Potomac Bancshares, Inc. PTBS | OTC
$26.38
$0.00 | 0.00%
Market Cap:
$109.33 M
PE Ratio:
9.66
52-Week Range:
$18.1 - $27.6
10-year Total Return:
+248.9%
Dividend Yield (FWD):
2.27%
Union Bankshares, Inc. UNB | NASDAQ
$22.80
$0.00 | 0.00%
Market Cap:
$111.58 M
PE Ratio:
8.67
52-Week Range:
$21.5 - $26.41
10-year Total Return:
-8.9%
Dividend Yield (FWD):
6.32%
10-year Total Returns with DRIP & Price Chart for PTBS and UNB
1Y
2Y
5Y
10Y
All
1Y
2Y
5Y
10Y
All
10-yr Total Returns PTBS vs UNB
| PTBS | UNB | |
|---|---|---|
| Initial Balance | $10,000 | $10,000 |
| Initial Price | $8.73 | $39.25 |
| Initial Shares | 1145.48 | 254.78 |
| Total Dividends | $3,084 | $4,190 |
| Last Dividend | $0.15 | $0.36 |
| Estimated Divs | $198 / quarter | $144 / quarter |
| Yield-on-Cost | 6.87% | 3.67% |
| End Shares | 1322.61 (+177.13) | 399.78 (+145) |
| Last Shares Price | $26.38 | $22.8 |
| Total End Value | $34,890 | $9,115 |
| Total Return | +248.9% | -8.9% |
| Comparison start date: Nov 14, 2016 | ||
PTBS & UNB Dividend Charts
PTBS Dividend CAGR:1Y: 15.17%2Y: 11.74%5Y: 13.37%10Y: 15.60%
UNB Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.56%10Y: 2.18%
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and the dividend yield curve, earnings, cash flow, debt, margins and the other ratios we track for 1000s of stocks.
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Fundamentals: Revenue, Earnings, Cash Flow, EBITDA & Shares Outstanding:
PTBS Revenue CAGR:1Y: 58.36%2Y: 9.93%5Y: 15.67%10Y: 17.03%
UNB Revenue CAGR:1Y: 63.86%2Y: N/A5Y: N/A10Y: N/A
PTBS EPS CAGR:1Y: 12.50%2Y: 22.47%5Y: 3.13%10Y: 16.23%
UNB EPS CAGR:1Y: 2.67%2Y: N/A5Y: N/A10Y: N/A
PTBS Net Income CAGR:1Y: 11.58%2Y: 21.30%5Y: 3.21%10Y: 18.24%
UNB Net Income CAGR:1Y: 9.66%2Y: N/A5Y: N/A10Y: N/A
PTBS EBITDA CAGR:1Y: 11.39%2Y: 21.51%5Y: 0.00%10Y: 0.00%
UNB EBITDA CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
PTBS Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
UNB Free Cash Flow CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
PTBS Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
UNB Free Cash Flow / Share CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
PTBS Shares Outstanding CAGR:1Y: 0.00%2Y: -0.58%5Y: 0.05%10Y: 1.81%
UNB Shares Outstanding CAGR:1Y: 6.82%2Y: N/A5Y: N/A10Y: N/A
PTBS Stock-Based Comp CAGR:1Y: N/A2Y: N/A5Y: N/A10Y: N/A
UNB Stock-Based Comp CAGR:1Y: -100.00%2Y: N/A5Y: N/A10Y: N/A
PTBS Expenses CAGR:1Y: 716.14%2Y: 207.64%5Y: 50.23%10Y: 0.00%
UNB Expenses CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
PTBS Actual Revenue CAGR:1Y: 58.36%2Y: 9.93%5Y: 15.67%10Y: 17.03%
UNB Actual Revenue CAGR:1Y: 63.86%2Y: N/A5Y: N/A10Y: N/A
PTBS Actual EPS CAGR:1Y: 12.50%2Y: 22.47%5Y: 3.13%10Y: 16.23%
UNB Actual EPS CAGR:1Y: 2.67%2Y: N/A5Y: N/A10Y: N/A
PTBS Actual Net Income CAGR:1Y: 11.58%2Y: 21.30%5Y: 3.21%10Y: 18.24%
