Subscribe

Potomac Bancshares, Inc. (PTBS)

USD23.20 -0.41 (-1.74%)
US OTC Financial Services Banks - Regional
Address 111 East Washington Street 25414-0906
Charles Town, WV, US
CEO Alice Poutasse Frazier
Website mybct.com
IPO 1999-01-04
CIK 925173 ISIN US7376431067

Explore sections of this company profile

Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD23.20 -0.41 (-1.74%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
2.0K
Beta
0.25
Float Shares
4.13M
Free Float %
99.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-4.50% -4.46% +6.33% +5.95% +8.75% +11.23% +29.63% +31.25% +55.56% +121.05% +295.48%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
23.20
DCF (Unlevered) 36.59 +57.7%
DCF (Levered) 47.60 +105.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.27
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +14.4% Q1'26: +19.8% (vs Q1'25)
  • EPS growth
    +30.9% Q1'26: +37.7% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +25.9% (vs Q1'25)
  • ROIC
    Q1'26: +10.3% (vs Q1'25)
  • Share dilution
    0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.52× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.22) × ERP
WACC = 69% × Ke + 31% × Kd (37.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 36.43 Current price: 23.20
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-07 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-05 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-04 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-01 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-30 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-29 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-27 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-24 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-23 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-22 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-21 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-17 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.16M
OE per share TTM
0.52
Owner's Yield
2.37%
Maintenance CapEx ratio
19.05%
Maint CapEx / Avg PPE
22.9%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
2
Total invested
4.29M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
2
+0 vs prev Q
New positions
0
Closed positions
0
Increased
1
Reduced
1
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 CUTLER CAPITAL MANAGEMENT, LLC 230.6K +400.0 (+0.2%) 4.24M -103.2K (-2.4%) 5.56% +0.010 pp 1.23% -0.148 pp USD16.67 +13.3% 19 qtrs
2 BANC FUNDS CO LLC 2.9K -24.5K (-89.4%) 54.7K -461.6K (-89.4%) 0.07% -0.592 pp 0.01% -0.079 pp USD13.61 +38.7% 29 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
4.00
Bullish
Buys
4
Sells
1
Shares acquired
1.6K
Shares disposed
Cash buys
4.00
Cash sales
Net activity
+1,563
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2012-06-22 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 363 4.50 1.6K 14,497
2012-06-20 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 100 4.50 450.00 14,134
2012-05-17 SCOTT BARBARA L Director P-Purchase A Potomac Bancshares Inc. Common Stock 100 5.00 500.00 3,756
2012-05-15 SCOTT BARBARA L Director D Potomac Bancshares Inc. Common Stock 0 0.00 2,656
2012-03-09 PICHOT BARBARA H Director P-Purchase A Potomac Bancshares Inc. Common Stock 100 4.50 450.00 3,998
2012-02-22 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 500 4.15 2.1K 35,038
2012-01-18 BOYD J SCOTT Director J-Other D Potomac Bancshares Inc. Common Stock 0 0.00 867
2011-12-21 BERKELEY KEITH B Director P-Purchase A POTOMAC BANCSHARES INC., COMMON STOCK 396 4.25 1.7K 5,686
2011-12-15 PICHOT BARBARA H Director P-Purchase A Potomac Bancshares Inc. Common Stock 200 3.97 794.00 3,898
2011-12-09 COGNETTI DEAN J Officer P-Purchase A Potomac Bancshares Inc. Common Stock 500 4.25 2.1K 500
2011-12-08 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 400 4.25 1.7K 14,035
2011-11-29 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc. Common Stock 460 4.60 2.1K 4,054
2011-11-28 COGSWELL MARGARET M Director P-Purchase A Potomac Bancshares Inc. Common Stock 150 4.25 637.50 1,656
2011-11-28 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 500 4.25 2.1K 34,538
2011-11-23 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 322 4.25 1.4K 13,635
2011-09-06 COGNETTI DEAN J Officer D Potomac Bancshares Inc Common Stock 0 0.00 0
2011-06-20 MOORE ARCH A III Officer P-Purchase A Potomac Bancshares Inc Common Stock 500 5.50 2.8K 4,300
