Potomac Bancshares, Inc.
Potomac Bancshares, Inc.
Your view on PTBS
Overview
What the company does, where it operates, and who runs it.
About Potomac Bancshares, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Alice Poutasse Frazier
- Headquarters
- 111 East Washington Street, Charles Town, WV, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Alice Poutasse Frazier
- Headquarters
- 111 East Washington Street, Charles Town, WV, US
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, 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.
It operates through nine full-service offices and one loan production office located in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. The company was founded in 1871 and is based in Charles Town, West Virginia.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Potomac Bancshares, Inc., and the rating behind it. PTBS last traded at $19.60, 10.0× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Potomac Bancshares, Inc.. Starting points for Potomac Bancshares, Inc.: P/E 10.0, EPS $2.67, beta 0.22 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Potomac Bancshares, Inc.. Potomac Bancshares, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Potomac Bancshares, Inc.. Trailing twelve-month EPS for Potomac Bancshares, Inc. stands at $2.67. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Potomac Bancshares, Inc.. Potomac Bancshares, Inc. has reported as a listed company since 1999. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Potomac Bancshares, Inc. valued side by side against its closest peers. Potomac Bancshares, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Potomac Bancshares, Inc., and how their positions are changing. At a $81.2M market value, institutional positions materially move Potomac Bancshares, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Potomac Bancshares, Inc. executives and directors. Shares of Potomac Bancshares, Inc. have traded between $14.59 and $20.28 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Potomac Bancshares, Inc.. Potomac Bancshares, Inc. is a $81.2M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Potomac Bancshares, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Potomac Bancshares, Inc.. Coverage tracks Potomac Bancshares, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.