UNB Actual Net Income CAGR:1Y: 9.66%2Y: N/A5Y: N/A10Y: N/A
PTBS Actual EBITDA CAGR:1Y: 11.39%2Y: 21.51%5Y: 0.00%10Y: 0.00%
UNB Actual EBITDA CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
Ratios, Profit Margins & Return on Capital:
PTBS Net Profit Margin CAGR:1Y: 0.84%2Y: 10.34%5Y: -10.77%10Y: 1.04%
UNB Net Profit Margin CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
PTBS Gross Profit Margin CAGR:1Y: 4.01%2Y: -14.74%5Y: -6.18%10Y: -3.14%
UNB Gross Profit Margin CAGR:1Y: 0.00%2Y: N/A5Y: N/A10Y: N/A
Combined Charts: Earnings, Cash Flow, Valuation, Cash & Debt:
Dividend History Tables
PTBS Dividends Info:
Estimated Annual Dividend:
$0.6
Forward Yield:
2.27%
Ex-Dividend Date:
2026-11-05
Lifetime Dividends / Share:
$5.62
PTBS Dividend History: Dates, Payments & Yield list
Below is a schedule of all PTBS dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 11/05/2026 | 11/12/2026 | $0.150 | 2.28% | 2.27% | $26.38 |
| 08/06/2026 | 08/10/2026 | $0.150 | 2.26% | 2.26% | $26.50 |
| 05/07/2026 | 05/11/2026 | $0.150 | 2.73% | 2.73% | $21.99 |
| 02/05/2026 | 02/09/2026 | $0.130 | 2.76% | 2.7% | $19.29 |
| 10/31/2025 | 11/03/2025 | $0.130 | 2.85% | 2.85% | $18.25 |
| 07/31/2025 | 08/04/2025 | $0.130 | 2.89% | 2.89% | $17.99 |
| 05/01/2025 | 05/05/2025 | $0.130 | 3.27% | 3.26% | $15.95 |
| 02/06/2025 | 02/10/2025 | $0.120 | 3.1% | 3.17% | $15.15 |
| 11/01/2024 | 11/04/2024 | $0.120 | 3.29% | 3.31% | $14.51 |
| 08/05/2024 | 08/07/2024 | $0.120 | 3.37% | 3.36% | $14.30 |
| 05/02/2024 | 05/06/2024 | $0.120 | 3.39% | 3.31% | $14.50 |
| 02/01/2024 | 02/05/2024 | $0.100 | 2.67% | 2.67% | $15.00 |
| 11/01/2023 | 11/03/2023 | $0.100 | 2.67% | 2.65% | $15.10 |
| 08/03/2023 | 08/07/2023 | $0.100 | 2.22% | 2.3% | $17.40 |
| 05/02/2023 | 05/04/2023 | $0.090 | 2.23% | 2.31% | $15.60 |
| 02/02/2023 | 02/06/2023 | $0.090 | 2.12% | 2.12% | $17.00 |
| 11/01/2022 | 11/09/2022 | $0.090 | 0.53% | 2.12% | $17.00 |
| 08/03/2022 | 08/11/2022 | $0.090 | 0.54% | 2.12% | $17.00 |
| 05/02/2022 | 05/10/2022 | $0.090 | 0.51% | 1.95% | $18.50 |
| 02/02/2022 | 02/10/2022 | $0.080 | 0.45% | 1.79% | $17.90 |
| 11/01/2021 | 11/09/2021 | $0.080 | 0.43% | 0.4% | $20.00 |
| 04/20/2018 | 05/01/2018 | $0.070 | 0.88% | 0.9% | $15.56 |
| 10/24/2017 | 11/01/2017 | $0.070 | 1.09% | 1.09% | $12.80 |
| 10/21/2016 | 10/28/2016 | $0.065 | 3.06% | 3.06% | $8.50 |
| 07/21/2016 | 07/28/2016 | $0.065 | 2.89% | 2.89% | $8.99 |
| 04/21/2016 | 04/28/2016 | $0.060 | 2.74% | 2.74% | $8.75 |
| 01/21/2016 | 01/28/2016 | $0.060 | 2.67% | 2.67% | $8.98 |
| 10/22/2015 | 10/29/2015 | $0.053 | 2.77% | 2.77% | $7.64 |
| 07/22/2015 | 07/29/2015 | $0.053 | 2.9% | 2.9% | $7.30 |
| 04/22/2015 | 04/29/2015 | $0.053 | 2.62% | 2.62% | $8.10 |
| 01/22/2015 | 01/29/2015 | $0.052 | 2.63% | 2.63% | $7.91 |