2011-06-17 MOORE ARCH A III Officer P-Purchase A Potomac Bancshares Inc Common Stock 300 5.50 1.7K 3,800
2011-05-17 MOORE ARCH A III Officer P-Purchase A Potomac Bancshares Inc Common Stock 500 5.50 2.8K 3,500
2011-05-11 COGSWELL MARGARET M Director P-Purchase A Potomac Bancshares Inc. Common Stock 500 5.60 2.8K 1,506
2011-05-06 MOORE ARCH A III Officer P-Purchase A Potomac Bancshares Inc Common Stock 500 5.50 2.8K 3,000
2011-03-30 MOORE ARCH A III Officer P-Purchase A Potomac Bancshares Inc Common Stock 1,500 5.57 8.4K 2,500
2011-03-18 MOORE ARCH A III Officer P-Purchase A Potomac Bancshares Inc. Common Stock 1,000 5.50 5.5K 1,000
2010-12-06 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc. Common Stock 1,000 4.50 4.5K 3,594
2010-12-01 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 300 4.75 1.4K 4,024
2010-11-30 BERKELEY KEITH B Director P-Purchase A Potomac Bancshares Inc. Common Stock 2,000 4.50 9.0K 5,186
2010-11-05 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 500 4.90 2.5K 13,313
2010-09-16 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 500 4.95 2.5K 3,724
2010-09-15 Merson Stanley L Director P-Purchase A Potomac Bancshares Inc Common Stock 700 5.00 3.5K 1,000
2010-09-02 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 1,000 5.45 5.5K 2,000
2010-08-11 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 5,000 5.25 26.3K 34,038
2010-08-10 SKINNER JOHN C JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 1,000 5.84 5.8K 26,234
2010-08-10 Merson Stanley L Director D Potomac Bancshares Inc Common Stock 0 0.00 300
2010-08-09 TOGANS CALVIN LARRY Director P-Purchase A Potomac Bancshares Inc. Common Stock 200 5.50 1.1K 404
2010-08-09 PICHOT BARBARA H Director P-Purchase A Potomac Bancshares Inc. Common Stock 200 5.25 1.1K 3,698
2010-08-06 COGSWELL MARGARET M Director P-Purchase A Potomac Bancshares Inc. Common Stock 500 5.25 2.6K 1,006
2010-08-05 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 1,000 4.50 4.5K 2,224
2010-05-17 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc. Common Stock 1,468 5.50 8.1K 28,795
2010-03-30 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 900 4.95 4.5K 12,813
2010-01-19 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 2,420 6.00 14.5K 29,038
2009-12-28 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 850 6.10 5.2K 11,913
2009-12-23 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 500 6.10 3.1K 11,063
2009-12-10 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 200 6.00 1.2K 26,618
2009-12-08 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 290 6.00 1.7K 26,418
2009-12-08 BERKELEY KEITH B Director P-Purchase A Potomac Bancshares Inc. Common Stock 636 6.34 4.0K 3,186
2009-11-25 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 1,000 6.00 6.0K 26,128
2009-11-23 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 1,000 6.00 6.0K 25,128
2009-09-11 BERKELEY KEITH B Director P-Purchase A Potomac Bancshares Inc. Common Stock 500 6.00 3.0K 550
2009-09-04 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc. Common Stock 268 5.60 1.5K 10,563
2009-09-02 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc. Common Stock 1,166 6.00 7.0K 27,327
2009-09-01 COGSWELL MARGARET M Director P-Purchase A Potomac Bancshares Inc. Common Stock 100 6.25 625.00 506
2009-08-25 PICHOT BARBARA H Director P-Purchase A Potomac Bancshares Inc. Common Stock 200 6.40 1.3K 3,498
2009-08-21 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 500 6.00 3.0K 26,161
2009-08-18 SKINNER JOHN C JR Director P-Purchase A Potomac Bancshares Inc. Common Stock 900 6.50 5.9K 24,234
2009-06-22 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 300 8.50 2.6K 10,295
2009-06-09 JOHNSON GAYLE M Officer P-Purchase A Potomac Bancshares Inc Common Stock 1,000 8.00 8.0K 1,000
2009-05-08 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc Common Stock 350 8.50 3.0K 2,594
2009-03-25 PICHOT BARBARA H Director P-Purchase A Potomac Bancshares Inc. Common Stock 100 7.80 780.00 3,298
2009-01-15 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 90 8.77 789.30 769
2009-01-02 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 2,741 9.00 24.7K 25,661
2008-11-12 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 500 10.00 5.0K 22,920
2008-11-06 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 100 10.00 1.0K 22,420
2008-10-06 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 500 11.10 5.6K 22,320
