Potomac Bancshares, Inc.
PTBSFinancial Services · Stock · quarterly payer
Forward Yield
2.27%
Annual Dividend
$0.60
Payout Ratio
21%
5-Yr Growth
12.7%
Ex-Date
Aug 6, 2026
Frequency
Quarterly
Summary
As of September 2026, Potomac Bancshares, Inc. (PTBS) yields 2.27% ($0.60 per share annually), with a blended fair-value estimate of $49.30 — +86% upside, so it screens as undervalued. Dividend safety grade: A (83/100). 5 years of dividend growth.
Is PTBS a good dividend stock?
YesPotomac Bancshares, Inc. (PTBS) pays a quarterly dividend yielding 2.27% ($0.60/yr), with 5 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (21%)
- Strong 12.7% 5-yr dividend growth
- 44% total price return over 5 years
- Top-tier dividend safety score
Risks
- Cut its dividend in 2009
Key Data
- Dividend Yield
- 2.27%
- Payout Ratio
- 21%
- Annual Dividend
- $0.60
- 5-Yr Avg Growth
- 12.7%
- Ex-Dividend Date
- Aug 6, 2026
- Years of Growth
- 5
- Frequency
- quarterly
- Beta
- 0.23
- Market Cap
- $109.8M
- P/E Ratio
- 10.1
- 5-Yr Total Return
- 44%
- 52-Week Range
- $17.60 – $27.15
- Dividend Safety
- A · 83/100
- Ever Cut?
- Yes (2009)
Frequently Asked Questions
PTBS Price — Last 12 Months
Daily close
Price Return
1 Year
+45%
3 Years
+77%
5 Years
+44%
52-Week Range
$17.60 – $27.15
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is PTBS worth?
Undervaluedlow confidenceOur blended fair-value estimate for Potomac Bancshares, Inc. is $49.30 per share, versus a market price of $26.50. That implies 86% of upside — a margin of safety of about 46%.
Fair Value
$49.30
Current Price
$26.50
Upside
+86%
Margin of Safety
46%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 13.2% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 13.2% stage-1 growth, 2.5% terminal growth, $2.62 EPS, $0.60 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
PTBS Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 6, 2026 | — | $0.1500 | regular |
| May 7, 2026 | — | $0.1500 | regular |
| Feb 5, 2026 | — | $0.1300 | regular |
| Oct 31, 2025 | — | $0.1300 | regular |
| Jul 31, 2025 | — | $0.1300 | regular |
| May 1, 2025 | — | $0.1300 | regular |
| Feb 6, 2025 | — | $0.1200 | regular |
| Nov 1, 2024 | — | $0.1200 | regular |
| Aug 5, 2024 | — | $0.1200 | regular |
| May 2, 2024 | — | $0.1200 | regular |
| Feb 1, 2024 | — | $0.1000 | regular |
| Nov 1, 2023 | — | $0.1000 | regular |
| Aug 3, 2023 | — | $0.1000 | regular |
| May 2, 2023 | — | $0.0900 | regular |
Income Calculator
At $0.60 / yr per share