| 10/23/2014 | 10/30/2014 | $0.043 | 2.1% | 2.1% | $8.20 |
| 07/18/2014 | 07/25/2014 | $0.043 | 1.12% | 2.25% | $7.65 |
| 04/17/2014 | 04/24/2014 | $0.043 | 1.13% | 2.26% | $7.60 |
| 01/23/2014 | 01/30/2014 | $0.043 | 0.59% | 2.34% | $7.35 |
| 10/18/2013 | 10/25/2013 | $0.040 | 0.58% | 2.34% | $6.85 |
| 07/18/2013 | 07/25/2013 | $0.040 | 0.53% | 2.12% | $7.55 |
| 04/11/2013 | 04/18/2013 | $0.040 | 0.68% | 0.68% | $5.90 |
| 06/23/2011 | 06/30/2011 | $0.010 | 0.36% | 0.36% | $5.50 |
| 03/23/2011 | 03/30/2011 | $0.010 | 0.36% | 0.36% | $5.50 |
| 08/12/2009 | 08/19/2009 | $0.030 | 1.78% | 1.78% | $6.75 |
| 05/13/2009 | 05/20/2009 | $0.118 | 5.76% | 5.76% | $8.20 |
| 02/11/2009 | 02/18/2009 | $0.118 | 4.72% | 4.72% | $10.00 |
| 11/12/2008 | 11/19/2008 | $0.118 | 4.72% | 4.72% | $10.00 |
| 08/13/2008 | 08/20/2008 | $0.115 | 4.18% | 4.18% | $11.00 |
| 05/13/2008 | 05/20/2008 | $0.113 | 3.66% | 3.66% | $12.35 |
| 02/13/2008 | 02/20/2008 | $0.110 | 3.52% | 3.52% | $12.50 |
| 11/13/2007 | 11/20/2007 | $0.108 | 2.88% | 2.88% | $15.00 |
| 08/13/2007 | 08/20/2007 | $0.105 | 2.83% | 2.83% | $14.86 |
| 05/11/2007 | 05/18/2007 | $0.103 | 2.62% | 2.62% | $15.75 |
| 02/13/2007 | 02/20/2007 | $0.100 | 2.59% | 2.59% | $15.45 |
| 11/13/2006 | 11/20/2006 | $0.098 | 2.49% | 2.49% | $15.75 |
| 08/11/2006 | 08/18/2006 | $0.095 | 2.45% | 2.45% | $15.50 |
| 05/11/2006 | 05/18/2006 | $0.091 | 2.29% | 2.28% | $15.93 |
| 02/13/2006 | 02/20/2006 | $0.088 | 2.11% | 2.11% | $16.76 |
| 11/10/2005 | 11/17/2005 | $0.086 | 2.04% | 2.04% | $16.91 |
| 08/11/2005 | 08/18/2005 | $0.083 | 2% | 2% | $16.67 |
| 05/11/2005 | 05/18/2005 | $0.081 | 1.95% | 1.95% | $16.67 |
| 02/11/2005 | 02/18/2005 | $0.078 | 2.35% | 2.35% | $13.36 |
| 11/10/2004 | 11/17/2004 | $0.076 | 2.47% | 2.47% | $12.30 |
| 08/11/2004 | 08/18/2004 | $0.074 | 2.42% | 2.42% | $12.13 |
| 05/12/2004 | 05/19/2004 | $0.071 | 2.49% | 2.49% | $11.40 |
| 02/11/2004 | 02/18/2004 | $0.069 | 2.49% | 2.49% | $11.03 |
| 11/12/2003 | 11/19/2003 | $0.068 | 2.4% | 2.4% | $11.27 |
| 08/13/2003 | 08/20/2003 | $0.066 | 2.57% | 2.57% | $10.29 |
| 05/13/2003 | 05/20/2003 | $0.065 | 2.8% | 2.8% | $9.31 |
| 02/26/2003 | 03/05/2003 | $0.021 | 1.09% | 1.09% | $7.76 |
UNB Dividends Info:
Estimated Annual Dividend:
$1.44
Forward Yield:
6.32%
Ex-Dividend Date:
2026-10-30
Lifetime Dividends / Share:
$23.15
UNB Dividend History: Dates, Payments & Yield list
Below is a schedule of all UNB dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 10/30/2026 | 11/02/2026 | $0.360 | 6.31% | 6.38% | $22.57 |
| 07/27/2026 | 07/29/2026 | $0.360 | 6.1% | 6.12% | $23.53 |
| 04/27/2026 | 04/29/2026 | $0.360 | 5.77% | 5.76% | $25.00 |
| 01/30/2026 | 02/02/2026 | $0.360 | 5.79% | 5.79% | $24.86 |
| 10/24/2025 | 10/27/2025 | $0.360 | 5.82% | 6% | $24.01 |
| 07/25/2025 | 07/28/2025 | $0.360 | 5.12% | 5.2% | $27.68 |
