Potomac Bancshares, Inc. PTBS | OTC
$26.90
-$0.38 | -1.39%
SIGNAL:
|2026-09-23
|F&G 72
|RSI 69.7
|2026-09-23
|F&G 72
|RSI 69.7
Company Overview:
Market Cap:
$111.49M
Trailing PE:
10.1x
FWD PE:
—
Payout Ratio (TTM):
0.0%
52-Week Range:
$17.60 - $27.60
10 Year PTBS Performance Metrics:
Total Return (with DRIP):
261.4% (13.71% CAGR)
Total Return (no DRIP):
240.5% (13.03% CAGR)
Share Price:
212.4% (12.07% CAGR)
Yield on Cost (with DRIP):
8.06%
Total Invested:
$10,000
Total Value (with DRIP):
$36,136
Total Return $ (with DRIP):
$26,136
Dividend Increase:
328.6% (16.03% CAGR)
Dividend Yield (FWD):
2.23% ($0.60)
PTBS 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
PTBS Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
PTBS Price CAGR:1Y: 42.71%2Y: 34.18%5Y: 9.36%10Y: 12.07%
PTBS Dividend Charts
PTBS Dividend CAGR:1Y: 15.13%2Y: 11.79%5Y: 27.49%10Y: 8.68%
PTBS Dividend Payout Ratio CAGR:1Y: -27.92%2Y: -27.16%5Y: -0.39%10Y: -4.60%
PTBS Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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PTBS Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
PTBS Revenue CAGR:1Y: 21.22%2Y: 16.97%5Y: 16.39%10Y: 17.47%
PTBS EPS CAGR:1Y: 60.00%2Y: 53.39%5Y: 13.75%10Y: 14.87%
PTBS Net Income CAGR:1Y: 60.08%2Y: 52.85%5Y: 13.90%10Y: 17.57%
PTBS EBITDA CAGR:1Y: 61.96%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PTBS Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PTBS Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PTBS Operating Income CAGR:1Y: 61.96%2Y: 54.10%5Y: 14.14%10Y: 15.57%
PTBS Gross Profit CAGR:1Y: 25.99%2Y: 0.31%5Y: 9.45%10Y: 13.91%
PTBS Shares Outstanding CAGR:1Y: 0.00%2Y: -0.42%5Y: 0.05%10Y: 2.34%
PTBS Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PTBS Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PTBS Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
PTBS Actual Revenue CAGR:1Y: 21.22%2Y: 16.97%5Y: 16.39%10Y: 17.47%
PTBS Actual EPS CAGR:1Y: 60.00%2Y: 53.39%5Y: 13.75%10Y: 14.87%
PTBS Actual Net Income CAGR:1Y: 60.08%2Y: 52.85%5Y: 13.90%10Y: 17.57%
PTBS Actual EBITDA CAGR:1Y: 61.96%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Ratios, Profit Margins & Return on Capital:
PTBS Net Profit Margin CAGR:1Y: 32.07%2Y: 30.68%5Y: -2.15%10Y: 0.09%
PTBS Gross Profit Margin CAGR:1Y: 3.93%2Y: -14.24%5Y: -5.96%10Y: -3.03%
PTBS Price to Earnings CAGR:1Y: -13.85%2Y: -16.96%5Y: -4.59%10Y: -3.51%
PTBS Price To Sales Ratio CAGR:1Y: 13.71%2Y: 8.44%5Y: -6.66%10Y: -3.44%
PTBS Return on Capital Employed CAGR:1Y: -79.42%2Y: 42.14%5Y: 0.00%10Y: 4.87%
PTBS Return on Invested Capital CAGR:1Y: -79.72%2Y: 0.00%5Y: 0.00%10Y: 0.00%
PTBS Dividends Info:
Annual Dividend:
$0.6
Forward Yield:
2.23%
Ex-Dividend Date:
2026-08-06
Lifetime Dividends / Share:
$5.47
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 |
|---|---|---|---|---|---|
| 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% | 0.53% | $17.00 |
| 08/03/2022 | 08/11/2022 | $0.090 | 0.54% | 0.53% | $17.00 |
| 05/02/2022 | 05/10/2022 | $0.090 | 0.51% | 0.49% | $18.50 |
| 02/02/2022 | 02/10/2022 | $0.080 | 0.45% | 0.45% | $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% | 1.12% | $7.65 |
| 04/17/2014 | 04/24/2014 | $0.043 | 1.13% | 1.13% | $7.60 |
| 01/23/2014 | 01/30/2014 | $0.043 | 0.59% | 0.59% | $7.35 |
| 10/18/2013 | 10/25/2013 | $0.040 | 0.58% | 0.58% | $6.85 |
| 07/18/2013 | 07/25/2013 | $0.040 | 0.53% | 0.53% | $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 |
Projected Future Returns & Dividends for PTBS
Based on past 10-year performance, here are PTBS growth metrics:
Share price CAGR of +12.07%
Dividend CAGR of +16.03%
Using PTBS CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| PTBS (DRIP) | PTBS - No DRIP | |
|---|---|---|
| Current Price | $26.90 | $26.90 |
| Start Shares | 371.75 | 371.75 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 482.71 | 371.75 |
| Dividends Payment | $0.66 | $0.66 |
| Annual Dividends | $1,281 | $986 |
| Yield on cost | 12.81% | 9.86% |
| Share Price | $84.04 | $84.04 |
| Total Dividends | $5,551 | $4,762 |
| Final Value | $40,569 | $36,004 |
Estimated Future Value + Dividends - PTBS
NOTE: Above numbers are our estimate based on PTBS's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Potomac Bancshares, Inc. (PTBS) had its IPO on 1999-01-04, and is traded on OTC stock exchange.
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 loans for new and pre-owned vehicles, home equity loans and lines of credit (HELOCs), unsecured personal and home improvement loans, retail equipment financing, lot loans, and loans secured by CDs. Businesses can access various commercial lending options, such as financing for building or office acquisitions, commercial real estate and construction projects, and the purchase of production and administrative equipment. Their broader loan portfolio includes general lines of credit, mortgages, term loans, residential and commercial construction financing, commercial real estate loans, and agricultural loans. Further enhancing its service offerings, the institution provides credit and debit cards, Card Pay solutions, cash management services, and merchant processing. They also extend a variety of financial advisory services, including financial planning, trust and estate administration, investment management, wealth management, and full-service brokerage. Customers can also seek assistance with retirement and insurance planning, asset allocation and management, and college planning. For convenient access, the bank supports telephone, mobile, and online banking platforms. The company's operations are supported by nine full-service branch locations and a dedicated loan production office, strategically situated in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. Potomac Bancshares, Inc. was established in 1871 and is headquartered in Charles Town, West Virginia.
PTBS website: https://potomac.bank
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DCF Model — PTBS
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $26.90
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
