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About the company
Potomac Bancshares, Inc. is the one bank holding company of Bank of Charles Town (BCT), also known as The Community's Bank. BCT is a locally owned community bank with nine full-service offices and one loan production office serving the Eastern Panhandle of West Virginia, Washington County, Maryland and Loudoun County, Virginia. Its personal banking services include personal checking; savings, Certificates of Deposit (CD) and Individual Retirement Accounts (IRA); Centsables financial education; online and mobile banking; Convenience services; home equity lending; personal loans; consumer credit cards; account opening service, and others. The Company’s business banking services include specialties, commercial loans, small business administration (SBA) lending, business checking solutions, management, Autobooks, online and mobile banking, business credit cards and others. It offers fixed and adjustable-rate mortgages, construction loans, and VA, FHA, and USDA options.
- Revenue in USD (TTM)38.84m
- Net income in USD6.54m
- Incorporated2014
- Employees125.00
- LocationPotomac Bancshares Inc111 East Washington StreetCHARLES TOWN 25414United StatesUSA
- Phone+1 (304) 725-8431
- Websitehttps://www.mybct.bank/
Peer analysis
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ES Bancshares Inc | 30.21m | 273.00k | 43.58m | 37.00 | 156.88 | 0.9396 | -- | 2.87 | 0.0404 | 0.0404 | 2.24 | 6.74 | -- | -- | -- | -- | 0.0427 | 0.5525 | -- | -- | -- | -- | 1.80 | 16.80 | -- | -- | -- | -- | 32.96 | 13.83 | -71.94 | 10.88 | -26.59 | -- |
| Ferrellgas Partners LP | 1.84bn | -25.29m | 48.58m | 4.01k | -- | -- | 0.361 | 0.0264 | -5.21 | -5.21 | 378.49 | -41.14 | 1.21 | 9.05 | 9.88 | 459,063.70 | 6.72 | 0.9049 | 7.91 | 1.44 | 53.45 | 48.29 | 5.56 | 0.7692 | 1.25 | 2.15 | 1.22 | -- | -4.17 | -0.4544 | 154.19 | -- | 0.9239 | -- |
| NSTS Bancorp Inc | 8.99m | -4.57m | 50.32m | 46.00 | -- | 0.659 | -- | 8.58 | -0.922 | -0.922 | 1.18 | 14.45 | -- | -- | -- | -- | -1.75 | -- | -- | -- | -- | -- | -77.96 | -- | -- | -- | -- | -- | 21.74 | -- | -14,755.56 | -- | -- | -- |
| Summit State Bank | 58.81m | 6.04m | 55.83m | 115.00 | 9.13 | 0.57 | 14.26 | 1.65 | 0.9015 | 0.9015 | 5.04 | 14.44 | -- | -- | -- | -- | 0.5388 | 1.32 | -- | -- | -- | -- | 17.88 | 30.75 | -- | -- | -- | -- | 23.05 | 18.69 | -36.22 | 13.18 | -- | 1.92 |
| Top KingWin Ltd | 5.45m | -2.55m | 57.45m | 145.00 | -- | 0.6255 | -- | 10.54 | -0.1816 | -0.1816 | 0.391 | 0.5020 | 0.7117 | -- | 18.17 | 37,608.55 | -33.25 | -- | -52.20 | -- | 65.84 | -- | -46.72 | -- | -- | -- | 0.00 | -- | 74.65 | -- | -230.23 | -- | -- | -- |
| Bayfirst Financial Corp | 76.09m | 4.07m | 57.67m | 302.00 | 15.73 | 0.6767 | 4.88 | 0.6374 | 0.8869 | 0.8578 | 19.66 | 24.42 | -- | -- | -- | -- | 0.4676 | -- | -- | -- | -- | -- | 5.96 | -- | -- | -- | -- | -- | 77.66 | -- | 6.54 | -- | -- | -- |
