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.
Potomac Bancshares Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$17.50|
|52 Week High||US$9.66|
|52 Week Low||US$17.50|
|1 Month Change||4.48%|
|3 Month Change||17.45%|
|1 Year Change||79.49%|
|3 Year Change||16.28%|
|5 Year Change||103.25%|
|Change since IPO||234.69%|
Recent News & Updates
|PTBS||US Banks||US Market|
Return vs Industry: PTBS matched the US Banks industry which returned 80% over the past year.
Return vs Market: PTBS exceeded the US Market which returned 35.3% over the past year.
Stable Share Price: PTBS is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: PTBS's weekly volatility (5%) has been stable over the past year.
About the Company
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, lot, unsecured home improvement and personal, and retail equipment 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, production and administrative equipment purchases; lines of credit; mortgage, term, residential and commercial construction, commercial real estate, and agricultural loans; and credit cards.
Potomac Bancshares Fundamentals Summary
|PTBS fundamental statistics|
Is PTBS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PTBS income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||1.39|
|Net Profit Margin||22.89%|
How did PTBS perform over the long term?See historical performance and comparison
1.8%Current Dividend Yield
Is Potomac Bancshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PTBS ($17.5) is trading above our estimate of fair value ($13.23)
Significantly Below Fair Value: PTBS is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: PTBS is poor value based on its PE Ratio (12.6x) compared to the US Banks industry average (11x).
PE vs Market: PTBS is good value based on its PE Ratio (12.6x) compared to the US market (17.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PTBS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PTBS is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.1x).
How is Potomac Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Potomac Bancshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Potomac Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PTBS has high quality earnings.
Growing Profit Margin: PTBS's current net profit margins (22.9%) are higher than last year (15.5%).
Past Earnings Growth Analysis
Earnings Trend: PTBS's earnings have grown by 9.3% per year over the past 5 years.
Accelerating Growth: PTBS's earnings growth over the past year (73.1%) exceeds its 5-year average (9.3% per year).
Earnings vs Industry: PTBS earnings growth over the past year (73.1%) exceeded the Banks industry 36%.
Return on Equity
High ROE: PTBS's Return on Equity (10.5%) is considered low.
How is Potomac Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: PTBS's Assets to Equity ratio (11.3x) is moderate.
Allowance for Bad Loans: PTBS has a sufficient allowance for bad loans (3497%).
Low Risk Liabilities: 97% of PTBS's liabilities are made up of primarily low risk sources of funding.
Loan Level: PTBS has an appropriate level of Loans to Assets ratio (79%).
Low Risk Deposits: PTBS's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: PTBS has an appropriate level of bad loans (0%).
What is Potomac Bancshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PTBS's dividend (1.83%) is higher than the bottom 25% of dividend payers in the US market (1.33%).
High Dividend: PTBS's dividend (1.83%) is low compared to the top 25% of dividend payers in the US market (3.6%).
Stability and Growth of Payments
Stable Dividend: PTBS's dividend payments have been volatile in the past 10 years.
Growing Dividend: PTBS's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (20.8%), PTBS's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Alice Frazier (56 yo)
Ms. Alice Poutasse Frazier serves as Director of ICBA Services Network, Inc. Ms. Frazier has been the Chief Executive Officer and President of Potomac Bancshares, Inc. and Bank of Charles Town (BCT) since...
Experienced Management: PTBS's management team is considered experienced (3.8 years average tenure).
Experienced Board: PTBS's board of directors are considered experienced (6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Potomac Bancshares, Inc.'s employee growth, exchange listings and data sources
- Name: Potomac Bancshares, Inc.
- Ticker: PTBS
- Exchange: OTCPK
- Founded: 1871
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$72.342m
- Shares outstanding: 4.13m
- Website: https://www.mybct.com
- Potomac Bancshares, Inc.
- 111 East Washington Street
- PO Box 906
- Charles Town
- West Virginia
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/25 22:16|
|End of Day Share Price||2021/09/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.