Financial Services
Potomac Bancshares, Inc.(PTBS)
Live Price
Offline$23.41
+0.00% today
1Y Change
+38.93%
Window
Jun 23, 2025 โ Jun 18, 2026
- Market Cap
- $90.00M
- Revenue Growth
- +14.4%
- EPS Growth
- +30.9%
- Dividend Yield
- 2.5%
Coverage: 249 bars ยท Jun 23, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Potomac Bancshares, Inc. (PTBS) is a Financial Services stock with a market cap of $90.00M and listed on OTC. The stock last traded around $23.41 and up 38.9% across the available one-year price window (Jun 23, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +14.4%, EPS growth of +30.9%, a dividend yield of 2.5%. What stands out right now is revenue +14.4%, EPS +30.9%, free cash flow +109.9% with operating margin 22.5% and ROIC 1.0%. The dividend is present but secondary, with a yield around 2.5%. Valuation is more restrained than many high-expectation growth names at P/E 8.9 and price/sales 1.5. Stock Foundry combines PTBS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+14.4% vs +3.4% peer median
Operating Margin
Above sector median
+22.5% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 27, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +14.4% and EPS at +30.9%, with operating margin around 22.5%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +3.4% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 27, 2026 | โ | +0.0% | +8.9% | +12.0% |
2026 Jan 29, 2026 | โ | +0.0% | -0.2% | +5.6% |
2025 Oct 29, 2025 | โ | +1.6% | +1.3% | +0.6% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PTBS
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
PTBS Max Drawdown
-8.89%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PTBS and SPY.
Company Overview
Potomac Bancshares, Inc.
Other OTC
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.
- Leadership
- Alice Poutasse Frazier
- IPO Date
- Jan 4, 1999
- Employees
- 93
- Street Address
- 111 East Washington Street
- Mailing
- Charles Town, WV, 25414-0906
- Region
- Charles Town, WV, US
- Reporting Currency
- USD
- Investor Line
- 304 725 8431
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.9
- EV/EBITDA
- 9.5
- Price/Sales
- 1.5
- Price/Book
- 1.0
Growth
- Revenue
- +14.4%
- EPS
- +30.9%
- Free Cash Flow
- +109.9%
Profitability
- Gross Margin
- 71.8%
- Operating Margin
- 22.5%
- Net Margin
- 17.4%
- ROE
- 12.1%
- ROIC
- 1.0%
Balance Sheet
- Debt/Equity
- 0.46
- Current Ratio
- 3.95
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.