Bank of the James Financial Group (BOTJ) Competitors

Bank of the James Financial Group (NASDAQ:BOTJ) and Orange County Bancorp (NASDAQ:OBT) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, analyst recommendations, media sentiment, profitability, dividends, community ranking, earnings, risk and institutional ownership.

Which has better valuation & earnings, BOTJ or OBT?

Orange County 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 Orange County 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
Bank of the James Financial Group	$43.56M	1.45	$7.94M	$1.46	9.48
Orange County Bancorp	$107.63M	2.82	$27.88M	$2.47	10.79

Which has more volatility and risk, BOTJ or OBT?

Bank of the James Financial Group has a beta of 0.43, indicating that its share price is 57% less volatile than the S&P 500. Comparatively, Orange County Bancorp has a beta of 0.46, indicating that its share price is 54% less volatile than the S&P 500.

Do analysts prefer BOTJ or OBT?

Orange County Bancorp has a consensus target price of $35.50, suggesting a potential upside of 33.21%. Given Orange County Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe Orange County Bancorp is more favorable than Bank of the James Financial Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of the James Financial Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Orange County Bancorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Does the media favor BOTJ or OBT?

In the previous week, Orange County Bancorp had 1 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 5 mentions for Orange County Bancorp and 4 mentions for Bank of the James Financial Group. Bank of the James Financial Group's average media sentiment score of 1.17 beat Orange County Bancorp's score of 1.10 indicating that Bank of the James Financial Group is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bank of the James Financial Group	1 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Orange County Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do insiders and institutionals have more ownership in BOTJ or OBT?

18.5% of Bank of the James Financial Group shares are held by institutional investors. Comparatively, 42.5% of Orange County Bancorp shares are held by institutional investors. 15.4% of Bank of the James Financial Group shares are held by company insiders. Comparatively, 9.3% of Orange County Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Is BOTJ or OBT more profitable?

Orange County Bancorp has a net margin of 19.47% compared to Bank of the James Financial Group's net margin of 13.29%. Orange County Bancorp's return on equity of 15.51% beat Bank of the James Financial Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank of the James Financial Group	13.29%	12.48%	0.80%
Orange County Bancorp	19.47%	15.51%	1.12%

Is BOTJ or OBT a better dividend stock?

Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 2.9%. Orange County Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 2.0%. Bank of the James Financial Group pays out 27.4% of its earnings in the form of a dividend. Orange County Bancorp pays out 21.1% 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.

Does the MarketBeat Community favor BOTJ or OBT?

Bank of the James Financial Group received 72 more outperform votes than Orange County Bancorp when rated by MarketBeat users. Likewise, 62.50% of users gave Bank of the James Financial Group an outperform vote while only 50.00% of users gave Orange County Bancorp an outperform vote.

Company	Underperform	Outperform
Bank of the James Financial Group	Outperform Votes 80 62.50%	Underperform Votes 48 37.50%
Orange County Bancorp	Outperform Votes 8 50.00%	Underperform Votes 8 50.00%

Summary

Orange County Bancorp beats Bank of the James Financial Group on 15 of the 20 factors compared between the two stocks.