POTOMAC BANCSHARES INC (PTBS) — Moat, Quality & Fair Value

POTOMAC BANCSHARES INC (PTBS) has a quality score of 26/100. It operates in the Financials sector.

Industry: Regional Banks & Thrifts · Financials

Quality score: 26/100. This score combines seven weighted pillars — returns on capital, margin strength, cash generation, financial health, durability, management, and moat & position. See how the quality score works.

The three-tier owner-earnings fair value estimate, price & fair-value chart, financial statements, and complete management evaluation for PTBS are available in the MoatScope app (14-day free trial, no card required). New to the framework? Start with the MoatScope guide.

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MoatScope rates 5,800+ US-listed stocks and plots more than 3,000 of them on a Quality × Valuation grid. Every rated company gets a moat rating (Wide, Narrow, or None) and a 0–100 quality score; more than 3,000 also get a three-tier owner-earnings fair value estimate.

Wide / Narrow / None moat ratings on every analyzed stock, with full reasoning.
Seven-pillar quality score: profitability, capital efficiency, balance sheet, growth consistency, margin stability, cash conversion, capital allocation.
Owner-earnings fair value in three tiers (Conservative, Base, Optimistic).
Quality × Valuation scatter plot — find high-quality businesses trading below fair value at a glance.
SEC EDGAR-driven data — fundamentals come direct from XBRL filings.

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