Stephen Cowen - Potomac Bancshares VP Banking

PTBS Stock

USD 16.50 1.33 8.77%

Insider

Stephen Cowen is VP Banking of Potomac Bancshares

Phone	304 725 8431
Web	https://www.mybct.com

Potomac Bancshares Management Efficiency

Potomac Bancshares' management efficiency ratios could be used to measure how well Potomac Bancshares manages its routine affairs as well as how well it operates its assets and liabilities.

Compare Potomac Bancshares to Peers

Predict price of Potomac Bancshares

Potomac Bancshares currently holds 18.68 M in liabilities. Debt can assist Potomac Bancshares until it has trouble settling it off, either with new capital or with free cash flow. So, Potomac Bancshares' shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Potomac Bancshares sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Potomac to invest in growth at high rates of return. When we think about Potomac Bancshares' use of debt, we should always consider it together with cash and equity.

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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 was founded in 1871 and is based in Charles Town, West Virginia. Potomac Bancshares operates under BanksRegional classification in the United States and is traded on OTC Exchange. Potomac Bancshares [PTBS] is a Pink Sheet which is traded between brokers as part of OTC trading.

Management Performance

	Return On Equity	0.0709
	Return On Asset	0.0067

Potomac Bancshares Leadership Team

Elected by the shareholders, the Potomac Bancshares' board of directors comprises two types of representatives: Potomac Bancshares inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Potomac. The board's role is to monitor Potomac Bancshares' management team and ensure that shareholders' interests are well served. Potomac Bancshares' inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Potomac Bancshares' outside directors are responsible for providing unbiased perspectives on the board's policies.

	Dean Cognetti, CFO, Sr. VP and Member of Asset/Liability/Investment Management Committee
	Raymond Goodrich, Ex Officer
	Alice Frazier, President CEO
	Stephen Cowen, VP Banking

Potomac Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right pink sheet is not an easy task. Is Potomac Bancshares a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

	Return On Equity	0.0709
	Return On Asset	0.0067
	Profit Margin	0.25 %
	Operating Margin	0.33 %
	Current Valuation	76.48 M
	Shares Outstanding	4.13 M
	Shares Owned By Institutions	5.04 %
	Price To Earning	18.50 X
	Price To Book	0.83 X
	Price To Sales	2.40 X

Thematic Opportunities

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Additional Tools for Potomac Pink Sheet Analysis

When running Potomac Bancshares' price analysis, check to measure Potomac Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Potomac Bancshares is operating at the current time. Most of Potomac Bancshares' value examination focuses on studying past and present price action to predict the probability of Potomac Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Potomac Bancshares' price. Additionally, you may evaluate how the addition of Potomac Bancshares to your portfolios can decrease your overall portfolio volatility.

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