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PTBS Dividend DRIP Calculator 2026
2.30% YieldFinancial ServicesPotomac Bancshares, Inc. · OTC
Price: $23.50 · Annual div: $0.54/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When PTBS pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in PTBS → $11.79M in 10 years · $8,712.37/month
About Potomac Bancshares, Inc. (PTBS) — Dividend Analysis 2026
Potomac Bancshares, Inc. serves as the parent company for Bank of Charles Town, delivering a comprehensive suite of financial solutions to individual consumers and commercial enterprises alike. The bank offers a diverse range of deposit accounts, including checking, savings, and individual retirement accounts, alongside certificates of deposit (CDs). For personal financing needs, they provide loans for new and pre-owned vehicles, home equity loans and lines of credit (HELOCs), unsecured personal and home improvement loans, retail equipment financing, lot loans, and loans secured by CDs. Businesses can access various commercial lending options, such as financing for building or office acquisitions, commercial real estate and construction projects, and the purchase of production and administrative equipment. Their broader loan portfolio includes general lines of credit, mortgages, term loans, residential and commercial construction financing, commercial real estate loans, and agricultural loans. Further enhancing its service offerings, the institution provides credit and debit cards, Card Pay solutions, cash management services, and merchant processing. They also extend a variety of financial advisory services, including financial planning, trust and estate administration, investment management, wealth management, and full-service brokerage. Customers can also seek assistance with retirement and insurance planning, asset allocation and management, and college planning. For convenient access, the bank supports telephone, mobile, and online banking platforms. The company's operations are supported by nine full-service branch locations and a dedicated loan production office, strategically situated in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. Potomac Bancshares, Inc. was established in 1871 and is headquartered in Charles Town, West Virginia.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 PTBS Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold PTBS.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.30% | -0.50% | $230 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.95% | -0.84% | $195 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.84% | -0.96% | $184 / yr |
| 🇬🇧 UK ISA | 0% | 2.30% | -0.50% | $230 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.10% | -0.70% | $210 / yr |
| 🇨🇦 TFSA | 0% | 2.30% | -0.50% | $230 / yr |
| 🇨🇦 CA Taxable | 25% | 1.72% | -1.07% | $172 / yr |
| 🇦🇺 Super (pension) | 15% | 1.95% | -0.84% | $195 / yr |
| 🇦🇺 AU Taxable | 30% | 1.61% | -1.19% | $161 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.69% | -1.11% | $169 / yr |
| 🇫🇷 FR Taxable | 30% | 1.61% | -1.19% | $161 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 PTBS Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.54/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 PTBS Dividend Payment Schedule
PTBS pays quarterly — 4 times per year. Next ex-div: TBD.
📊 PTBS vs Financial Services Benchmarks
How PTBS compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for PTBS sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ PTBS Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Buy | 2012-06-22 | 363 | $4.50 | $1.6K | ||
| Buy | 2012-06-20 | 100 | $4.50 | $450.00 | ||
| Buy | 2012-05-17 | 100 | $5.00 | $500.00 | ||
| Buy | 2012-05-17 | 1,000 | $4.99 | $5.0K | ||
| Buy | 2012-03-09 | 100 | $4.50 | $450.00 | ||
| Buy | 2012-02-22 | 500 | $4.15 | $2.1K | ||
| Buy | 2011-11-29 | 460 | $4.60 | $2.1K | ||
| Buy | 2011-12-21 | 396 | $4.25 | $1.7K | ||
| Buy | 2011-12-21 | 104 | $3.89 | $405.00 | ||
| Buy | 2011-12-15 | 200 | $3.97 | $794.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the PTBS dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Potomac Bancshares, Inc. (PTBS) is currently trading at $23.50, trading near its 52-week high. The current dividend yield is 2.30% based on an annual payout of $0.54 per share.
PTBS (Potomac Bancshares, Inc.) — 2.30% Dividend Yield Analysis
Potomac Bancshares, Inc. (PTBS) is a financial services stock currently trading at $23.50 with a dividend yield of 2.30%. The company pays an annual dividend of $0.54 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, PTBS has grown its dividend at a compound annual rate of 82.0%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.
Latest PTBS News
LiveNews aggregated from public sources via Finnhub & RSS. For informational purposes only.