| 04/25/2025 | 04/28/2025 | $0.360 | 4.13% | 4.22% | $34.16 |
| 01/24/2025 | 01/27/2025 | $0.360 | 4.66% | 4.71% | $30.59 |
| 10/25/2024 | 10/28/2024 | $0.360 | 5.01% | 4.86% | $29.60 |
| 07/26/2024 | 07/29/2024 | $0.360 | 5.51% | 5.74% | $25.10 |
| 04/25/2024 | 04/29/2024 | $0.360 | 5.12% | 5.12% | $28.12 |
| 01/25/2024 | 01/29/2024 | $0.360 | 4.82% | 4.82% | $29.89 |
| 10/26/2023 | 10/30/2023 | $0.360 | 5.68% | 5.64% | $25.51 |
| 07/27/2023 | 07/31/2023 | $0.360 | 6.07% | 6.27% | $22.97 |
| 04/27/2023 | 05/01/2023 | $0.360 | 6.51% | 6.69% | $21.51 |
| 01/26/2023 | 01/30/2023 | $0.360 | 5.4% | 5.5% | $26.19 |
| 10/27/2022 | 10/31/2022 | $0.350 | 5.39% | 5.68% | $24.66 |
| 07/28/2022 | 08/01/2022 | $0.350 | 5.51% | 5.43% | $25.76 |
| 04/28/2022 | 05/02/2022 | $0.350 | 4.59% | 4.67% | $29.98 |
| 01/27/2022 | 01/31/2022 | $0.350 | 4.46% | 4.48% | $31.25 |
| 10/28/2021 | 11/01/2021 | $0.330 | 4.16% | 4.1% | $32.22 |
| 07/29/2021 | 08/02/2021 | $0.330 | 4.07% | 4.08% | $32.39 |
| 04/29/2021 | 05/03/2021 | $0.330 | 3.91% | 3.85% | $34.26 |
| 01/29/2021 | 02/01/2021 | $0.330 | 4.85% | 4.86% | $27.16 |
| 10/29/2020 | 11/02/2020 | $0.320 | 5.94% | 6.1% | $21.00 |
| 07/24/2020 | 07/27/2020 | $0.320 | 6.67% | 6.98% | $18.35 |
| 04/24/2020 | 04/27/2020 | $0.320 | 5.69% | 5.29% | $24.20 |
| 01/24/2020 | 01/27/2020 | $0.320 | 3.66% | 3.7% | $34.60 |
| 10/25/2019 | 10/28/2019 | $0.310 | 3.81% | 3.8% | $32.65 |
| 07/26/2019 | 07/29/2019 | $0.310 | 3.58% | 3.58% | $34.63 |
| 04/29/2019 | 05/01/2019 | $0.310 | 3.29% | 3.26% | $38.00 |
| 01/25/2019 | 01/28/2019 | $0.310 | 2.63% | 2.65% | $46.75 |
| 10/26/2018 | 10/29/2018 | $0.300 | 2.64% | 2.46% | $48.85 |
| 07/27/2018 | 07/30/2018 | $0.300 | 2.31% | 2.3% | $52.25 |
| 04/27/2018 | 04/30/2018 | $0.300 | 2.32% | 2.35% | $51.00 |
| 01/25/2018 | 01/29/2018 | $0.300 | 2.23% | 2.24% | $53.50 |
| 10/26/2017 | 10/30/2017 | $0.290 | 2.37% | 2.4% | $48.25 |
| 07/26/2017 | 07/28/2017 | $0.290 | 2.55% | 2.7% | $43.00 |
| 04/26/2017 | 04/28/2017 | $0.290 | 2.78% | 2.76% | $42.05 |
| 01/25/2017 | 01/27/2017 | $0.290 | 2.77% | 2.79% | $41.60 |
| 10/26/2016 | 10/28/2016 | $0.280 | 3.42% | 3.3% | $33.90 |
| 07/27/2016 | 07/29/2016 | $0.280 | 3.23% | 3.21% | $34.86 |
| 04/27/2016 | 04/29/2016 | $0.280 | 3.9% | 3.92% | $28.60 |
| 01/27/2016 | 01/29/2016 | $0.270 | 3.95% | 3.98% | $27.14 |
| 10/28/2015 | 10/30/2015 | $0.270 | 4.04% | 4.03% | $26.80 |
| 07/23/2015 | 07/27/2015 | $0.270 | 4.03% | 4.1% | $26.35 |
| 04/23/2015 | 04/27/2015 | $0.270 | 3.85% | 3.93% | $27.50 |
| 01/28/2015 | 01/30/2015 | $0.270 | 4.28% | 4.32% | $24.99 |
| 10/22/2014 | 10/24/2014 | $0.260 | 4.29% | 4.4% | $23.65 |
| 07/23/2014 | 07/25/2014 | $0.260 | 4.13% | 4.13% | $25.20 |
| 04/23/2014 | 04/25/2014 | $0.260 | 2.18% | 4.29% | $24.24 |
