Potomac Bancshares, Inc. · PTBS · OTC
Dividend report · updated Nov 12, 2026
$26.38 +0.08% on the day, +$0.02
PTBS stock page: price, charts & signals →
UnlockDividend Safety Rating: paid plans onlyDividend Safety Rating: paid plans only Is PTBS’s dividend Very Safe or High Risk? 7 checks scored. Payout ratio, raise streak, recession record and 4 more. Show the rating
Yearly payout / yield
$0.60·2.27%
$0.15 quarterly x 4 ⓘ
Next payment
~$0.15/qtr
pays ~Feb 8, 2027 (est.) ⓘ
Next ex-date
Feb 4, 2027est.
own by Feb 3, 2027 ⓘ
Years without a cut
3+ yrs
3 yrs of raises ⓘ
Paying since
2003
67 payments on file
Yield vs history ⓘ
54
Near its usual yield
PTBS share price & total return
Daily closing price, adjusted for stock splits.
PTBS stock page »All dividend lists »Build a portfolio around PTBS »
DSRSimilar stocksHistoryPayoutsFAQ
Last 20 payments
PTBS Dividend Growth (CAGR)
1Y +15.2%3Y +14.4%5Y +13.4%10Y +15.6%
Per-share amount, by the date it paid (~ = about, from its usual pay gap). The enlarge button shows all 67 payments since 2003.
Annual dividends and growth
Total paid per share in each calendar year.
Next 5 years if the pace holds
If the recent pace holds — one-off jumps left out. Not a forecast. Pace: +12.5% a year, its typical raise over the last 5 years. From 2029 it slows by a quarter each year. Today's $0.60 a year would be $0.94 by 2031 - 3.55% on today's $26.38 price.

How Many PTBS Shares for $500 or $1,000 a Month?

At $0.60 a share a year, $500 a month takes about 10,000 PTBS shares, about $263,800 at the Nov 12, 2026 close of $26.38. $1,000 a month takes about 20,000 shares, about $527,600. Before taxes, and only while the rate holds.

Potomac Bancshares (PTBS) pays $0.15 a share quarterly, $0.60 a year, a 2.27% run-rate yield at the Nov 12, 2026 close of $26.38. It has paid since 2003 and raised its annual dividend 3 years in a row.

At today’s rate of $0.15 quarterly and the last close of $26.38, this is what PTBS pays before taxes, if the rate stays where it is:

You holdEach paymentPer month (avg)Per year
1 share$0.15$0.05$0.60
100 shares$15.00$5.00$60.00
$10,000 invested (379.1 shares)$56.86$18.95$227.45
10,000 shares ($500/mo)$1,500.00$500.00$6,000.00
20,000 shares ($1,000/mo)$3,000.00$1,000.00$12,000.00

With DRIP on, every payment buys more shares instead of landing as cash. 100 PTBS shares reinvest into 0.57 new shares each payment, about 2.3 new shares a year at today’s price and rate, and each new share collects the next payment too. To DRIP one whole new share every payment you need about 176 shares. Raises speed that up; a falling share price buys more shares per payment, but each is worth less. See the snowball over 10 to 30 years with PTBS’s own history in the PTBS DRIP calculator.

UnlockDividend Safety Rating: paid plans only
Dividend Safety Rating Not financial advice
See PTBS’s rating and its 7 factors.
See the rating & factors »
An algorithmic rating built from reported data, not a recommendation.
  • Coverage (EPS): are profits enough to pay the dividend rating
  • Coverage (FCF): is spare cash enough to pay the dividend rating
  • Dividend vs cash flow + debt: is the dividend paid with borrowed money report
  • Debt load: how much the balance sheet leans on borrowing rating
  • Debt interest coverage: can profits easily pay the interest bill rating
  • Liquidity: is there cash for debts due this year rating
  • Earnings direction: are sales and profits growing or shrinking report
  • Raise streak: how many years in a row it raised see details
  • Years without a cut: how long since the last dividend cut see details
  • Raise vs trend: are recent raises keeping their usual pace history
  • Yield vs history: is today’s yield high or low versus its past rating
  • Recession record: what the dividend did in past crashes history

PTBS Dividend Yield Today vs Its 5-Year Range

54/100Near its usual yieldvs its 10-yr history
  • PTBS yields 2.27% today, at the Nov 12, 2026 close of $26.38.
  • Its own 10-year median is 2.26%, so today’s yield is near its usual level.
Last 5 years: lowest to highest month-end yield
1.69% low3.37% high
Blue mark = today, grey = its 10-year median. A higher yield than usual means a lower price against the payout.

