Bank of the James Financial Group (BOTJ) Competitors

Pathfinder Bancorp (NASDAQ:PBHC) and Bank of the James Financial Group (NASDAQ:BOTJ) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, dividends, risk, earnings, analyst recommendations, valuation, media sentiment, institutional ownership and community ranking.

Which has better earnings and valuation, PBHC or BOTJ?

Pathfinder Bancorp has 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 Pathfinder Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pathfinder Bancorp	$72.85M	0.83	$9.29M	$1.42	8.98
Bank of the James Financial Group	$52.23M	0.95	$8.70M	$1.95	5.54

Is PBHC or BOTJ a better dividend stock?

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 3.1%. Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 3.7%. Pathfinder Bancorp pays out 28.2% of its earnings in the form of a dividend. Bank of the James Financial Group pays out 20.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Pathfinder Bancorp has increased its dividend for 4 consecutive years and Bank of the James Financial Group has increased its dividend for 5 consecutive years. Bank of the James Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media prefer PBHC or BOTJ?

In the previous week, Pathfinder Bancorp had 2 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 3 mentions for Pathfinder Bancorp and 1 mentions for Bank of the James Financial Group. Pathfinder Bancorp's average media sentiment score of 1.87 beat Bank of the James Financial Group's score of 0.82 indicating that Bank of the James Financial Group is being referred to more favorably in the news media.

Company	Overall Sentiment
Pathfinder Bancorp	Positive
Bank of the James Financial Group	Very Positive

Which has more volatility & risk, PBHC or BOTJ?

Pathfinder Bancorp has a beta of 0.21, suggesting that its share price is 79% less volatile than the S&P 500. Comparatively, Bank of the James Financial Group has a beta of 0.76, suggesting that its share price is 24% less volatile than the S&P 500.

Does the MarketBeat Community favor PBHC or BOTJ?

Pathfinder Bancorp received 38 more outperform votes than Bank of the James Financial Group when rated by MarketBeat users. Likewise, 63.10% of users gave Pathfinder Bancorp an outperform vote while only 62.50% of users gave Bank of the James Financial Group an outperform vote.

Company	Underperform	Outperform
Pathfinder Bancorp	Outperform Votes 118 63.10%	Underperform Votes 69 36.90%
Bank of the James Financial Group	Outperform Votes 80 62.50%	Underperform Votes 48 37.50%

Do analysts recommend PBHC or BOTJ?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathfinder Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
Bank of the James Financial Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Do insiders & institutionals believe in PBHC or BOTJ?

26.7% of Pathfinder Bancorp shares are owned by institutional investors. Comparatively, 18.5% of Bank of the James Financial Group shares are owned by institutional investors. 22.4% of Pathfinder Bancorp shares are owned by insiders. Comparatively, 15.3% of Bank of the James Financial Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Is PBHC or BOTJ more profitable?

Bank of the James Financial Group has a net margin of 16.45% compared to Bank of the James Financial Group's net margin of 11.50%. Pathfinder Bancorp's return on equity of 15.86% beat Bank of the James Financial Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	11.50%	7.47%	0.62%
Bank of the James Financial Group	16.45%	15.86%	0.92%

Summary

Bank of the James Financial Group beats Pathfinder Bancorp on 10 of the 18 factors compared between the two stocks.