Compare Stocks: BOTJ, PDLB, FMAO, and CZNC

Comparative Price Performance Over Time

Compare Price & Volume

Company	Current Price	50-Day Moving Average	52-Week Range	Market Cap	Beta	Avg. Volume	Today's Volume
BOTJ Bank of the James Financial Group	$26.99 -0.6%	$27.21	$14.44 ▼ $29.79	$122.51M	0.19	19,852 shs	7,313 shs
CZNC Citizens & Northern	$25.02 -1.0%	$25.64	$18.87 ▼ $26.37	$448.64M	0.41	54,520 shs	22,105 shs
FMAO Farmers & Merchants Bancorp	$34.59 -2.0%	$34.78	$22.77 ▼ $36.12	$476.41M	0.81	63,280 shs	6,622 shs
PDLB Ponce Financial Group	$20.05 -0.7%	$20.35	$13.91 ▼ $21.10	$484.97M	0.72	73,768 shs	12,633 shs

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Compare Price Performance

Company	1-Day Performance	7-Day Performance	30-Day Performance	90-Day Performance	1-Year Performance
BOTJ Bank of the James Financial Group	+0.30%	-0.15%	-3.52%	+6.47%	+71.84%
CZNC Citizens & Northern	+0.28%	+0.32%	-2.09%	+10.59%	+29.39%
FMAO Farmers & Merchants Bancorp	+1.17%	+1.15%	+1.32%	+18.41%	+40.23%
PDLB Ponce Financial Group	+0.55%	+0.55%	-0.69%	+1.46%	+38.86%

Compare Price & Volume

Company	Current Price	50-Day Moving Average	52-Week Range	Market Cap	Beta	Avg. Volume	Today's Volume
BOTJ Bank of the James Financial Group	$26.99 -0.6%	$27.21	$14.44 ▼ $29.79	$122.51M	0.19	19,852 shs	7,313 shs
CZNC Citizens & Northern	$25.02 -1.0%	$25.64	$18.87 ▼ $26.37	$448.64M	0.41	54,520 shs	22,105 shs
FMAO Farmers & Merchants Bancorp	$34.59 -2.0%	$34.78	$22.77 ▼ $36.12	$476.41M	0.81	63,280 shs	6,622 shs
PDLB Ponce Financial Group	$20.05 -0.7%	$20.35	$13.91 ▼ $21.10	$484.97M	0.72	73,768 shs	12,633 shs

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Compare Price Performance

Company	1-Day Performance	7-Day Performance	30-Day Performance	90-Day Performance	1-Year Performance
BOTJ Bank of the James Financial Group	+0.30%	-0.15%	-3.52%	+6.47%	+71.84%
CZNC Citizens & Northern	+0.28%	+0.32%	-2.09%	+10.59%	+29.39%
FMAO Farmers & Merchants Bancorp	+1.17%	+1.15%	+1.32%	+18.41%	+40.23%
PDLB Ponce Financial Group	+0.55%	+0.55%	-0.69%	+1.46%	+38.86%

Compare Analyst Forecasts

Company	Consensus Rating Score	Consensus Rating	Consensus Price Target	% Upside from Current Price
BOTJ Bank of the James Financial Group	3.00	Buy	N/A	N/A
CZNC Citizens & Northern	2.25	Hold	$23.50	-6.06% Downside
FMAO Farmers & Merchants Bancorp	2.25	Hold	$32.25	-6.76% Downside
PDLB Ponce Financial Group	3.00	Buy	$24.00	19.70% Upside