| Ks Bancorp Inc | 32.50m | 5.97m | 58.16m | 72.00 | 9.74 | 1.34 | -- | 2.43 | 5.39 | 5.39 | 21.56 | 39.29 | -- | -- | -- | -- | 0.9516 | 1.11 | -- | -- | -- | -- | 25.00 | 27.35 | -- | -- | -- | 11.80 | 33.32 | 12.26 | -17.84 | 11.88 | -- | 27.68 |
| Potomac Bancshares Inc | 38.84m | 6.54m | 60.85m | 125.00 | 9.34 | -- | -- | 1.87 | 1.57 | 1.57 | 7.81 | -- | -- | -- | -- | -- | -- | 0.8935 | -- | -- | -- | -- | 20.13 | 21.63 | -- | -- | -- | 24.64 | 31.48 | 15.16 | -0.6429 | 16.45 | -38.30 | 6.30 |
| Juniata Valley Financial Corp | 35.59m | 6.57m | 62.39m | 122.00 | 9.52 | 1.44 | 8.60 | 2.22 | 1.31 | 1.31 | 5.60 | 8.66 | -- | -- | -- | -- | 0.7688 | 0.8229 | -- | -- | -- | -- | 23.39 | 23.47 | -- | -- | -- | 69.91 | 20.42 | 7.01 | -6.63 | 2.83 | -8.27 | 0.00 |
| IF Bancorp Inc | 40.98m | 1.79m | 62.95m | 109.00 | 32.99 | 0.8517 | 25.58 | 2.85 | 0.5691 | 0.5691 | 7.02 | 22.04 | -- | -- | -- | -- | 0.2061 | 0.5396 | -- | -- | -- | -- | 8.09 | 17.39 | -- | -- | -- | 25.03 | 27.79 | 8.93 | -61.59 | -12.84 | -25.93 | 9.86 |
| Skyline Bankshares Inc | 47.09m | 8.08m | 65.02m | 230.00 | 7.95 | 0.7694 | 6.26 | 1.52 | 1.45 | 1.45 | 7.68 | 15.01 | -- | -- | -- | -- | 0.7805 | 0.9616 | -- | -- | -- | -- | 18.92 | 22.50 | -- | -- | -- | 20.81 | 18.59 | 10.62 | -5.65 | 16.47 | 0.0917 | 16.00 |
| Killbuck Bancshares Inc | 14.68m | 3.03m | 67.49m | 100.00 | 22.31 | 1.47 | 19.41 | 5.30 | 4.93 | 4.93 | 20.74 | 75.06 | -- | -- | -- | -- | 0.701 | 1.00 | -- | -- | -- | -- | 23.77 | 27.10 | -- | -- | -- | 53.53 | -2.28 | -6.17 | -3.52 | -11.25 | -36.53 | -2.71 |
| TC Bancshares Inc | 21.95m | -43.97k | 68.65m | 65.00 | -- | 0.9104 | 109.87 | 4.66 | -0.0107 | -0.0107 | 3.18 | 18.01 | -- | -- | -- | -- | -0.0097 | -- | -- | -- | -- | -- | -0.2985 | -- | -- | -- | -- | -- | 35.82 | -- | -84.90 | -- | -- | -- |
| United Bancorp Inc | 38.85m | 8.14m | 70.28m | 115.00 | 8.04 | 1.16 | 7.37 | 2.39 | 1.47 | 1.47 | 5.30 | 10.18 | -- | -- | -- | -- | 1.03 | 1.17 | -- | -- | -- | -- | 28.93 | 29.71 | -- | -- | -- | 50.27 | 33.22 | 11.56 | 3.92 | 16.13 | 6.61 | 5.04 |
| Silver Spike Investment Corp | 12.42m | 5.58m | 74.08m | 0.00 | 13.27 | 0.8792 | -- | 5.96 | 0.8986 | 0.8986 | 2.00 | 13.56 | 0.137 | -- | 11.04 | -- | 6.16 | -- | 6.41 | -- | 79.80 | -- | 44.95 | -- | -- | -- | 0.00 | -- | -- | -- | -- | -- | -- | -- |
| Southern Michigan Bancorp Inc | 72.51m | 10.37m | 76.34m | 173.00 | 7.38 | 0.7554 | -- | 1.58 | 2.29 | 2.29 | 10.67 | 22.36 | -- | -- | -- | -- | 0.7209 | 0.9801 | -- | -- | -- | -- | 21.45 | 25.52 | -- | -- | -- | 21.36 | 48.57 | 17.10 | -19.17 | 6.06 | -- | 5.05 |
| Holder | Shares | % Held |
|---|---|---|
| Cutler Capital Management LLCas of 30 Jun 2024 | 192.89k | 4.67% |