2008-09-30 BURNS J P JR Director C-Conversion A Potomac Bancshares Inc. Common Stock 2,040 11.28 23.0K 2,040
2008-09-23 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 1,200 11.10 13.3K 21,820
2008-09-05 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 50 12.00 600.00 9,995
2008-09-03 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 175 12.00 2.1K 9,945
2008-07-08 EROS MARY CLARE Director D Potomac Bancshares Inc Common Stock 0 0.00 50
2008-07-08 BERKELEY KEITH B Director D Potomac Bancshares Inc Common Stock 0 0.00 50
2008-02-13 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc Common Stock 1,000 12.50 12.5K 24,128
2007-12-14 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 420 12.50 5.3K 9,770
2007-02-27 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 200 15.45 3.1K 9,350
2007-02-08 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 194 15.40 3.0K 20,620
2007-01-17 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc. Common Stock 306 15.40 4.7K 20,426
2007-01-09 TOGANS CALVIN LARRY Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 SMITH DONALD S Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 SKINNER JOHN C JR Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 PICHOT BARBARA H Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 JOHNSON GAYLE M Officer A-Award A Incentive Stock Option 2,040 15.60 31.8K 2,040
2007-01-09 JOHNSON E WILLIAM Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 IRVIN DAVID W A-Award A Incentive Stock Option 2,040 15.60 31.8K 2,040
2007-01-09 HARNER WILLIAM R Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 COYLE THOMAS C G Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 COGSWELL MARGARET M Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 CHICCHIRICHI G GARY Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 BURNS J P JR Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 BOYD J SCOTT Director A-Award A Non Qualified Stock Option 1,113 15.60 17.4K 1,113
2007-01-09 BARONNER ROBERT F JR Director / Officer A-Award A Incentive Stock Option 4,000 15.60 62.4K 4,000
2007-01-05 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 200 15.60 3.1K 9,150
2006-12-18 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 500 15.40 7.7K 20,120
2006-12-13 SMITH DONALD S Director P-Purchase A Potomac Bancshares Inc Common Stock 640 15.50 9.9K 16,640
2006-06-19 COGSWELL MARGARET M Director P-Purchase A Potomac Bancshares Inc 100 16.50 1.7K 400
2006-06-15 SMITH DONALD S Director P-Purchase A Potomac Bancshares Inc Common Stock 700 15.75 11.0K 16,000
2006-05-18 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 400 16.00 6.4K 19,245
2006-05-15 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 100 15.93 1.6K 18,845
2006-05-10 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 100 16.25 1.6K 18,745
2006-05-09 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 150 16.50 2.5K 8,775
2006-05-08 JOHNSON E WILLIAM Director P-Purchase A Potomac Bancshares Inc Common Stock 100 16.30 1.6K 100
2006-05-05 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 1,000 16.25 16.3K 18,645
2006-05-03 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 200 16.30 3.3K 17,645
2006-05-02 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 200 16.25 3.3K 17,445
2006-02-14 JOHNSON E WILLIAM Director P-Purchase A Potomac Bancshares Inc Common Stock 150 16.65 2.5K 6,000
2006-01-10 TOGANS CALVIN LARRY Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 SMITH DONALD S Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 SKINNER JOHN C JR Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 PICHOT BARBARA H Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 JOHNSON GAYLE M Officer A-Award A Incentive Stock Option 2,600 17.25 44.9K 2,600
2006-01-10 JOHNSON E WILLIAM Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 IRVIN DAVID W A-Award A Incentive Stock Option 2,600 17.25 44.9K 2,600
2006-01-10 HARNER WILLIAM R Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 COYLE THOMAS C G Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 COGSWELL MARGARET M Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 CHICCHIRICHI G GARY Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 BURNS J P JR Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 BOYD J SCOTT Director A-Award A Non Qualified Stock Option 1,363 17.25 23.5K 1,363
2006-01-10 BARONNER ROBERT F JR Director / Officer A-Award A Incentive Stock Option 5,000 17.25 86.3K 5,000
2005-11-16 SMITH DONALD S Director P-Purchase A Potomac Bancshares Inc Common Stock 600 17.50 10.5K 15,000
