Potomac Bancshares logo

Potomac Bancshares(OTC) PTBS

Market Cap$108.88MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+749%
5 Year+70%
1 Year+43%
1 Month-1%
$26.27
-1.06%
-0.28Today
Potomac Bancshares last closing stock price
MetricPriceDate
Last closeUSD 26.272026-10-01
Potomac Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.4%USD 27.482026-09-24
1 month-0.57%USD 26.422026-08-31
3 month+12.42%USD 23.372026-07-02
Year to date+41.88%USD 18.522025-12-31
1 year+43.12%USD 18.352025-10-01
3 year+74.92%USD 15.022023-09-29
5 year+70.35%USD 15.422021-10-01
Since inception+749.4%USD 3.091998-04-29

Potomac Bancshares Financials at a Glance

Market Cap

$108.88MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$59.07M

Net Income (TTM)

$11.06M

EPS (TTM)

$2.67

P/E Ratio

9.85

Dividend

$0.56

Beta (Volatility)

0.15 (Low)

Price

$26.27

Volume

1,843

Open

$26.53

Previous Close

$26.27

Daily Range

$26.27 - $26.88

52-Week Range

$17.62 - $27.60

Estimated Earnings Date

Apr 27, 2026

PTBS News

No articles available.

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About Potomac Bancshares

Potomac Bancshares, Inc. operates as the parent company for Bank of Charles Town, providing a wide range of financial services to both individual and commercial clients. Established in 1871 and headquartered in Charles Town, West Virginia, the company has a strong presence in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia.

Products and Services
  • Diverse deposit accounts including checking, savings, and CDs
  • Comprehensive loan offerings for personal and commercial needs
  • Financial advisory services including wealth management and retirement planning
Growth Outlook
  • Recent quarterly revenue increased to $15.65 million, reflecting strong demand
  • Trailing twelve months (TTM) net income reached $13.32 million, indicating profitability
  • Consistent growth in total assets, now at $981.4 million, supports expansion potential
Financial Highlights
  • Net income for Q2 2026 was $3.32 million, up from $3.04 million in Q1 2026
  • TTM return on equity stands at 13.23%, showcasing effective capital utilization
  • Dividend yield of 2.04% offers attractive returns to shareholders
Potomac Bancshares, Inc. has demonstrated resilience and growth in a competitive banking environment. The company's diverse product offerings cater to a wide range of customer needs, from personal banking to commercial financing. Recent financial performance highlights a solid upward trend in revenue and net income, reflecting effective management and operational efficiency. With a strong asset base and a commitment to customer service, Potomac Bancshares, Inc. is well-positioned for future growth and stability in the regional banking sector.
AI Generated • Sep 25, 2026

Industry

Banks

Sector

Financials

CEO

Alice P. Frazier

Website

potomac.bank

Headquarters

Charles Town, WV 25414-0906, US

PTBS Financials

Key Financial Metrics (TTM)

Gross Margin

72.47%

Operating Margin

24.22%

Net Income Margin

18.72%

Return on Equity

13.23%

Return on Capital

9.29%

Return on Assets

1.13%

Earnings Yield

10.15%

Dividend Yield

2.13%

Payout Ratio

0.00%

Stock Overview

Market Cap

$108.88MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

4.14M

Volume

1.84K

Avg. Volume

1.29K

Financials (TTM)

Gross Profit

$42.81M

Operating Income

$14.31M

EBITDA

$14.31M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$4.88M

Total Debt

$39.97M

Potomac Bancshares Performance Analysis

Potomac Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 32,769,0009.8%
20232023-12-31USD 41,533,00026.7%
20242024-12-31USD 48,087,00015.8%
20252025-12-31USD 54,914,00014.2%
Potomac Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.6%
Q42025-12-314.7%
Q12026-03-313.0%
Q22026-06-304.5%
Potomac Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.77-3.6%
20232023-12-31USD 1.75-0.7%
20242024-12-31USD 1.65-6.0%
20252025-12-31USD 2.1631.2%
Potomac Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3012.0%
Q42025-12-311.8%
Q12026-03-3128.1%
Q22026-06-309.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$15.65M

+21.2%

Gross Profit

$11.51M

+26.0%

Gross Margin

73.54%

N/A

Market Cap

$108.88MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.17M

N/A

Employees

93

N/A

Net Income

$3.32M

+60.1%

EBITDA

$4.33M

+62.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$4.88M

-93.2%

Total Debt

$39.97M

-4.3%

Accounts Receivable

$2.80M

+14.8%

Inventory

$0.00

N/A

Long Term Debt

$37.00M

-11.4%

Short Term Debt

$2.97M

N/A

Return on Assets

1.13%

N/A

Return on Invested Capital

1.46%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About PTBS

What is the current price of Potomac Bancshares?

Potomac Bancshares is trading at $26.27 per share.

What is the 52-week range for Potomac Bancshares?

Over the past 52 weeks, Potomac Bancshares has traded between $17.62 and $27.60.

How much debt does Potomac Bancshares have?

As of the most recent reporting period, Potomac Bancshares reported total debt of $39.97M.

How much cash does Potomac Bancshares have on hand?

Potomac Bancshares does not have cash on hand data available.

What is Potomac Bancshares’s dividend yield?

Potomac Bancshares currently has a dividend yield of 2.13%.

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