Current Analyst Ratings Breakdown

Latest BOTJ, PDLB, FMAO, and CZNC Analyst Ratings

Date	Company	Brokerage	Action	Rating	Price Target
9/29/2026	FMAO Farmers & Merchants Bancorp	Zacks Research Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Downgrade	Strong-Buy ➝ Hold
9/24/2026	BOTJ Bank of the James Financial Group	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Upgrade	Buy (B) ➝ Buy (B+)
9/14/2026	FMAO Farmers & Merchants Bancorp	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Reiterated Rating	Buy (B)
8/17/2026	BOTJ Bank of the James Financial Group	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Upgrade	Hold (C) ➝ Buy (B)
8/11/2026	CZNC Citizens & Northern	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Upgrade	Hold (C+) ➝ Buy (B)
8/7/2026	PDLB Ponce Financial Group	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Reiterated Rating	Buy (B+)
7/29/2026	FMAO Farmers & Merchants Bancorp	Piper Sandler Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Reiterated Rating	Neutral	$32.00 ➝ $36.00
7/29/2026	FMAO Farmers & Merchants Bancorp	Zacks Research Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Upgrade	Hold ➝ Strong-Buy
7/24/2026	CZNC Citizens & Northern	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Upgrade	Hold (C) ➝ Hold (C+)
7/20/2026	PDLB Ponce Financial Group	Zacks Research Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Downgrade	Strong-Buy ➝ Hold
7/17/2026	BOTJ Bank of the James Financial Group	Weiss Ratings Subscribe to MarketBeat All Access for the firm's recommendation accuracy rating	Reiterated Rating	Hold (C)

(Data available from 10/9/2023 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Compare Sales & Book Value

Company	Annual Revenue	Price/Sales	Cashflow	Price/Cash	Book Value	Price/Book
BOTJ Bank of the James Financial Group	$62.51M	1.96	$2.44 per share	11.06	$17.62 per share	1.53
CZNC Citizens & Northern	$140.31M	3.20	$1.86 per share	13.44	$19.19 per share	1.30
FMAO Farmers & Merchants Bancorp	$126.49M	3.77	$2.75 per share	12.60	$26.97 per share	1.28
PDLB Ponce Financial Group	$119.43M	4.06	$1.39 per share	14.40	$13.19 per share	1.52

Compare Profitability & Earnings

Company	Net Income	EPS	Trailing P/E Ratio	Forward P/E Ratio	P/E Growth	Net Margins	Return on Equity (ROE)	Return on Assets (ROA)	Next Earnings Date
BOTJ Bank of the James Financial Group	$9.02M	$2.53	10.67	N/A	N/A	17.72%	14.30%	1.10%	N/A
CZNC Citizens & Northern	$23.43M	$1.48	16.90	9.10	N/A	13.28%	9.54%	1.04%	10/22/2026 (Estimated)
FMAO Farmers & Merchants Bancorp	$33.31M	$2.91	11.89	10.88	N/A	20.27%	10.72%	1.16%	10/26/2026 (Estimated)
PDLB Ponce Financial Group	$28.70M	$1.40	14.32	11.33	N/A	16.51%	10.52%	1.02%	10/23/2026 (Estimated)

Latest BOTJ, PDLB, FMAO, and CZNC Earnings

Date	Quarter	Company	Consensus Estimate	Reported EPS	Beat/Miss	Gap EPS	Revenue Estimate	Actual Revenue
10/26/2026	Q3 2026	FMAO Farmers & Merchants Bancorp	$0.8030	N/A	N/A	N/A	$34.65 million	N/A
10/23/2026	Q3 2026	PDLB Ponce Financial Group	$0.52	N/A	N/A	N/A	$31.80 million	N/A
10/22/2026	Q3 2026	CZNC Citizens & Northern	$0.68	N/A	N/A	N/A	$37.20 million	N/A
8/7/2026	Q2 2026	CZNC Citizens & Northern	$0.63	$0.79	+$0.16	$0.79	$38.60 million	$39.65 million
7/30/2026	Q2 2026	BOTJ Bank of the James Financial Group	N/A	$0.71	N/A	$0.71	N/A	$13.73 million
7/27/2026	Q2 2026	FMAO Farmers & Merchants Bancorp	$0.6730	$0.86	+$0.1870	$0.86	$33.05 million	$34.35 million
7/27/2026	Q2 2026	PDLB Ponce Financial Group	$0.37	$0.35	-$0.02	$0.35	$30.90 million	$31.59 million
7/23/2026	Q2 2026	CZNC Citizens & Northern	$0.63	$0.79	+$0.16	$0.79	$36.50 million	$39.70 million

Compare Dividends

Company	Annual Payout	Dividend Yield	5-Year Annualized Dividend Growth	Payout Ratio	Years of Consecutive Growth
BOTJ Bank of the James Financial Group	$0.40	1.47%	+9.86%	15.81%	5 Years
CZNC Citizens & Northern	$1.12	4.43%	+0.73%	75.68%	N/A
FMAO Farmers & Merchants Bancorp	$0.96	2.72%	+6.40%	32.99%	19 Years
PDLB Ponce Financial Group	N/A	N/A	N/A	N/A	N/A