2005-10-06 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc. Common Stock 100 16.75 1.7K 17,245
2005-08-25 PICHOT BARBARA H Director P-Purchase A Potomac Bancshares Inc Common Stock 200 17.00 3.4K 2,960
2005-08-22 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc Common Stock 200 17.00 3.4K 1,100
2005-08-02 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 205 17.00 3.5K 8,625
2005-06-27 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 145 16.00 2.3K 17,145
2005-06-23 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 100 16.00 1.6K 8,420
2005-05-17 JOHNSON E WILLIAM Director P-Purchase A Potomac Bancshares Inc Common Stock 200 16.00 3.2K 5,850
2005-05-13 PICHOT BARBARA H Director J-Other A Potomac Bancshares Inc Common Stock 180 17.50 3.2K 2,760
2005-03-22 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc Common Stock 100 17.75 1.8K 900
2005-02-24 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc Common Stock 100 30.00 3.0K 400
2005-02-23 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancsharres Inc Common Stock 500 30.00 15.0K 8,500
2005-02-18 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc Common Stock 100 30.00 3.0K 300
2005-01-11 TOGANS CALVIN LARRY Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 SMITH DONALD S Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 SKINNER JOHN C JR Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 PICHOT BARBARA H Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 JOHNSON GAYLE M Officer A-Award A Incentive Stock Option 1,300 28.00 36.4K 1,300
2005-01-11 JOHNSON E WILLIAM Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 IRVIN DAVID W A-Award A Incentive Stock Option 1,300 28.00 36.4K 1,300
2005-01-11 HARNER WILLIAM R Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 COYLE THOMAS C G Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 COGSWELL MARGARET M Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 CHICCHIRICHI G GARY Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 BURNS J P JR Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 BOYD J SCOTT Director A-Award A Non Qualified Stock Option 681 28.00 19.1K 681
2005-01-11 BARONNER ROBERT F JR Director / Officer A-Award A Incentive Stock Option 2,500 28.00 70.0K 2,500
2004-12-30 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc Common Stock 100 28.00 2.8K 1,100
2004-12-28 TOGANS CALVIN LARRY Director P-Purchase A Potomac Bancshares Inc Common Stock 50 28.00 1.4K 100
2004-12-08 SKINNER JOHN C JR Director P-Purchase A Potomac Bancshares Inc Common Stock 1,000 28.00 28.0K 9,100
2004-09-01 BOYD J SCOTT Director P-Purchase A Potomac Bancshares Inc Common Stock 100 24.00 2.4K 200
2004-06-10 COYLE THOMAS C G Director P-Purchase A Potomac Bancshares Inc Common Stock 300 23.80 7.1K 5,370
2004-05-06 JOHNSON E WILLIAM Director P-Purchase A Potomac Bancshares Inc Common Stock 500 23.60 11.8K 2,825
2004-05-05 SKINNER JOHN C JR Director P-Purchase A Potomac Bancshares Inc Common Stock 2,067 23.25 48.1K 7,941
2004-05-05 CHICCHIRICHI G GARY Director P-Purchase A Potomac Bancshares Inc Common Stock 506 23.25 11.8K 8,000
2004-05-05 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc Common Stock 2,150 23.25 50.0K 11,338
2004-05-05 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 300 23.25 7.0K 4,160
2004-05-03 COGSWELL MARGARET M Director P-Purchase A Potomac Bancshares Inc Common Stock 100 23.30 2.3K 150
2004-04-30 PICHOT BARBARA H Director P-Purchase A Potomac Bancshares Inc Common Stock 1,000 23.25 23.3K 1,290
2004-03-12 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 100 23.00 2.3K 3,860
2004-03-10 SMITH DONALD S Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 SKINNER JOHN C JR Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 JOHNSON GAYLE M Officer A-Award A Incentive Stock Option 1,000 22.55 22.6K 1,000
2004-03-10 JOHNSON E WILLIAM Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 IRVIN DAVID W A-Award A Incentive Stock Option 1,000 22.55 22.6K 1,000
2004-03-10 HARNER WILLIAM R Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 COYLE THOMAS C G Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 COGSWELL MARGARET M Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 CHICCHIRICHI G GARY Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 BURNS J P JR Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 BOYD J SCOTT Director A-Award A Non Qualified Stock Option 666 22.55 15.0K 666