Where today ranks in its own history is in the paid report

How it works. Each month-end over the last 10 years gives one yield: the regular payment then, times payments a year, over that day’s close. Specials are left out. 50 means today’s yield sits right at its usual level. A lower score means the yield is below its usual level, so the price is high against the payout. A higher score means the yield is above its usual level. On price alone a payer stays between 15 and 85. Steady raisers get a few points back. It reads the past, not the future.

When Is PTBS’s Next Dividend? Ex-Date and Pay Date After November 2026

PTBS has not declared its next dividend yet. By its usual rhythm of about 91 days between ex-dates, the next ex-date falls around Feb 4, 2027, with the cash around Feb 8, 2027. An estimate, not a promise: only the declaration makes it final. The latest one, $0.15 a share, went ex on Nov 5, 2026 and paid Nov 12, 2026.

  • Ex-dates: about every 91 days (quarterly)
  • Payment: usually about 4 days after the ex-date

Every payer going ex-dividend this week is on the dividend calendar.

How Often Does PTBS Pay?

PTBS pays quarterly, 4 times a year. Recent payments arrived in Feb, May, Aug and Nov, with ex-dates in Feb, May, Aug and Nov. The ex-date comes about every 91 days, and the cash usually lands about 4 days later.

Paid in the last 12 months
$0.58 a share, in 4 payments.
+13.7% against the 12 months before ($0.51 in 4 payments).
Cash that landed, by pay date. The yield up top uses today’s rate instead, so a raise or a cut shows there first.
Payout months
JanFebMarAprMayJunJulAugSepOctNovDec
Pays in Feb, May, Aug and Nov. Ex-dates fall in Feb, May, Aug and Nov (latest 4 payments).
Raise history
  • Streak: 3 years of higher annual totals (through 2025)
  • Last raise: May 7, 2026 - $0.13 to $0.15 (+$0.02, +15.38%)
  • Usual $ step: $0.01 (median of the raises before it)
Coverage
  • EPS payout: 20.5% - $0.56 paid / $2.73 EPS (4 quarters to Sep 30, 2026); own 4-yr norm 24.1% (median of 12 earlier trailing years)
Deposits, loans and policy float run through operating cash flow here, so it does not measure dividend coverage.

PTBS vs Similar Dividend Stocks (BKSC, UNB...)

Against the 10 dividend-paying Financial Services companies closest to PTBS in market value, PTBS’s 2.27% run-rate yield is below the group’s middle yield of 3.63%, and its raise streak of 3 years is the 4th longest. A higher yield than the group is not a bonus by itself: it is often the market pricing in a cut, so read it next to the rating and the coverage behind it.

Ticker Dividend ⓘ Yield Safety Rating No cut ⓘ
PTBS $26.38Potomac Bancshares $0.15/qtr$0.60/yr fwd 2.27% Dividend Safety Rating: paid plans only 3+ yrsraised 3 yrs in a row
BKSC $20.60Bank of South Carolina $0.25/qtr$1.00/yr fwd 4.85% Dividend Safety Rating: paid plans only 16 yrsraised 2 yrs in a row
UNB $22.84Union Bankshares $0.36/qtr$1.44/yr fwd 6.30% Dividend Safety Rating: paid plans only 13 yrsno raise streak
UBOH $41.80United Bancshares $0.26/qtr$1.04/yr fwd 2.49% Dividend Safety Rating: paid plans only 12+ yrsraised 1 yr in a row
PROV $18.27Provident Financial Holdings $0.14/qtr$0.56/yr fwd 3.07% Dividend Safety Rating: paid plans only 16 yrsno raise streak
CBKM $31.88Consumers Bancorp $0.22/qtr$0.88/yr fwd 2.76% Dividend Safety Rating: paid plans only 5 yrsraised 4 yrs in a row
CIWV $56.00Citizens Financial $0.30/qtr$1.20/yr fwd 2.14% Dividend Safety Rating: paid plans only 12 yrsraised 9 yrs in a row
EARN $3.26Ellington Credit $0.08/mo$0.96/yr fwd 29.45% Dividend Safety Rating: paid plans only 3 yrsno raise streak
HARL $33.30Harleysville Financial $0.35/qtr$1.40/yr fwd 4.20% Dividend Safety Rating: paid plans only 30 yrsraised 9 yrs in a row
LX $0.61LexinFintech Holdings $0.188/half-yr$0.38/yr fwd 61.64% Dividend Safety Rating: paid plans only 1+ yrraised 1 yr in a row
PPLL $66.80Peoples $0.36/qtr$1.44/yr fwd 2.16% Dividend Safety Rating: paid plans only 0 yrsno raise streak

Yield and the safety rating are only half of it. See total returns with dividends reinvested, side by side: PTBS vs BKSC, PTBS vs UNB, PTBS vs UBOH.

