Potomac Bancshares, Inc. Financial Ratios — PTBS Stock

Profitability (USD)

	2009 Y	2010 Y	2011 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-8.24	6.77	-3.76	7.47	7.96	6.52	10.47	8.54	7.59	8.47	15.41	13.24	11.96	10.37	12.49
Return on Assets (%)	-0.74	0.6	-0.35	0.71	0.77	0.6	0.94	0.75	0.64	0.67	1.14	1	0.92	0.8	0.98
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-22.05	21.85	3.4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-26.12	17.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-2,605.93	-1,224.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-26.12	17.88	-16.1	21.95	25.88	20.78	31.93	23.15	19.66	21.16	36.74	32.24	30.21	27.1	29.96
Profit Margin (%)	-15.92	12.97	-7.19	14.73	17	13.61	20.56	18.07	15.35	16.54	28.44	25.1	23.46	21.03	23.35
Net Income to Common Margin (%)	-15.92	12.97	-7.19	14.73	17	13.61	20.56	18.07	15.35	16.54	28.44	25.1	23.46	21.03	23.35
Effective Tax Rate (%)	- -	27.49	- -	32.91	34.3	34.49	35.61	21.95	21.9	21.81	22.59	22.14	22.34	22.4	22.04
Dvd Payout Ratio (%)	-40.13	- -	-6.63	26.68	27.52	37.69	23.67	29.63	36.04	30.59	16.92	19.82	21.68	27.93	23.59
Sustainable Growth Rate (%)	-11.55	6.77	-4.01	5.48	5.77	4.06	7.99	6.01	4.86	5.88	12.8	10.62	9.36	7.48	9.54

Credit (USD)

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	2009 Y	2010 Y	2011 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	4	3	2	10	9	8	12	6	5	10	10	10	16	41	39
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	4	3	2	10	9	8	12	6	5	10	10	10	16	41	39
Total Debt/EBITDA	-1.24	0.9	3.19	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	0.91	-2.47	-23.91	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-1.05	1.1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	0.77	-3.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.41	9.21	9.16	9.8	9.48	9.05	8.95	8.52	8.41	7.41	7.35	7.69	7.63	7.78	7.96
Long-Term Debt/Equity (%)	15.08	10.15	5.98	31.67	26.82	22.74	32.21	11.14	9.63	17.76	16.1	16.27	23.77	55.79	47.31
Long-Term Debt/Capital (%)	13.09	9.02	5.47	23.22	20.39	17.85	23.25	11.78	10.34	17.47	15.77	14.47	20.05	37.49	34.17
Long-Term Debt/Total Assets (%)	1.27	0.91	0.53	2.97	2.43	1.97	2.71	1.14	0.97	1.57	1.38	1.3	1.91	4.67	4.13
Total Debt/Equity (%)	15.08	10.15	5.98	31.67	26.82	22.74	32.21	11.14	9.63	17.76	16.1	16.27	23.77	55.79	47.31
Total Debt/Capital (%)	13.09	9.02	5.47	23.22	20.39	17.85	23.25	11.78	10.34	17.47	15.77	14.47	20.05	37.49	34.17
Total Debt/Total Assets (%)	1.27	0.91	0.53	2.97	2.43	1.97	2.71	1.14	0.97	1.57	1.38	1.3	1.91	4.67	4.13
Net Debt to Equity	-11.02	-27.87	-44.79	-45.17	-62.61	-34.59	-92.33	-113.93	-62.61	-79.7	-146.48	-20.44	-102.73	-88.22	-96.61
Net Debt/Capital (%)	-12.36	-37.44	-76.49	-49.53	-90.84	-37.28	-199.64	587.23	-205.14	-363.16	330.14	-22.22	-649.85	-145.56	-230.91
EBITDA	-3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-4	3	- -	- -	- -	- -	-1	-1	-1	- -	- -	- -	- -	-3	-1
Operating Income (Loss)	-4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2009 Y	2010 Y	2011 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.41	9.21	9.16	9.8	9.48	9.05	8.95	8.52	8.41	7.41	7.35	7.69	7.63	7.78	7.96
Long-Term Debt/Equity (%)	15.08	10.15	5.98	31.67	26.82	22.74	32.21	11.14	9.63	17.76	16.1	16.27	23.77	55.79	47.31
Long-Term Debt/Capital (%)	13.09	9.02	5.47	23.22	20.39	17.85	23.25	11.78	10.34	17.47	15.77	14.47	20.05	37.49	34.17
Long-Term Debt/Total Assets (%)	1.27	0.91	0.53	2.97	2.43	1.97	2.71	1.14	0.97	1.57	1.38	1.3	1.91	4.67	4.13
Total Debt/Equity (%)	15.08	10.15	5.98	31.67	26.82	22.74	32.21	11.14	9.63	17.76	16.1	16.27	23.77	55.79	47.31
Total Debt/Capital (%)	13.09	9.02	5.47	23.22	20.39	17.85	23.25	11.78	10.34	17.47	15.77	14.47	20.05	37.49	34.17
Total Debt/Total Assets (%)	1.27	0.91	0.53	2.97	2.43	1.97	2.71	1.14	0.97	1.57	1.38	1.3	1.91	4.67	4.13
CFO/Total Liabilities	0.28	1.89	1.7	1.12	1.25	1.02	0.92	0.88	0.41	0.61	1.65	1.33	2.01	0.88	1.22
CFO/CapEx	0.6	51.71	34.25	14.07	15.87	8.81	6.63	3.25	2.32	20.64	63.04	41.27	146.38	2.65	8.22
Altman's Z-Score	0.15	0.22	0.19	0.22	0.22	0.21	0.23	0.22	0.22	0.18	0.2	0.2	0.19	0.19	0.2

