Potomac Bancshares (PTBS) Stock Price, News & Analysis

Company Overview

Potomac Bancshares, Inc. is a bank holding company headquartered in Charles Town, West Virginia. The company’s principal subsidiary is Bank of Charles Town, a community bank that provides financial services to individuals, families, businesses and nonprofit organizations.

Bank of Charles Town offers deposit products such as checking and savings accounts, certificates of deposit and other transaction accounts. Its lending activities include residential and commercial real estate loans, commercial and industrial financing, consumer loans and other credit products. The bank also provides digital banking, treasury management and related financial services.

Founded in 1871, Bank of Charles Town primarily serves communities in West Virginia’s Eastern Panhandle and nearby areas of Virginia. Through its local banking offices and electronic channels, the subsidiary focuses on relationship-based community banking for personal and business customers.

Key Stats

• Today's Range: $26.31 to $27.39
• 50-Day Range: $23.65 to $27.50
• 52-Week Range: $17.60 to $27.60
• Volume: 1,033 shs
• Average Volume: 613 shs
• Market Capitalization: $122.88 million
• P/E Ratio: 10.28
• Dividend Yield: 2.19%
• Price Target: N/A
• Consensus Rating: N/A

Potomac Bancshares Stock Analysis - MarketRank™

Potomac Bancshares scored higher than 28% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Potomac Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Potomac Bancshares is 10.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.64.

Price to Earnings Ratio vs. Sector

The P/E ratio of Potomac Bancshares is 10.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.57.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.00% of the float of Potomac Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Potomac Bancshares has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Potomac Bancshares has recently increased by 256.41%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Potomac Bancshares pays a meaningful dividend of 2.19%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Potomac Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Potomac Bancshares is 22.56%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.14

News Sentiment

Potomac Bancshares has a news sentiment score of 0.14. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.70 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Potomac Bancshares this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.2 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Potomac Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

4.38% of the stock of Potomac Bancshares is held by insiders.

Percentage Held by Institutions

5.26% of the stock of Potomac Bancshares is held by institutions.

Company Calendar

• Last Earnings: 7/29/2026
• Today: 9/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: OTCMKTS:PTBS
• Previous Symbol: NASDAQ:PTBS
• CIK: 925173
• Web: www.bankatbct.com
• Phone: (304) 725-8431
• Fax: N/A
• Employees: 83
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 10.28
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $54.90 million
• Price / Sales: 2.24
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 4,493,000
• Free Float: 4,296,000
• Market Cap: $122.88 million
• Optionable: Not Optionable
• Beta: 0.24