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Bank of the James Financial Group (BOTJ) Competitors

Bank of the James Financial Group logo
$27.60 +0.11 (+0.40%)
As of 09/4/2026 04:00 PM Eastern

BOTJ vs. WTBA, FMAO, CBK, CZNC, and FRBA

Should you buy Bank of the James Financial Group stock or one of its competitors? Bank of the James Financial Group's main competitors and comparable companies include West Bancorporation (WTBA), Farmers & Merchants Bancorp (FMAO), Commercial Bancgroup (CBK), Citizens & Northern (CZNC), and First Bank (FRBA). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Bank of the James Financial Group compare to West Bancorporation?

West Bancorporation (NASDAQ:WTBA) and Bank of the James Financial Group (NASDAQ:BOTJ) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their profitability, risk, earnings, dividends, valuation, analyst recommendations, institutional ownership and media sentiment.

44.3% of West Bancorporation shares are owned by institutional investors. Comparatively, 18.5% of Bank of the James Financial Group shares are owned by institutional investors. 4.6% of West Bancorporation shares are owned by company insiders. Comparatively, 11.9% of Bank of the James Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

West Bancorporation has a beta of 0.71, suggesting that its stock price is 29% less volatile than the broader market. Comparatively, Bank of the James Financial Group has a beta of 0.18, suggesting that its stock price is 82% less volatile than the broader market.

West Bancorporation presently has a consensus target price of $29.00, indicating a potential downside of 0.99%. Given West Bancorporation's higher possible upside, research analysts clearly believe West Bancorporation is more favorable than Bank of the James Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
West Bancorporation
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25
Bank of the James Financial Group
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, West Bancorporation and West Bancorporation both had 1 articles in the media. Bank of the James Financial Group's average media sentiment score of 1.92 beat West Bancorporation's score of 1.11 indicating that Bank of the James Financial Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
West Bancorporation
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Bank of the James Financial Group
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

West Bancorporation has a net margin of 18.75% compared to Bank of the James Financial Group's net margin of 17.72%. West Bancorporation's return on equity of 15.48% beat Bank of the James Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
West Bancorporation18.75% 15.48% 1.03%
Bank of the James Financial Group 17.72%14.30%1.10%

West Bancorporation 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 West Bancorporation, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
West Bancorporation$202.45M2.47$32.56M$2.2313.13
Bank of the James Financial Group$62.51M2.00$9.02M$2.5310.91

West Bancorporation pays an annual dividend of $1.04 per share and has a dividend yield of 3.6%. Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. West Bancorporation pays out 46.6% of its earnings in the form of a dividend. Bank of the James Financial Group pays out 15.8% 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 increased its dividend for 5 consecutive years.

Summary

West Bancorporation beats Bank of the James Financial Group on 10 of the 17 factors compared between the two stocks.

How does Bank of the James Financial Group compare to Farmers & Merchants Bancorp?

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

Farmers & Merchants Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 2.6%. Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. Farmers & Merchants Bancorp pays out 31.6% of its earnings in the form of a dividend. Bank of the James Financial Group pays out 15.8% 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. Farmers & Merchants Bancorp has raised its dividend for 19 consecutive years and Bank of the James Financial Group has raised its dividend for 5 consecutive years. Farmers & Merchants Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Farmers & Merchants Bancorp has a beta of 0.8, indicating that its stock price is 20% less volatile than the broader market. Comparatively, Bank of the James Financial Group has a beta of 0.18, indicating that its stock price is 82% less volatile than the broader market.

Farmers & Merchants Bancorp currently has a consensus price target of $32.25, suggesting a potential downside of 8.56%. Given Farmers & Merchants Bancorp's higher probable upside, research analysts clearly believe Farmers & Merchants Bancorp is more favorable than Bank of the James Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Farmers & Merchants Bancorp
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.75
Bank of the James Financial Group
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

24.0% of Farmers & Merchants Bancorp shares are held by institutional investors. Comparatively, 18.5% of Bank of the James Financial Group shares are held by institutional investors. 7.3% of Farmers & Merchants Bancorp shares are held by insiders. Comparatively, 11.9% of Bank of the James Financial Group shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Farmers & Merchants 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 Farmers & Merchants Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Farmers & Merchants Bancorp$126.49M3.84$33.31M$2.9112.12
Bank of the James Financial Group$62.51M2.00$9.02M$2.5310.91

In the previous week, Farmers & Merchants Bancorp had 4 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 5 mentions for Farmers & Merchants Bancorp and 1 mentions for Bank of the James Financial Group. Bank of the James Financial Group's average media sentiment score of 1.92 beat Farmers & Merchants Bancorp's score of 1.44 indicating that Bank of the James Financial Group is being referred to more favorably in the news media.