Latest BOTJ, PDLB, FMAO, and CZNC Dividends

Announcement	Company	Period	Amount	Yield	Ex-Dividend Date	Record Date	Payable Date
9/29/2026	FMAO Farmers & Merchants Bancorp	special	$0.01		10/9/2026	10/9/2026	10/20/2026
7/28/2026	BOTJ Bank of the James Financial Group	quarterly	$0.10	1.48%	8/21/2026	8/21/2026	9/4/2026
7/23/2026	CZNC Citizens & Northern	quarterly	$0.28	4.43%	8/3/2026	8/3/2026	8/14/2026

(Data available from 1/1/2013 forward)

Compare Debt

Company	Debt-to-Equity Ratio	Current Ratio	Quick Ratio
BOTJ Bank of the James Financial Group	N/A	0.78	0.77
CZNC Citizens & Northern	0.45	0.91	0.91
FMAO Farmers & Merchants Bancorp	0.44	0.96	0.96
PDLB Ponce Financial Group	1.85	1.34	1.34

Compare Ownership

Institutional Ownership

Company	Institutional Ownership
BOTJ Bank of the James Financial Group	18.50%
CZNC Citizens & Northern	30.83%
FMAO Farmers & Merchants Bancorp	23.96%
PDLB Ponce Financial Group	64.35%

Insider Ownership

Company	Insider Ownership
BOTJ Bank of the James Financial Group	11.93%
CZNC Citizens & Northern	4.72%
FMAO Farmers & Merchants Bancorp	7.30%
PDLB Ponce Financial Group	7.20%

Compare Miscellaneous Stats

Company	Employees	Shares Outstanding	Free Float	Optionable
BOTJ Bank of the James Financial Group	175	4.54 million	4.00 million	Not Optionable
CZNC Citizens & Northern	460	17.94 million	17.09 million	Optionable
FMAO Farmers & Merchants Bancorp	477	13.77 million	12.77 million	Optionable
PDLB Ponce Financial Group	216	24.19 million	22.45 million	Not Optionable

BOTJ, PDLB, FMAO, and CZNC Headlines

Recent News About These Companies

Ponce Financial Group (NASDAQ:PDLB) Stock Price Down 0.3% - What's Next?

September 30, 2026 | marketbeat.com

Ponce Financial Group: Potential Preferred Stock Repurchase Makes It Look More Interesting

September 22, 2026 | seekingalpha.com

Ponce Financial Group, Inc. $PDLB Shares Sold by Empirical Finance LLC

September 9, 2026 | marketbeat.com

Ponce Bank Welcomes José L. Orengo and Edward Delatorre Jr. to Its Board of Directors

July 27, 2026 | globenewswire.com

Ponce Financial (PDLB) Q2 Earnings Lag Estimates

July 27, 2026 | zacks.com

Ponce Financial Group Reports Second Quarter 2026 Net Income of $8.2 Million and Strong Loan and Deposit Growth

July 27, 2026 | quiverquant.comQ

Ponce Financial Group, Inc. Reports Second Quarter 2026 Results

July 27, 2026 | globenewswire.com

Ponce Financial Group Stock Short Interest Report | NASDAQ:PDLB | Benzinga

July 25, 2026 | benzinga.com

Ponce Financial (PDLB) Is a Great Choice for 'Trend' Investors, Here's Why

July 15, 2026 | zacks.com

Ponce Financial Group Remains Compelling Even After Its Impressive Rise

July 12, 2026 | seekingalpha.com

Here's Why Momentum in Ponce Financial (PDLB) Should Keep going

June 29, 2026 | zacks.com

Ponce Financial Highlights Growth and Governance at Annual Meeting

June 12, 2026 | tipranks.com

Ponce Financial (PDLB) is on the Move, Here's Why the Trend Could be Sustainable

May 27, 2026 | zacks.com

Best Momentum Stock to Buy for May 26th

May 26, 2026 | zacks.com

Ponce Financial (PDLB) Surpasses Q1 Earnings and Revenue Estimates

April 24, 2026 | zacks.com

Ponce Financial Group, Inc. Reports First Quarter 2026 Results

April 24, 2026 | globenewswire.com

Ponce Financial Group's Quality Shines Through (Upgrade)

April 21, 2026 | seekingalpha.com

Ponce Bank Ranked Among Top 50 Best-Performing U.S. Community Banks by S&P Global Market Intelligence