| 01/22/2014 | 01/24/2014 | $0.260 | 2.1% | 4.37% | $23.80 |
| 10/23/2013 | 10/25/2013 | $0.260 | 2.37% | 4.75% | $21.90 |
| 07/24/2013 | 07/26/2013 | $0.250 | 2.29% | 4.68% | $21.35 |
| 04/24/2013 | 04/26/2013 | $0.250 | 2.38% | 4.72% | $21.20 |
| 01/23/2013 | 01/25/2013 | $0.250 | 2.43% | 2.56% | $19.52 |
| 07/24/2008 | 07/28/2008 | $0.280 | 5.89% | 5.82% | $19.25 |
| 04/24/2008 | 04/28/2008 | $0.280 | 5.89% | 5.89% | $19.00 |
| 01/23/2008 | 01/25/2008 | $0.280 | 5.53% | 5.69% | $19.67 |
| 10/18/2007 | 10/22/2007 | $0.280 | 5.45% | 5.4% | $20.75 |
| 07/19/2007 | 07/23/2007 | $0.280 | 5.17% | 5.2% | $21.55 |
| 04/19/2007 | 04/23/2007 | $0.280 | 5.11% | 5.21% | $21.51 |
| 01/18/2007 | 01/22/2007 | $0.280 | 5.15% | 5.15% | $21.75 |
| 10/20/2006 | 10/23/2006 | $0.280 | 5.36% | 5.4% | $20.75 |
| 07/20/2006 | 07/24/2006 | $0.260 | 0% | 0% | $0.00 |
| 04/20/2006 | 04/24/2006 | $0.260 | 0% | 0% | $0.00 |
| 01/19/2006 | 01/23/2006 | $0.260 | 0% | 0% | $0.00 |
| 10/20/2005 | 10/24/2005 | $0.260 | 0% | 0% | $0.00 |
| 07/21/2005 | 07/25/2005 | $0.240 | 0% | 0% | $0.00 |
| 04/21/2005 | 04/25/2005 | $0.240 | 0% | 0% | $0.00 |
| 01/20/2005 | 01/24/2005 | $0.640 | 0% | 0% | $0.00 |
| 10/20/2004 | 10/22/2004 | $0.240 | 0% | 0% | $0.00 |
| 07/21/2004 | 07/23/2004 | $0.220 | 0% | 0% | $0.00 |
| 07/11/2001 | 07/13/2001 | $0.173 | 0% | 0% | $0.00 |
| 04/10/2001 | 04/12/2001 | $0.173 | 0% | 0% | $0.00 |
| 01/10/2001 | 01/12/2001 | $0.173 | 0% | 0% | $0.00 |
| 10/11/2000 | 10/13/2000 | $0.173 | 0% | 0% | $0.00 |
Projected Future Values & Dividends for PTBS & UNB
Based on past 10 years performance, PTBS had share price CAGR of +11.97%, and dividend CAGR of +17.48%.
During same period UNB had share price CAGR of -3.73%, and dividend CAGR of +2.24%.
Using these CAGR metrics, we can estimate that your initial $10,000 investment from 10 years ago, with dividends being reinvested (DRIP), is modelled to grow and collect dividends as follows:
Projection uses PTBS applied at 10.00% price / 10.00% dividend.
| PTBS | UNB | |
|---|---|---|
| Start Value | $10,000 | $10,000 |
| Start Share Price | $26.38 | $22.80 |
| Start Shares | 379.08 | 438.60 |
| After 10 years: | PTBS | UNB |
| Final Share Count | 475.58 | 820.75 |
| Dividends Payment | $0.39 | $0.25 |
| Annual Dividends | $740 | $808 |
| Share Price | $68.42 | $15.59 |
| Total Dividends | $4,129 | $7,243 |
| Final Value | $32,541 | $12,793 |
Estimated Future Returns - PTBS
Estimated Future Returns - UNB
Estimate Dividend Snowball and total future returns for PTBS and UNB with our dividend (DRIP) calculator.
Above numbers are merely projections based on Dividend and Price CAGR for each stock, and should only be considered as 'potential future returns'! These numbers assume DRIP (reinvesting dividends).
We cannot guarantee that your actual returns will meet these metrics.
