5.1%-7.1pp | 7.8% | N/A | 15.1% | 12.3% |
| Return on Equity | 1.2%+0.3pp | 1.4% | -7.0%-9.0pp | 0.6%-1.0pp | 0.9% | N/A | 2.0% | 1.7% |
| Return on Assets | 0.1% | 0.1% | -0.6% | 0.1% | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 10.53 | 10.29+0.2x | 10.42 | 9.92 | N/A | 10.11 | N/A | N/A |
| Asset Turnover | 0.01 | 0.01 | 0.01 | 0.01 | N/A | N/A | N/A | N/A |
| FCF Margin | -34.3%-66.0pp | 33.1% | 36.1%+56.7pp | 21.7% | 31.7% | N/A | -20.6% | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| POTOMAC BNCSHS INC PTBS | FY2011 | $14.0M | -$1.0M | -7.2% | $109.8M | — |
| JUNIATA VLY FINCL CORP PA JUVF | FY2025 | $31.1M | $8.0M | 25.7% | $83.9M | — |
Where POTOMAC BNCSHS INC Ranks
Frequently Asked Questions
What is POTOMAC BNCSHS INC's annual revenue?
POTOMAC BNCSHS INC (PTBS) reported $14.0M in total revenue for fiscal year 2011. This represents a 1.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is POTOMAC BNCSHS INC's revenue growing?
POTOMAC BNCSHS INC (PTBS) revenue grew by 1.5% year-over-year, from $13.8M to $14.0M in fiscal year 2011.
Is POTOMAC BNCSHS INC profitable?
No, POTOMAC BNCSHS INC (PTBS) reported a net income of -$1.0M in fiscal year 2011, with a net profit margin of -7.2%.
What is POTOMAC BNCSHS INC's net profit margin?
POTOMAC BNCSHS INC (PTBS) had a net profit margin of -7.2% in fiscal year 2011, representing the share of revenue converted into profit after all expenses.
Does POTOMAC BNCSHS INC pay dividends?
Yes, POTOMAC BNCSHS INC (PTBS) paid $0.02 per share in dividends during fiscal year 2011.
What is POTOMAC BNCSHS INC's return on equity (ROE)?
POTOMAC BNCSHS INC (PTBS) has a return on equity of -4.0% for fiscal year 2011, measuring how efficiently the company generates profit from shareholder equity.
What is POTOMAC BNCSHS INC's free cash flow?
POTOMAC BNCSHS INC (PTBS) generated $4.3M in free cash flow during fiscal year 2011. This represents a -13.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is POTOMAC BNCSHS INC's operating cash flow?
POTOMAC BNCSHS INC (PTBS) generated $4.5M in operating cash flow during fiscal year 2011, representing cash generated from core business activities.
What are POTOMAC BNCSHS INC's total assets?
POTOMAC BNCSHS INC (PTBS) had $287.4M in total assets as of fiscal year 2011, including both current and long-term assets.
What are POTOMAC BNCSHS INC's capital expenditures?
POTOMAC BNCSHS INC (PTBS) invested $130K in capital expenditures during fiscal year 2011, funding long-term assets and infrastructure.
What is POTOMAC BNCSHS INC's debt-to-equity ratio?
POTOMAC BNCSHS INC (PTBS) had a debt-to-equity ratio of 10.29 as of fiscal year 2011, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is POTOMAC BNCSHS INC's return on assets (ROA)?
POTOMAC BNCSHS INC (PTBS) had a return on assets of -0.4% for fiscal year 2011, measuring how efficiently the company uses its assets to generate profit.
What is POTOMAC BNCSHS INC's P/E ratio?
POTOMAC BNCSHS INC (PTBS) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to March 31, 2012). The market capitalization is $109.8M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is POTOMAC BNCSHS INC's price-to-sales ratio?
POTOMAC BNCSHS INC (PTBS) trades at 7.7x sales, its market capitalization divided by revenue of $14.3M revenue, trailing 12 months to March 31, 2012. The market capitalization is $109.8M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is POTOMAC BNCSHS INC's Piotroski F-Score?
POTOMAC BNCSHS INC (PTBS) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are POTOMAC BNCSHS INC's earnings high quality?
POTOMAC BNCSHS INC (PTBS) reported a net loss of $1.0M while generating $4.5M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.