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Potomac Bancshares, Inc. · OTC
Price: $22.74 · Annual div: $0.54/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in PTBS → $11.84M in 10 years · $9,043.01/month
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, unsecured home improvement and personal, retail equipment, and lot 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, and production and administrative equipment purchases; lines of credit; mortgage, term, residential and commercial construction, commercial real estate, and agricultural loans; and credit and debit cards. In addition, the company offers Card Pay, cash management, merchant, financial planning, trust and estate, investment management, wealth management, full-service brokerage, retirement and insurance planning and products, asset allocation and management, and college planning services, as well as telephone, mobile, and online banking services. It operates through nine full-service offices and one loan production office located in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. The company was founded in 1871 and is based in Charles Town, West Virginia.
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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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% | 2.37% | -0.43% | $237 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.01% | -0.79% | $201 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.90% | -0.90% | $190 / yr |
| 🇬🇧 UK ISA | 0% | 2.37% | -0.43% | $237 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.16% | -0.64% | $216 / yr |
| 🇨🇦 TFSA | 0% | 2.37% | -0.43% | $237 / yr |
| 🇨🇦 CA Taxable | 25% | 1.78% | -1.02% | $178 / yr |
| 🇦🇺 Super (pension) | 15% | 2.01% | -0.79% | $201 / yr |
| 🇦🇺 AU Taxable | 30% | 1.66% | -1.14% | $166 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.74% | -1.06% | $174 / yr |
| 🇫🇷 FR Taxable | 30% | 1.66% | -1.14% | $166 / 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.
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 pays quarterly — 4 times per year. Next ex-div: TBD.
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.
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.
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 →
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