Reviewing Bank of the James Financial Group (BOTJ) & Its Rivals

Bank of the James Financial Group (NASDAQ:BOTJ) is one of 919 public companies in the “Banks” industry, but how does it contrast to its competitors? We will compare Bank of the James Financial Group to related companies based on the strength of its risk, profitability, analyst recommendations, earnings, valuation, institutional ownership and dividends.

Profitability

This table compares Bank of the James Financial Group and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank of the James Financial Group	18.28%	14.80%	1.15%
Bank of the James Financial Group Competitors	15.63%	9.41%	0.93%

Analyst Recommendations

This is a breakdown of current recommendations for Bank of the James Financial Group and its competitors, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of the James Financial Group	0	0	1	0	3.00
Bank of the James Financial Group Competitors	7494	30253	27859	1490	2.35

As a group, “Banks” companies have a potential upside of 14.24%. Given Bank of the James Financial Group’s competitors higher probable upside, analysts plainly believe Bank of the James Financial Group has less favorable growth aspects than its competitors.

Valuation & Earnings

This table compares Bank of the James Financial Group and its competitors revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Bank of the James Financial Group	$62.51 million	$9.02 million	9.58
Bank of the James Financial Group Competitors	$63.01 billion	$2.42 billion	21.36

Bank of the James Financial Group’s competitors have higher revenue and earnings than Bank of the James Financial Group. Bank of the James Financial Group is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Risk and Volatility

Bank of the James Financial Group has a beta of 0.19, suggesting that its stock price is 81% less volatile than the S&P 500. Comparatively, Bank of the James Financial Group’s competitors have a beta of 0.61, suggesting that their average stock price is 39% less volatile than the S&P 500.

Dividends

Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. Bank of the James Financial Group pays out 15.1% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 8.9% and pay out 28.9% of their earnings in the form of a dividend. Bank of the James Financial Group has raised its dividend for 5 consecutive years.

Institutional & Insider Ownership

18.5% of Bank of the James Financial Group shares are owned by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are owned by institutional investors. 11.9% of Bank of the James Financial Group shares are owned by insiders. Comparatively, 9.7% of shares of all “Banks” companies are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Bank of the James Financial Group competitors beat Bank of the James Financial Group on 8 of the 15 factors compared.

Bank of the James Financial Group Company Profile

Bank of the James Financial Group, Inc. is a bank holding company headquartered in Lynchburg, Virginia. Through its principal subsidiary, Bank of the James, the company provides community banking services to individuals, businesses and organizations in Central Virginia and surrounding markets. Bank of the James offers deposit accounts, commercial and residential real estate lending, consumer loans, business loans, mortgage services and other traditional banking products. The bank also provides treasury management and cash-management services designed to support commercial customers, along with online and mobile banking capabilities for personal and business clients.