Working Capital (USD)

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	2009 Y	2010 Y	2011 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	13.66	14.47	15.67	35.24	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	26.71	25.22	23.3	10.36	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2009 Y	2010 Y	2011 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	20	16	13	28	29	32	48	51	58	51	76	68	62	70	78
- Cash & Cash Equivalents	7	10	13	14	20	11	33	56	33	44	89	12	69	65	80
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	4	3	2	10	9	8	12	6	5	10	10	10	16	41	39
Enterprise Value	17	9	2	24	18	28	26	- -	31	17	-3	65	9	47	38
Total Capital	29	30	28	41	42	42	50	47	48	56	62	68	79	109	114
Total Debt/Capital (%)	13.09	9.02	5.47	23.22	20.39	17.85	23.25	11.78	10.34	17.47	15.77	14.47	20.05	37.49	34.17
Total Debt / EV	0.23	0.3	0.77	0.4	0.48	0.27	0.44	-62.26	0.16	0.57	-3.09	0.15	1.73	0.88	1.04
EV/Sales	1.19	0.65	0.14	1.61	1.16	1.72	1.41	- -	1.47	0.74	- -	2.24	0.3	1.44	0.98
EV/EBITDA	- -	2.97	4.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	3.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	21.6	1.75	0.45	7.22	4.43	7.81	7.3	- -	16.34	4.89	- -	7.05	0.6	6.61	3.58
EV/Free Cash Flow to Firm	8.1	1.72	0.43	6.74	4.17	7.01	6.34	- -	11.42	4.66	- -	6.89	0.59	4.8	3.19
Diluted Market Cap	20	16	13	28	29	32	48	51	58	51	76	68	62	70	78
Diluted Enterprise Value	17	9	2	24	18	28	26	- -	31	17	-3	65	9	47	38
EV per Share	4.92	2.65	0.59	6.95	5.23	8.37	7.8	- -	7.45	4.1	- -	15.74	2.22	11.26	9.07
TTM Sales	14	14	14	15	15	16	19	19	21	23	27	29	31	32	38
TTM EBITDA	-3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-4	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	5	4	3	4	4	4	4	2	3	11	9	15	7	11
TTM Free Cash Flow to Firm	2	5	5	3	4	4	4	5	3	4	11	9	15	10	12

Multiples (USD)

