Potomac Bancshares, Inc.

Potomac Bancshares, Inc.

PTBS
Potomac Bancshares, Inc.US flagOther OTC
24.00
USD
+0.35
- -
99.47MMarket Cap
Potomac Bancshares, Inc.
PTBS
(Other OTC)

Recent

price

24.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2008
2009
2010
2011
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.48
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
9.74
Revenue per Share
0.55
-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
2.37
Basic EPS, GAAP
3.07
-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
- -
Free Cash Flow per Basic Share
0.46
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
- -
Dividend per Share
8.45
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
18.73
Book Value per Share
8.17
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
20.42
Tangible Book Value per Share
3
3
3
3
3
3
3
3
4
4
4
4
4
4
4
4
4
Basic Weighted Avg Shares
15
14
14
14
15
15
16
19
19
21
23
27
29
31
32
38
40
Sales/Revenue/Turnover
17.82
-26.12
17.88
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
- -
- -
- -
- -
- -
1
1
1
1
1
1
1
1
- -
Depreciation Expense
2
-2
2
-1
2
3
2
4
3
3
4
8
7
7
7
9
10
Net Income, GAAP
31.42
- -
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
22.39
Effective Tax Rate (%)
12.22
-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
24.3
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
5
4
3
2
10
9
8
12
6
5
10
10
10
16
41
39
39
LT Debt
28
26
27
25
30
32
33
36
50
52
55
61
60
67
73
82
85
Total Equity
6.03
- -
6.09
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.51
-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
13.29
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
78
78
82

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
120
80
94
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.39%
8.61%
12.3%
Free Cash Flow
42.91%
62.63%
109.94%
Net Income, GAAP
18.04%
24.22%
31.15%
Sales/Revenue/Turnover
9.83%
11.01%
18.1%
Total Cash Common Dividend
- -
12.86%
10.8%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8
8
8
9
32
2025
9
9
10
11
38
2026
11
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.4
0.34
0.42
0.48
1.65
2025
0.53
0.5
0.56
0.57
2.16
2026
0.73
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.46
2025
- -
- -
- -
- -
0.51
2026
- -
- -
- -
- -
- -
Business
Potomac Bancshares, Inc. (PTBS) is the bank holding company for Potomac Bank, a community bank providing commercial banking, consumer banking, mortgage lending, trust and wealth management, and investment services to individuals, businesses, nonprofits, and municipalities. Potomac Bank offers deposit products including checking, savings, and money market accounts; commercial loans for real estate, construction, equipment purchases, and lines of credit; consumer loans such as vehicle, home equity, personal, and recreational vehicle financing; mortgage products encompassing secondary market loans, one-time close construction-to-permanent loans, residential construction, and home equity lines of credit; government contractor financing; agricultural loans; small business administration lending; credit and debit cards; and online and mobile banking with access to over 55,000 surcharge-free ATMs through the Allpoint network and additional partnerships. The bank operates nine full-service offices and two loan production offices across the Eastern Panhandle of West Virginia, Washington County in Maryland, and Loudoun and Stafford Counties in Virginia. Founded in 1871 and headquartered in Charles Town, West Virginia, Potomac Bancshares oversees Potomac Bank's operations following the subsidiary's recent rebranding from Bank of Charles Town to Potomac Bank on November 3, 2025, aligning the bank's identity with its holding company and unifying its presence across the Potomac River region. In Q3 2025, the company reported a 32% year-over-year increase in earnings, declared a quarterly cash dividend of $0.13 per share payable November 6, 2025, and continues to emphasize community investment through initiatives like its Pack the 'Pack campaign supporting local food insecurity.

Company News

APIChatGPT
  • Potomac Bank Awards $278,800 in College Scholarships to Local High School Students

  • /C O R R E C T I O N -- Potomac Bancshares, Inc./

  • POTOMAC BANCSHARES HOLDS FESTIVE 2026 ANNUAL SHAREHOLDER MEETING AND REUNION RECEPTION

  • Potomac Bank Welcomes Scott H. Moore as Market President to Lead Expansion into the Winchester, Virginia, Region

  • Potomac Bank Announces W. Scott German as Treasury Management Business Development Officer for Northern Virginia

  • Potomac Bancshares Reports 28% Increase in First Quarter Results

  • Potomac Bank Appoints Brian J. Hester as Vice President, Commercial Relationship Manager

  • POTOMAC BANCSHARES DECLARES 15% INCREASE TO QUARTERLY CASH DIVIDEND

  • Potomac Bank Promotes Lance Nobles, CCIM, to Executive Vice President, Director of Commercial Real Estate Lending

  • Potomac Bancshares (OTCMKTS:PTBS) Shares Pass Above Fifty Day Moving Average – Here’s What Happened

  • Potomac Bancshares to Present at the Banking Virtual Investor Conference March 26, 2026

  • Potomac Bancshares (OTCMKTS:PTBS) vs. Middlefield Banc (NASDAQ:MBCN) Financial Contrast

  • Princeton Bancorp (NASDAQ:BPRN) & Potomac Bancshares (OTCMKTS:PTBS) Financial Comparison

  • Potomac Bancshares (OTCMKTS:PTBS) Shares Cross Above 50 Day Moving Average – Here’s Why

  • Potomac Bank Announces President and CEO Alice Frazier Elected ICBA Chairman

  • Potomac Bancshares, Inc. (OTCMKTS:PTBS) Short Interest Update

  • POTOMAC BANK ANNOUNCES CONTINUED PARTNERSHIP WITH THE MOUNTAIN STATE APPLE HARVEST FESTIVAL (MSAHF)

  • Potomac Bank Welcomes Taylor Keenan as Senior Vice President and Director of Human Resources

  • Eastern Bankshares (NASDAQ:EBC) vs. Potomac Bancshares (OTCMKTS:PTBS) Critical Comparison

  • Potomac Bancshares, Inc. Participates in the Brean Capital CEO Forum