Potomac Bancshares (PTBS) Stock Price, News & Analysis

Company Overview

Potomac Bancshares, Inc. operates as the bank holding company for Bank of Charles Town that provides various banking products and services to individuals and businesses. The company offers checking, savings, and individual retirement accounts; and certificates of deposit (CD). It also provides personal loans, including new and used vehicle, home equity, unsecured home improvement and personal, retail equipment, and lot loans, as well as loans secured by CD, and home equity lines of credit; commercial loans for building or office purchases, commercial real estate and construction, and production and administrative equipment purchases; lines of credit; mortgage, commercial, term, residential and commercial construction, commercial real estate, and agricultural loans; and credit and debit cards. In addition, the company offers Card Pay, cash management, merchant, financial planning, trust and estate, investment management, wealth management, full-service brokerage, retirement and insurance planning and products, asset allocation and management, and college planning services, as well as telephone, mobile, and online banking services. Potomac Bancshares, Inc. was founded in 1871 and is based in Charles Town, West Virginia.

Key Stats

• Today's Range: $15.55 to $16.15
• 50-Day Range: $15.15 to $17.00
• 52-Week Range: $14.00 to $17.00
• Volume: 2,062 shs
• Average Volume: 1,576 shs
• Market Capitalization: $66.53 million
• P/E Ratio: 9.79
• Dividend Yield: 2.99%
• Price Target: N/A
• Consensus Rating: N/A

Potomac Bancshares Stock Analysis - MarketRank™

Potomac Bancshares scored higher than 21% 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 9.79, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 22.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of Potomac Bancshares is 9.79, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.58.

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 0.4, 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 200.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Potomac Bancshares pays a meaningful dividend of 3.09%, 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 29.27%. 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 0.4, 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 200.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.8 / 5
• News Sentiment: 0.29

News Sentiment

Potomac Bancshares has a news sentiment score of 0.29. 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 1.01 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 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 the year. Since then, PTBS shares have decreased by 5.6% and is now trading at $16.05.
View the best growth stocks for 2025 here.

How were Potomac Bancshares' earnings last quarter?

Potomac Bancshares, Inc. (OTCMKTS:PTBS) issued its earnings results on Friday, January, 31st. The company reported $0.55 earnings per share for 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: 1/31/2025
• Record date for 2/13 Dividend: 2/06/2025
• Ex-Dividend for 2/13 Dividend: 2/06/2025
• Dividend Payable: 2/13/2025
• Today: 4/01/2025
• Next Earnings (Estimated): 5/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: N/A
• 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 (Most Recent Fiscal Year): N/A
• Trailing P/E Ratio: 9.79
• 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: 1.38
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 4,145,000
• Free Float: 3,963,000
• Market Cap: $66.53 million
• Optionable: Not Optionable
• Beta: 0.20