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	2009 Y	2010 Y	2011 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2009	12/31/2010	12/31/2011	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	9.47	3.15	2.92	7.9	6.86	8	11.59	10.19	21.62	14	6.99	7.15	4.01	7.24	6.64
EV/EBIT	- -	3.63	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	17	9	2	24	18	28	26	- -	31	17	-3	65	9	47	38
Low Price	5.35	4.3	3.51	6.91	7.07	8.27	9.35	13.55	13.75	8.01	11.2	15.75	14.5	14	14.59
EV/Sales	1.19	0.65	0.14	1.61	1.16	1.72	1.41	- -	1.47	0.74	- -	2.24	0.3	1.44	0.98
EV/EBITDA	- -	2.97	4.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	9.16	- -	12.8	11.26	14.4	12.49	14.98	18.14	13.45	10.05	9.26	8.54	10.32	8.74
Price/Earnings Average	-11.01	9.86	-17.31	12.37	10.22	13.25	10.15	15.99	18.09	12.04	8.51	9.98	9.18	9.04	7.9
Price/Earnings High	-15.3	11.98	-20.14	13.11	11.52	14.93	12.57	18.06	18.98	15.56	11	11.33	10.27	10.32	8.94
Price/Earnings Low	-8.11	8.13	-11.78	10.85	9.25	12.47	8.19	14.4	17.69	8.75	6.12	8.92	8.27	8.5	6.75
Price/Book Value	0.76	0.6	0.51	0.88	0.87	0.92	1.25	1.23	1.34	1.11	1.46	1.16	0.98	1.03	1.04
Price/Book Value Average	0.96	0.65	0.66	0.85	0.79	0.85	1.02	1.31	1.34	0.99	1.23	1.25	1.05	0.9	0.94
Price/Book Value High	1.34	0.78	0.77	0.9	0.89	0.95	1.26	1.48	1.41	1.28	1.59	1.42	1.18	1.03	1.07
Price/Book Value Low	0.71	0.53	0.45	0.74	0.72	0.8	0.82	1.18	1.31	0.72	0.89	1.12	0.95	0.85	0.8
Price/Tangible Book Value	0.76	0.61	0.53	0.92	0.91	0.96	1.33	1.03	1.12	0.93	1.25	1.12	0.93	0.96	0.95
Price/Tangible Book Value Average	0.96	0.66	0.69	0.89	0.83	0.89	1.08	1.1	1.12	0.83	1.06	1.21	1	0.84	0.86
Price/Tangible Book Value High	1.34	0.8	0.8	0.94	0.93	1	1.34	1.24	1.17	1.07	1.37	1.37	1.12	0.96	0.97
Price/Tangible Book Value Low	0.71	0.54	0.47	0.78	0.75	0.83	0.87	0.99	1.09	0.6	0.76	1.08	0.9	0.79	0.73
Price/Sales	1.39	1.19	0.95	1.88	1.91	1.96	2.57	2.71	2.79	2.22	2.86	2.33	2	2.17	2.04
Price/Sales Average	1.75	1.28	1.25	1.82	1.74	1.8	2.09	2.89	2.78	1.99	2.42	2.5	2.15	1.9	1.85
Price/Sales High	2.44	1.55	1.45	1.93	1.96	2.03	2.59	3.26	2.91	2.57	3.13	2.84	2.41	2.17	2.09
Price/Sales Low	1.29	1.05	0.85	1.6	1.57	1.7	1.68	2.6	2.72	1.45	1.74	2.24	1.94	1.79	1.58
Price/Cash Flow	25.25	3.21	3.01	8.46	7.29	8.91	13.34	13.32	30.94	14.68	7.1	7.33	4.03	9.98	7.45
Price/Cash Flow Average	31.91	3.46	3.93	8.18	6.62	8.19	10.84	14.22	30.84	13.14	6.01	7.89	4.34	8.74	6.74
Price/Cash Flow High	44.35	4.2	4.57	8.67	7.46	9.23	13.43	16.06	32.37	16.99	7.77	8.96	4.85	9.98	7.62
Price/Cash Flow Low	23.49	2.85	2.67	7.17	5.99	7.71	8.75	12.8	30.17	9.55	4.32	7.06	3.91	8.22	5.76
Price/Free Cash Flow Average	11.97	3.39	3.82	7.64	6.23	7.36	9.42	10.87	21.55	12.54	5.92	7.7	4.31	6.35	6.01
Price/Free Cash Flow High	16.63	4.12	4.44	8.09	7.02	8.29	11.67	12.28	22.62	16.21	7.65	8.75	4.82	7.24	6.79
Price/Free Cash Flow Low	8.81	2.79	2.6	6.7	5.64	6.93	7.6	9.79	21.08	9.11	4.25	6.89	3.88	5.96	5.13
EV/Sales Average	1.55	0.74	0.43	1.54	0.99	1.56	0.93	0.18	1.46	0.51	- -	2.42	0.45	1.17	0.79
EV/Sales High	2.24	1.01	0.64	1.65	1.21	1.79	1.42	0.55	1.6	1.09	0.15	2.76	0.7	1.44	1.03
EV/Sales Low	1.09	0.51	0.04	1.32	0.82	1.46	0.52	- -	1.4	- -	- -	2.15	0.24	1.05	0.52
EV/EBITDA Average	-7.04	3.38	12.73	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-10.14	4.64	18.73	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-4.94	2.35	1.03	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-5.94	4.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-8.56	5.67	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-4.17	2.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	5.75	4.85	3.95	8.15	8.6	9.55	14.25	14.1	14.1	12.31	18.4	16.35	14.96	17	18.88
High Price	10.1	6.34	6	8.35	8.8	9.9	14.35	17	14.75	14.25	20.15	20	18	17	19.31
Enterprise Value Average	22	10	6	23	15	25	17	3	31	12	-15	70	14	38	30
Enterprise Value High	31	14	9	24	18	29	26	10	33	25	4	80	22	47	39
Enterprise Value Low	15	7	- -	19	12	24	10	-2	29	-1	-33	63	7	34	20

