PTBSOTCState Commercial BanksFiscal year ends December 31
POTOMAC BANCSHARES INC
Financials through Q1 FY2012, quarter ended Mar 31, 2012Last filing: 10-Q on May 15, 2012
$26.68+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- –
- P/E (TTM)
- –
- Dividend yield
- 0.07%
Margins
Share of revenue, fiscal years 2008 to 2011
Net margin
-7.2%
Growth rates
Compound annual growth to fiscal 2011
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +1.5% | – | – | – | |
| Free cash flow | -13.9% | – | – | – |
Returns and balance sheet
4 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2008 | FY2008 | FY2011 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | -3.9% | |
| Capex to revenue | – | – | 0.9% |
Cash use needs five years of cash flow figures
Potomac Bancshares does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-7.2%
×Asset turnover0.05×
×Equity multiplier11.20×
=Return on equity, FY2011-3.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2011 | -7.2% | 0.05× | 11.20× | -3.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2011 against fiscal 2010
2of 3 tests passed in fiscal 2011. Some tests lack the figures they need.
- ProfitableNet income above zero-$1.01M
- Cash generatingOperating cash flow above zero$4.45M
- Return on assets improvedROA up on the prior year– → -0.3%
- Earnings backed by cashOperating cash flow above net income$4.45M vs -$1.01M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise– → –
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → 0.05