April 3, 2026 | globenewswire.com

Ponce Financial Adds Marlene Cintron to Board Leadership

March 31, 2026 | tipranks.com

Ponce Financial Group, Inc. Appoints New Member to the Board of Directors

March 30, 2026 | globenewswire.com

Ponce Financial Group: Solid Base Case But Ample List Of Bear Cases

February 4, 2026 | seekingalpha.com

New MarketBeat Followers Over Time

Media Sentiment Over Time

BOTJ, PDLB, FMAO, and CZNC Company Descriptions

Bank of the James Financial Group NASDAQ:BOTJ

$26.98 -0.18 (-0.64%)

As of 01:55 PM Eastern

Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also provides loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it offers other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company provides mortgage banking; investment advisory services; securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. The company was founded in 1999 and is headquartered in Lynchburg, Virginia.

Citizens & Northern NASDAQ:CZNC

$25.02 -0.26 (-1.01%)

As of 01:57 PM Eastern

Citizens & Northern Corp. is a holding company, which engages in community banking. It provides a full range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. The firm's lending products include mortgage loans, commercial loans, and consumer loans. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposit. The company was founded in 1864 and is headquartered in Wellsboro, PA.

Farmers & Merchants Bancorp NASDAQ:FMAO

$34.59 -0.72 (-2.04%)

As of 01:53 PM Eastern

Farmers & Merchants Bancorp, Inc. is a bank holding company, which engages in the provision of commercial banking, retail banking, and financial services. It includes commercial, agricultural, and residential mortgages as well as consumer and credit card lending activities. The firm also offers checking account services, and savings and time deposit services. The company was founded in 1985 and is headquartered in Archbold, OH.

Ponce Financial Group NASDAQ:PDLB

$20.05 -0.14 (-0.69%)

As of 01:58 PM Eastern

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It offers various deposit products, including demand accounts, NOW/IOLA, money market, reciprocal deposits, savings accounts, and certificates of deposit to individuals, business entities, and non-profit organizations, as well as individual retirement accounts. The company also provides real estate-secured loans, which includes one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans, as well as lines of credit. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.

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Compare Stocks

Comparative Price Performance Over Time

Compare Price & Volume

Compare Price Performance

Compare Price & Volume

Compare Price Performance

Compare Analyst Forecasts

Current Analyst Ratings Breakdown

Latest BOTJ, PDLB, FMAO, and CZNC Analyst Ratings

Compare Sales & Book Value

Compare Profitability & Earnings

Latest BOTJ, PDLB, FMAO, and CZNC Earnings

Compare Dividends

Latest BOTJ, PDLB, FMAO, and CZNC Dividends

Compare Debt

Compare Ownership

Institutional Ownership

Insider Ownership

Compare Miscellaneous Stats

BOTJ, PDLB, FMAO, and CZNC Headlines

Recent News About These Companies

New MarketBeat Followers Over Time

Media Sentiment Over Time

BOTJ, PDLB, FMAO, and CZNC Company Descriptions

Bank of the James Financial Group NASDAQ:BOTJ

Citizens & Northern NASDAQ:CZNC

Farmers & Merchants Bancorp NASDAQ:FMAO

Ponce Financial Group NASDAQ:PDLB

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Compare Stocks

Comparative Price Performance Over Time

Compare Price & Volume

Compare Price Performance

Compare Price & Volume

Compare Price Performance

Compare Analyst Forecasts

Current Analyst Ratings Breakdown

Latest BOTJ, PDLB, FMAO, and CZNC Analyst Ratings

Compare Sales & Book Value

Compare Profitability & Earnings

Latest BOTJ, PDLB, FMAO, and CZNC Earnings

Compare Dividends

Latest BOTJ, PDLB, FMAO, and CZNC Dividends

Compare Debt

Compare Ownership

Institutional Ownership

Insider Ownership

Compare Miscellaneous Stats

BOTJ, PDLB, FMAO, and CZNC Headlines

Recent News About These Companies

New MarketBeat Followers Over Time

Media Sentiment Over Time

BOTJ, PDLB, FMAO, and CZNC Company Descriptions

Bank of the James Financial Group NASDAQ:BOTJ

Citizens & Northern NASDAQ:CZNC

Farmers & Merchants Bancorp NASDAQ:FMAO

Ponce Financial Group NASDAQ:PDLB

More Stock Comparisions from MarketBeat

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