Potomac Bancshares, Inc. (PTBS)
Charles Town, WV, US
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -4.50% | -4.46% | +6.33% | +5.95% | +8.75% | +11.23% | +29.63% | +31.25% | +55.56% | +121.05% | +295.48% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
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Revenue growth+14.4% Q1'26: +19.8% (vs Q1'25)
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EPS growth+30.9% Q1'26: +37.7% (vs Q1'25)
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FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +25.9% (vs Q1'25)
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ROIC— Q1'26: +10.3% (vs Q1'25)
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Share dilution0.0% Q1'26: +0.0% (vs Q1'25)
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Debt / EBITDA— Q1'26: 2.52× (vs Q1'25)
* 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.
| 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
Ownership Overview
No beneficial ownership filings recorded.
Institutional Activity (13F)
| # | 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 — |
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
| 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
Executive compensation
| # | 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% | ↗ |
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| 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 |
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Community Opinion for PTBS
Short-term intention
Target Price Distribution
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.

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