Bank of the James Financial Group (BOTJ) Competitors

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

Does the media favor BOTJ or PLBC?

In the previous week, Bank of the James Financial Group had 1 more articles in the media than Plumas Bancorp. MarketBeat recorded 3 mentions for Bank of the James Financial Group and 2 mentions for Plumas Bancorp. Bank of the James Financial Group's average media sentiment score of 0.63 beat Plumas Bancorp's score of -0.22 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	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Plumas Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has higher valuation and earnings, BOTJ or PLBC?

Plumas Bancorp has higher revenue and earnings than Bank of the James Financial Group. Plumas Bancorp is trading at a lower price-to-earnings ratio than Bank of the James Financial Group, 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	$44.30M	1.48	$7.94M	$1.46	9.79
Plumas Bancorp	$84.27M	3.11	$28.62M	$4.94	8.94

Do insiders & institutionals believe in BOTJ or PLBC?

18.5% of Bank of the James Financial Group shares are held by institutional investors. Comparatively, 41.7% of Plumas Bancorp shares are held by institutional investors. 15.4% of Bank of the James Financial Group shares are held by insiders. Comparatively, 7.7% of Plumas Bancorp shares are held 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.

Does the MarketBeat Community prefer BOTJ or PLBC?

Plumas Bancorp received 39 more outperform votes than Bank of the James Financial Group when rated by MarketBeat users. Likewise, 63.98% of users gave Plumas Bancorp an outperform vote while only 62.50% of users gave Bank of the James Financial Group an outperform vote.

Company	Underperform	Outperform
Bank of the James Financial Group	Outperform Votes 80 62.50%	Underperform Votes 48 37.50%
Plumas Bancorp	Outperform Votes 119 63.98%	Underperform Votes 67 36.02%

Do analysts prefer BOTJ or PLBC?

Plumas Bancorp has a consensus price target of $57.67, suggesting a potential upside of 30.62%. Given Plumas Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe Plumas 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
Plumas Bancorp	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is BOTJ or PLBC more profitable?

Plumas Bancorp has a net margin of 30.74% compared to Bank of the James Financial Group's net margin of 13.29%. Plumas Bancorp's return on equity of 16.88% 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%
Plumas Bancorp	30.74%	16.88%	1.74%

Which has more volatility and risk, BOTJ or PLBC?

Bank of the James Financial Group has a beta of 0.33, suggesting that its stock price is 67% less volatile than the S&P 500. Comparatively, Plumas Bancorp has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500.

Is BOTJ or PLBC 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 2.8%. Plumas Bancorp pays an annual dividend of $1.20 per share and has a dividend yield of 2.7%. Bank of the James Financial Group pays out 27.4% of its earnings in the form of a dividend. Plumas Bancorp pays out 24.3% 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. Bank of the James Financial Group has raised its dividend for 5 consecutive years and Plumas Bancorp has raised its dividend for 1 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.

Summary

Plumas Bancorp beats Bank of the James Financial Group on 16 of the 21 factors compared between the two stocks.