2004-03-10 BARONNER ROBERT F JR Director / Officer A-Award A Incentive Stock Option 2,000 22.55 45.1K 2,000
2004-03-09 TOGANS CALVIN LARRY Director D Potomac Bancshares Inc Common Stock 0 0.00 50
2004-03-09 PICHOT BARBARA H Director D Potomac Bancshares Inc Common Stock 0 0.00 290
2004-02-05 JOHNSON E WILLIAM Director P-Purchase A Potomac Bancshares Inc Common Stock 200 22.95 4.6K 2,325
2003-12-05 BURNS J P JR Director P-Purchase A Potomac Bancshares Inc Common Stock 635 23.00 14.6K 9,188
2003-11-26 BOYD J SCOTT Director 0 0.00 0
2003-09-11 BARONNER ROBERT F JR Director / Officer P-Purchase A Potomac Bancshares Inc Common Stock 200 22.50 4.5K 3,760
2003-08-08 COGSWELL MARGARET M Director D Potomac Bancshares Inc Common Stock 0 0.00 50
2003-07-08 CHICCHIRICHI G GARY Director 0 0.00 0

Executive team

Top executives
EBIT / Employee
123.7K
Shares Outstanding
4.14M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2010 Gayle Marshall Johnson * Senior Vice President and Chief Financial Officer and Chief Lending Officer 207.7K 28.3K 264.5K 0.00%
2 2009 Robert F. Baronner, Jr. President and Chief Executive Officer 207.6K 21.9K 227.3K 0.00%
3 2009 David W. Irvin Executive Vice President and Senior Lender 207.6K 21.9K 227.3K 0.00%
4 2009 Gayle Marshall Johnson Senior Vice President and Chief Financial Officer 207.6K 227.3K 0.00%
5 2008 Gayle Marshall Johnson Senior Vice President and Chief Financial Officer 201.7K 19.8K 265.1K 0.00%
6 2008 Robert F. Baronner, Jr. President and Chief Executive Officer 201.7K 265.1K 0.00%
7 2008 David W. Irvin Executive Vice President and Senior Lender 201.7K 265.1K 0.00%
8 2007 Robert F. Baronner, Jr. President and Chief Executive Officer 190.0K 2.5K 20.2K 257.1K 0.00%
9 2007 Gayle Marshall Johnson Senior Vice President and Chief Financial Officer 190.0K 2.5K 257.1K 0.00%
10 2007 David W. Irvin Executive Vice President and Senior Lender 81.5K 8.5K 7.2K 163.6K 0.00%
11 2006 Robert F. Baronner, Jr. President and Chief Executive Officer 175.0K 12.3K 243.7K 0.00%
12 2006 and Senior Lender 100.0K 10.5K 41.9K 4.2K 177.4K 0.00%
13 2006 Executive Vice President and Senior Lender 100.0K 10.5K 41.9K 4.2K 177.4K 0.00%
14 2006 Senior Vice President and Chief Financial Officer 78.0K 15.0K 1.0K 2.7K 132.9K 0.00%
15 2006 and Chief Financial Officer 78.0K 15.0K 1.0K 2.7K 132.9K 0.00%
16 2006 David W. Irvin Executive Vice President and Senior Lender 78.0K 15.0K 132.9K 0.00%
17 2004 Robert F. Baronner, Jr. President and Chief Executive Officer 147.3K 24.3K 171.5K 0.00%
18 2004 David W. Irvin Senior Vice President and Commercial Loan 81.3K 86.8K 168.1K 0.00%
19 2003 Robert F. Baronner, Jr. President and Chief Executive Officer 137.0K 20.4K 157.4K 0.00%
20 2003 David W. Irvin Senior Vice President and Commercial Loan 77.2K 52.5K 129.6K 0.00%
21 2003 Robert F. Baronner, Jr. President and Chief Executive Officer
22 2002 Robert F. Baronner, Jr. President and Chief Executive Officer 126.5K 20.9K 147.4K 0.00%
23 2002 David W. Irvin Senior Vice President and Commercial Loan 74.6K 65.0K 139.6K 0.00%
24 2002 Robert F. Baronner, Jr. President and Chief Executive Officer
25 2001 Robert F. Baronner, Jr. President and Chief Executive Officer
26 2000 William R. Harner Senior Vice President and Cashier (Acting CEO June — December 2000)* 73.7K 73.7K 0.00%
27 2000 Charles W. LeMaster (CEO until June 2000)* David W. Irwin Senior Vice President and Commercial Loan Division Manager 60.2K 60.2K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2012-04-03 DEF 14A
2011-04-06 DEF 14A
2010-04-05 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2020-09-28 D
2012-08-13 15-12G
2012-08-08 8-K
2012-07-23 NO ACT
2012-07-23 NO ACT
2012-06-26 4
2012-06-20 4
2012-06-07 S-8 POS
2012-05-18 4
2012-05-17 8-K

Executive team

NameTitleCompensationGender
Alice Poutasse Frazier President, Chief Executive Officer & Director female
Leslie D. Crabill EVP & Director of Wealth & Investments female
Raymond F. Goodrich Executive Vice President & Chief Lending Officer male
Ronald Burley Executive Vice President & Chief Retail Banking Officer male
Shane Bell Executive Vice President, Secretary & Chief Financial Officer male
Stephen Cowen Senior Vice President and Director Of Mortgage Banking male
ESG Rating
B
BANKS - REGIONAL
2008
E (Environmental)
66.5 / 64.3
Company / Sector avg.
S (Social)
70.4 / 76.5
Company / Sector avg.
G (Governance)
66.3 / 75.5
Company / Sector avg.
ESG Total
67.7 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits