PTBS Potomac Bancshares, Inc.

Other OTC · Banks - Regional · Financial Services

$26.55

+0.46 (+1.74%)

Potomac Bancshares, Inc. serves as the parent company for Bank of Charles Town, delivering a comprehensive suite of financial solutions to individual consumers and commercial enterprises alike. The bank offers a diverse range of deposit accounts, including checking, savings, and individual retirement accounts, alongside certificates of deposit (CDs). For personal financing needs, they provide loan…

Market Cap: $110.06Mpotomac.bank

Price

No data yet.

Social Signal Score

1 mentions

—

30d

1 mentions

—

60d

3 mentions

—

90d

3 mentions

—

news: 3

Revenue

$15.65M+231.45%

Sep 2016Jun 2026

Company Profile

CEO: Alice Poutasse Frazier
Sector: Financial Services
Industry: Banks - Regional
Employees: 93
Beta: 0.23
Country: US
Piotroski score: 6 / 9 (Middling)
Altman Z-score: 0.29

potomac.bank

Financials

Revenue

$15.65M+231.4%

Net Income

$3.32M+584.5%

EBITDA

$4.33M+492.1%

EPS (diluted)

$0.80+471.4%

Shares Outstanding (diluted)

4.14M+19.6%

Operating Expenses

$4.71M

R&DSG&A

Cash & Debt

$4.88M

Cash & investmentsTotal debt

Dividend per Share

$0.15

Quote

Day Range

$26.55 – $26.55

52-Week Range

$17.62 – $27.60

Volume

$100.00

Market Cap

$110.06M

50-Day Avg

$26.31

200-Day Avg

$22.17

Prev Close

$26.10

Open

$26.55

Valuation & Ratios

P/E Ratio

8.74

EPS

$2.16

P/B Ratio

0.95

P/S Ratio

1.45

Debt/Equity

0.50

Current Ratio

2.12

Dividend Yield

+2.7%

Gross Margin

+71.2%

Returns & Efficiency

Return on Equity

+10.9%

Return on Assets

+0.9%

FCF Yield

+11.8%

EV/EBITDA

9.36

Revenue & Net Income (Annual)

Fiscal Year	Revenue	Net Income	EPS
2025	$53.86M	$8.96M	$2.16
2024	$47.09M	$6.83M	$1.65
2023	$40.53M	$7.26M	$1.75
2022	$31.91M	$7.31M	$1.77
2021	$29.04M	$7.57M	$1.83
2020	$26.38M	$3.79M	$0.92
2019	$24.71M	$3.21M	$0.78
2018	$21.47M	$3.39M	$0.94
2017	$20.65M	$3.81M	$1.14
2016	$18.06M	$2.22M	$0.66
2015	$16.68M	$2.58M	$0.76
2014	$15.94M	$2.16M	$0.64
2013	$15.11M	$2.33M	$0.69
2012	$13.51M	$1.64M	$0.48

Valuation

Project earnings forward and see what return today's price implies.

EPS growth per year (%)Exit P/E multipleYearsTarget annual return

Seeded from PTBS's reported EPS growth of 12.3% a year over 13 years.

EPS in 5 years: $3.86
Implied price: $34.74
Return from $26.55: 5.5% a year

To earn 15.0% a year on these assumptions you'd need to buy at $17.27 — -35.0% below today's price.

How sensitive is that answer?

Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.

growth \ P/E	5	7	9	11	13
2.3%	-14.5%	-8.6%	-3.9%	0.1%	3.5%
7.3%	-10.4%	-4.1%	0.8%	4.9%	8.5%
12.3%	-6.2%	0.3%	5.5%	9.8%	13.6%
17.3%	-2.0%	4.8%	10.2%	14.7%	18.6%
22.3%	2.2%	9.3%	14.9%	19.6%	23.7%

This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.

PTBS Potomac Bancshares, Inc.

Price

Social Signal Score

Revenue

Company Profile

Financials

Revenue

Net Income

EBITDA

EPS (diluted)

Shares Outstanding (diluted)

Operating Expenses

Cash & Debt

Dividend per Share

Quote

Valuation & Ratios

Returns & Efficiency

Revenue & Net Income (Annual)

Valuation

How sensitive is that answer?

Signal Score (90d)

Social Signal Score

Mentions (3)

Insider trading

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