Potomac Bancshares (PTBS) Stock Price, News & Analysis

Company Overview

Potomac Bancshares, Inc. is a financial holding company that provides commercial and retail banking services through its principal subsidiary, Bank of Charles Town. Headquartered in Charles Town, West Virginia, the company offers a full suite of deposit products, lending solutions and treasury management services designed to meet the needs of individuals, small businesses and commercial clients. As an OTC-traded company (OTCMKTS: PTBS), Potomac Bancshares focuses on maintaining strong local relationships while leveraging digital channels to enhance customer convenience.

Core products and services include checking and savings accounts, money market and certificate of deposit offerings, as well as consumer and business loans. The company’s lending portfolio spans residential mortgages, construction financing, commercial real estate and equipment loans. Additional services such as online and mobile banking, remote deposit capture and merchant services support the day-to-day financial needs of its clients.

Founded in the late 19th century, Potomac Bancshares has grown from a single community bank into a regional institution serving communities across the Eastern Panhandle of West Virginia and neighboring markets in Maryland and Virginia. Through a combination of organic growth and selective branch acquisitions, the company has established a network of full-service branches, ATMs and digital platforms that reflect its commitment to local markets.

Governed by an experienced board of directors and led by a seasoned executive team with deep ties to the region, Potomac Bancshares emphasizes prudent risk management, personalized service and community engagement. The leadership group leverages decades of banking experience to support strategic initiatives aimed at expanding market share, enhancing product offerings and driving sustainable growth.

Key Stats

• Today's Range: $17.11 to $17.12
• 50-Day Range: $15.60 to $17.69
• 52-Week Range: $14.00 to $17.69
• Volume: 2,974 shs
• Average Volume: 638 shs
• Market Capitalization: $70.88 million
• P/E Ratio: 9.67
• Dividend Yield: 3.04%
• Price Target: N/A
• Consensus Rating: N/A

Potomac Bancshares Stock Analysis - MarketRank™

Potomac Bancshares scored higher than 23% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Potomac Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Potomac Bancshares is 9.67, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of Potomac Bancshares is 9.67, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.01% of the float of Potomac Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Potomac Bancshares has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Potomac Bancshares has recently increased by 33.33%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Potomac Bancshares pays a meaningful dividend of 2.97%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Potomac Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Potomac Bancshares is 29.38%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.01% of the float of Potomac Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Potomac Bancshares has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Potomac Bancshares has recently increased by 33.33%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.58

News Sentiment

Potomac Bancshares has a news sentiment score of 0.58. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.74 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Potomac Bancshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Potomac Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 4.38% of the stock of Potomac Bancshares is held by insiders.

Percentage Held by Institutions

Only 5.26% of the stock of Potomac Bancshares is held by institutions.

PTBS Stock Analysis - Frequently Asked Questions

How have PTBS shares performed this year?

Potomac Bancshares' stock was trading at $17.00 at the beginning of 2025. Since then, PTBS shares have increased by 0.7% and is now trading at $17.12.

How were Potomac Bancshares' earnings last quarter?

Potomac Bancshares, Inc. (OTCMKTS:PTBS) posted its quarterly earnings data on Monday, April, 28th. The company reported $0.53 EPS for the quarter. The company earned $9.18 million during the quarter.

How do I buy shares of Potomac Bancshares?

Shares of PTBS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 4/28/2025
• Record date for 5/8 Dividend: 5/01/2025
• Dividend Payable: 5/08/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: OTCMKTS:PTBS
• Previous Symbol: NASDAQ:PTBS
• CIK: 925173
• Web: www.mybct.com
• Phone: (304) 725-8431
• Fax: N/A
• Employees: 83
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 9.67
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $48.09 million
• Price / Sales: 1.47
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 4,140,000
• Free Float: 3,963,000
• Market Cap: $70.88 million
• Optionable: Not Optionable
• Beta: 0.22