Potomac Bancshares, Inc.
PTBS
Rank in Stocks
#19331
Potomac Bancshares, Inc. serves as the parent company for Bank of Charles Town,... 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.
Share Price
$26.31
Last synced: 2026-11-09
Market Cap
$109.04M
Change (1 day)
-0.08%
Change (1 year)
38.40%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade Potomac Bancshares, Inc. (PTBS)
Category
Financial Services
Operating Margin for Potomac Bancshares, Inc. (PTBS)
Operating Margin as of November 2026 TTM: 24.19%
According to Potomac Bancshares, Inc.'s latest financial reports, its current operating margin (TTM) is 24.19%. At the end of 2025 the company had an operating margin of 21.35%.
Operating Margin history for Potomac Bancshares, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 24.19% | 13.30% |
| 2025 | 21.35% | 14.23% |
| 2024 | 18.69% | -19.02% |
| 2023 | 23.08% | -21.55% |
| 2022 | 29.42% | -12.65% |
| 2021 | 33.68% | 83.54% |
| 2020 | 18.35% | 10.21% |
| 2019 | 16.65% | -17.74% |
| 2018 | 20.24% | -29.38% |
| 2017 | 28.66% | 52.85% |
| 2016 | 18.75% | -20.35% |
| 2015 | 23.54% | 16.59% |
| 2014 | 20.19% | -10.66% |
| 2013 | 22.60% | 26.97% |
| 2012 | 17.80% | -233.43% |
| 2011 | -13.34% | -196.95% |
| 2010 | 13.76% | -171.85% |
| 2009 | -19.15% | -253.20% |
| 2008 | 12.50% | -45.60% |
| 2007 | 22.98% | -17.13% |
| 2006 | 27.73% | -9.20% |
| 2005 | 30.54% | -3.51% |
| 2004 | 31.65% | 5.08% |
| 2003 | 30.12% | 4.19% |
| 2002 | 28.91% | 12.14% |
| 2001 | 25.78% | 3.16% |
| 2000 | 24.99% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -97.76% |
CN
|
|
| 57.52% | -97.62% |
IT
|
|
| 21.82% | -99.10% |
IN
|
|
| 26.74% | -98.89% |
IN
|
|
| 20.55% | -99.15% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about Potomac Bancshares, Inc.'s operating margin
What is Potomac Bancshares, Inc.'s operating margin?
Potomac Bancshares, Inc.'s operating margin is 24.19%, as of Nov 2026.
What was Potomac Bancshares, Inc.'s operating margin in 2025?
In 2025, Potomac Bancshares, Inc.'s operating margin was 21.35%, compared with 18.69% in 2024.
How has Potomac Bancshares, Inc.'s operating margin changed since 2020?
From 2020 to 2025, Potomac Bancshares, Inc.'s operating margin was highest in 2021 (33.68%) and lowest in 2020 (18.35%).
How does Potomac Bancshares, Inc.'s operating margin compare with similar companies?
Potomac Bancshares, Inc.'s operating margin (24.19%) is higher than that of 2 of the 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.