Potomac Bancshares, Inc. engages in the provision of banking services. The company is headquartered in Charles Town, West Virginia. The Bank offers deposit products to the same primary market area as loans. These products include noninterest-bearing and interest-bearing checking accounts, money market accounts, savings accounts, and certificates of deposit in various terms. The company also offers investment management, trust and estate services, and comprehensive financial planning through BCT Wealth Advisors. The company also offers brokerage, investment, and insurance products through BCT Investments. Its personal banking services include personal checking; savings, certificates of deposit and Individual Retirement Accounts (IRA); online and mobile banking; convenience services; home equity lending; personal loans; consumer credit cards; open an account, and others. Its business banking services include industry specialties, commercial loans, small business administration (SBA) lending, business checking accounts, among others.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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--
--
--
--
--
Revenue Growth (YoY)
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--
--
--
--
--
Cost of Revenue
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--
--
--
--
--
Gross Profit
--
--
--
--
--
--
Selling, General & Admin
--
--
--
--
--
--
Research & Development
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--
--
--
--
Operating Expenses
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--
--
--
--
--
Other Non Operating Income (Expenses)
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--
--
--
--
--
Pretax Income
8
11
8
9
9
9
Income Tax Expense
1
2
1
2
2
2
Net Income
6
8
6
7
7
7
Net Income Growth
--
33%
-14%
0%
0%
133%
Shares Outstanding (Diluted)
4.14
4.14
4.14
4.14
4.13
4.14
Shares Change (YoY)
--
0%
0%
0%
0%
1%
EPS (Diluted)
1.63
2.16
1.64
1.75
1.77
1.83
EPS Growth
--
31%
-6%
-1%
-3%
99%
Free Cash Flow
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--
4
15
9
10
Free Cash Flow Per Share
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--
--
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Gross Margin
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Operating Margin
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Profit Margin
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--
Free Cash Flow Margin
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EBITDA
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--
--
--
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EBITDA Margin
--
--
--
--
--
--
D&A For EBITDA
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--
0
0
0
0
EBIT
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--
--
--
EBIT Margin
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--
--
--
--
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Effective Tax Rate
12.5%
18.18%
12.5%
22.22%
22.22%
22.22%
Follow-Up Questions
What are Potomac Bancshares Inc's key financial statements?
According to the latest financial statement (Form-10K), Potomac Bancshares Inc has a total asset of $944, Net profit of $8
What are the key financial ratios for PTBS?
Potomac Bancshares Inc's Current ratio is 1.09, has a Net margin is 0, sales per share of $0.
How is Potomac Bancshares Inc's revenue broken down by segment or geography?
Potomac Bancshares Inc largest revenue segment is Banking and Related Activities, at a revenue of 31,966,000 in the most earnings release.For geography, United States is the primary market for Potomac Bancshares Inc, at a revenue of 31,966,000.
Is Potomac Bancshares Inc profitable?
yes, according to the latest financial statements, Potomac Bancshares Inc has a net profit of $8
Does Potomac Bancshares Inc have any liabilities?
yes, Potomac Bancshares Inc has liability of 861
How many outstanding shares for Potomac Bancshares Inc?
Potomac Bancshares Inc has a total outstanding shares of 4.14