7 Points When Buying or Selling a Business

May 12, 2026
This Small Business Month, Potomac Bank is proud to continue sharing practical insights and real-world perspectives for current and future business owners across our communities.
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Earlier this Spring, our Potomac Bank Signature Series returned with two sessions in Loudoun County, Virginia, and the Eastern Panhandle of West Virginia focused on one of the biggest decisions a business owner can face: buying or selling a business. Guests heard from experienced business owners, investors, and advisors including Mike Flickinger, Matt Lowers, JT Carradice, Ray Steen, and Paul Weise as they discussed lessons learned, opportunities, challenges, and strategies surrounding business transitions and negotiations.

As part of the discussion, Seekye Capital co-founders JT Carradice and Matthew Lowers shared seven important points business owners should consider when preparing to buy or sell a business. From understanding your financials to maximizing long-term value, these takeaways offered practical guidance for businesses at every stage.

We’re proud to deliver meaningful, relevant content to the clients and communities we serve as they plan for 2026 and beyond.

7 Points When Buying or Selling a Business

  1. Always run your business like it’s on the market.
    Be sure your customer portfolio is diversified so the majority of your revenue does not rely on one or two customers.
  2. Don’t throw money at marketing without ROI.
    Make strategic decisions with your marketing dollars and focus on investments that provide measurable value and growth opportunities.
  3. Ensure your financial statements are clean.
    Buyers want to understand whether a business is truly viable and scalable. Strong bookkeeping and financial management are essential.
  4. Avoid selling during a bad year.
    Businesses are often more attractive to buyers after periods of strong performance and growth.
  5. Talk to business brokers and competitors regularly.
    Stay informed and prepared so you are ready if an opportunity or need to sell arises unexpectedly.
  6. Maximize your multiple.
    Understand your EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) and how the market values your operating performance and profitability.
  7. Understand your end goal.
    Know what success looks like for you, whether it’s long-term stability, ongoing payments, or a lump-sum sale. Clear goals help shape better negotiations and outcomes.

Potomac Bank 2026 Signature Series: Buying or Selling Your Business
Presentation from Seekye Capital co-founders JT Carradice and Matthew Lowers

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About the Company

Potomac Bank, Inc., a wholly owned subsidiary of Potomac Bancshares, Inc., was founded in 1871 as Bank of Charles Town and renamed Potomac Bank on November 3, 2025. The Company’s total assets were $976 million as of March 31, 2026. The Bank conducts operations through its nine-branch network and one loan production office serving the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia. The Bank offers comprehensive financial solutions through its consumer and commercial banking divisions, Trust, Wealth, and BCT Investments divisions, and its Residential Lending mortgage division. The Bank is also proud to serve its communities as a Small Business Administration (SBA) Preferred Lender. Over the past several years, the Bank has received numerous awards and recognitions, including American Banker’s “Top 200 Community Banks” and “Best Banks to Work For”, the Journal-News “Best of the Best” award, and the LoudounNow “Loudoun’s Favorite” award. 

The Company's shares are quoted on the OTCID marketplace under the symbol "PTBS." For more information about the Bank, please visit our website at www.potomac.bank.

Media Contact
Bryan Decker
SVP, Director of Marketing and Communications
[email protected]