Shares Outstanding	3	3	3	3	3	3	3	4	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	4	4	4	4	4	4	4	4
Basic Weighted Avg Shares	3	3	3	3	3	3	3	4	4	4	4	4	4	4	4
Revenue per Share	4.15	4.08	4.14	4.32	4.49	4.87	5.55	5.21	5.06	5.53	6.44	7.03	7.47	7.83	9.25
EBITDA per Share	-0.91	0.89	0.14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-1.08	0.73	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.66	0.53	-0.3	0.64	0.76	0.66	1.14	0.94	0.78	0.92	1.83	1.77	1.75	1.65	2.16
Basic EPS from Cont Ops	-0.66	0.53	-0.3	0.64	0.76	0.66	1.14	0.94	0.78	0.92	1.83	1.77	1.75	1.65	2.16
Diluted EPS, GAAP	-0.66	0.53	-0.3	0.64	0.76	0.66	1.14	0.94	0.78	0.92	1.83	1.77	1.75	1.65	2.16
Diluted EPS from Cont Ops	-0.66	0.53	-0.3	0.64	0.76	0.66	1.14	0.94	0.78	0.92	1.83	1.77	1.75	1.65	2.16
Dividend per Share	0.26	- -	0.02	0.17	0.21	0.25	0.27	0.28	0.28	0.28	0.31	0.35	0.38	0.46	0.51
Cash Flow per Share	0.23	1.51	1.31	0.96	1.18	1.07	1.07	1.06	0.46	0.84	2.59	2.23	3.71	1.7	2.53
Free Cash Flow per Basic Share	-0.15	1.48	1.27	0.89	1.11	0.95	0.91	0.73	0.26	0.8	2.55	2.18	3.68	1.06	2.23
Cash & Equivalents per Share	1.97	3	3.81	4	5.9	3.43	9.9	15.66	7.86	10.57	21.53	2.98	16.57	15.62	19.22
Book Value per Share	7.54	8.08	7.76	9.28	9.87	10.38	11.41	11.46	10.49	11.12	12.64	14.04	15.29	16.48	18.13
Tangible Book Value per Share	7.53	7.9	7.51	8.86	9.43	9.92	10.73	13.74	12.56	13.26	14.7	14.6	16.13	17.71	19.89

Potomac Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)