PTBS Dividend History: Every Payment Since 2003

Ex-datePay dateAmountFrequencyType
Nov 5, 2026Nov 12, 2026$0.15QuarterlyRegular
Aug 6, 2026Aug 10, 2026$0.15QuarterlyRegular
May 7, 2026May 11, 2026$0.15QuarterlyRegular
Feb 5, 2026Feb 9, 2026$0.13QuarterlyRegular
Oct 31, 2025Nov 3, 2025$0.13QuarterlyRegular
Jul 31, 2025Aug 4, 2025$0.13QuarterlyRegular
May 1, 2025May 5, 2025$0.13QuarterlyRegular
Feb 6, 2025Feb 10, 2025$0.12QuarterlyRegular
Nov 1, 2024Nov 4, 2024$0.12QuarterlyRegular
Aug 5, 2024Aug 7, 2024$0.12QuarterlyRegular
The other 57 PTBS payments come with a paid plan.
Show all 67 payments »
Newest first. Amounts are per share as paid, restated for splits; frequency is the schedule on file for that payment; a payment over 2.5x its neighbours is marked special.
From reported payments, prices and filings — data, not investment advice.

What the Dividend Safety Rating Means for PTBS

UnlockDividend Safety Rating: paid plans only
See where PTBS lands, and why.
See the rating & factors »
Own PTBS? Your payouts fill in by themselves Add PTBS once, with your buy date and share count. Every dividend since fills in, dated and in dollars, and with DRIP on each new share is counted for you.
Track PTBS →

PTBS Dividend Questions

How often does PTBS pay dividends?

PTBS pays quarterly, 4 times a year. Recent payments arrived in Feb, May, Aug and Nov, with ex-dates in Feb, May, Aug and Nov. The ex-date comes about every 91 days, and the cash usually lands about 4 days later.

Does PTBS pay dividends monthly?

No. PTBS pays quarterly, 4 times a year. For payers that pay every month, see the monthly dividend stocks.

When is the next PTBS dividend?

PTBS has not declared its next dividend yet. By its usual rhythm of about 91 days between ex-dates, the next ex-date falls around Feb 4, 2027, with the cash around Feb 8, 2027. An estimate, not a promise: only the declaration makes it final. The latest one, $0.15 a share, went ex on Nov 5, 2026 and paid Nov 12, 2026. The current rate is $0.15 per share, $0.60 a year.

Does PTBS pay a dividend in February 2027?

Not declared yet. By its usual rhythm the next ex-date falls around Feb 4, 2027, with the cash around Feb 8, 2027, so a payment in February 2027 is likely. Only the company’s declaration makes it final.

How much does PTBS pay per share?

PTBS pays $0.15 a share quarterly, $0.60 a year. At the Nov 12, 2026 close of $26.38 that is a 2.27% run-rate yield, near its usual level: its own 10-year median is 2.26%.

Has PTBS raised its dividend?

Yes. PTBS has raised its annual dividend 3 years in a row, through 2025. The latest raise, on May 7, 2026, took the rate from $0.13 to $0.15 (+15.38%). Over five years the dividend grew 13.4% a year.

Is PTBS’s dividend safe?

No rating can promise a future payment, but the record on file says a lot. PTBS paid out 21% of its earnings as dividends over the 4 quarters to Sep 30, 2026. It has raised its dividend 3 years in a row and gone 3+ years without a cut. This is data, not investment advice. The full 7-check rating comes with a plan.

How do I track my PTBS dividends?

Add PTBS to a free DRIPCalc portfolio once, with your buy date and share count. Every payout since fills in, dated and in dollars; with DRIP on, the new shares each payment buys are counted for you, so there is no spreadsheet to update and no broker login. To project the snowball, run PTBS in the DRIP calculator.

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How this page is built: the rate is the latest regular dividend per share; run-rate yield = rate × payments per year ÷ last close (Nov 12, 2026), never a trailing 12-month total, which lags after a raise and hides a cut. Specials and one-off payments never count in the rate; a payer whose regular payments differ in size is annualized over its last full cycle of regular payments. Raise streak = consecutive calendar years with a higher amount per payment than the year before; years without a cut = years in which the amount per payment held within 1%. The Dividend Safety Rating reads 7 visible lines: coverage, streak, raise pace and yield range for dividend stocks; NAV trend, NAV funding and payout stability for income funds. Similar payers = the same sector or fund group, nearest in market value or fund size. Payments, prices and filings come from DRIPCALC’s price and dividend database. History is not a forecast. This is data, not investment advice.