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

Farmers & Merchants Bancorp has a net margin of 20.27% compared to Bank of the James Financial Group's net margin of 17.72%. Bank of the James Financial Group's return on equity of 14.30% beat Farmers & Merchants Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Farmers & Merchants Bancorp20.27% 10.72% 1.16%
Bank of the James Financial Group 17.72%14.30%1.10%

Summary

Farmers & Merchants Bancorp beats Bank of the James Financial Group on 14 of the 19 factors compared between the two stocks.

How does Bank of the James Financial Group compare to Commercial Bancgroup?

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

Commercial Bancgroup presently has a consensus target price of $39.50, suggesting a potential upside of 13.51%. Given Commercial Bancgroup's higher possible upside, research analysts plainly believe Commercial Bancgroup is more favorable than Bank of the James Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Commercial Bancgroup
1 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00
Bank of the James Financial Group
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Commercial Bancgroup 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 Commercial Bancgroup, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Commercial Bancgroup$131.53M3.62$37.20M$2.9211.92
Bank of the James Financial Group$62.51M2.00$9.02M$2.5310.91

Commercial Bancgroup pays an annual dividend of $0.40 per share and has a dividend yield of 1.1%. Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. Commercial Bancgroup pays out 13.7% of its earnings in the form of a dividend. Bank of the James Financial Group pays out 15.8% 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 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.

In the previous week, Commercial Bancgroup and Commercial Bancgroup both had 1 articles in the media. Bank of the James Financial Group's average media sentiment score of 1.92 beat Commercial Bancgroup's score of 1.75 indicating that Bank of the James Financial Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Commercial Bancgroup
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Bank of the James Financial Group
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Commercial Bancgroup has a net margin of 30.07% compared to Bank of the James Financial Group's net margin of 17.72%. Bank of the James Financial Group's return on equity of 14.30% beat Commercial Bancgroup's return on equity.

Company Net Margins Return on Equity Return on Assets
Commercial Bancgroup30.07% 14.06% 1.72%
Bank of the James Financial Group 17.72%14.30%1.10%

18.5% of Bank of the James Financial Group shares are owned by institutional investors. 36.2% of Commercial Bancgroup shares are owned by insiders. Comparatively, 11.9% 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 company is poised for long-term growth.

Summary

Commercial Bancgroup beats Bank of the James Financial Group on 10 of the 16 factors compared between the two stocks.

How does Bank of the James Financial Group compare to Citizens & Northern?

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

18.5% of Bank of the James Financial Group shares are held by institutional investors. Comparatively, 30.8% of Citizens & Northern shares are held by institutional investors. 11.9% of Bank of the James Financial Group shares are held by company insiders. Comparatively, 4.7% of Citizens & Northern shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Bank of the James Financial Group has a beta of 0.18, suggesting that its stock price is 82% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.4, suggesting that its stock price is 60% less volatile than the broader market.

In the previous week, Citizens & Northern had 3 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 4 mentions for Citizens & Northern and 1 mentions for Bank of the James Financial Group. Bank of the James Financial Group's average media sentiment score of 1.92 beat Citizens & Northern's score of 1.74 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)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Citizens & Northern
2 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.3%. Bank of the James Financial Group pays out 15.8% of its earnings in the form of a dividend. Citizens & Northern pays out 75.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Bank of the James Financial Group has increased its dividend for 5 consecutive years.

Bank of the James Financial Group has a net margin of 17.72% compared to Citizens & Northern's net margin of 13.28%. Bank of the James Financial Group's return on equity of 14.30% beat Citizens & Northern's return on equity.

Company Net Margins Return on Equity Return on Assets
Bank of the James Financial Group17.72% 14.30% 1.10%
Citizens & Northern 13.28%9.54%1.04%

Citizens & Northern has a consensus price target of $23.50, indicating a potential downside of 10.00%. Given Citizens & Northern's higher possible upside, analysts clearly believe Citizens & Northern 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)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Citizens & Northern
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Citizens & Northern 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 Citizens & Northern, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bank of the James Financial Group$62.51M2.00$9.02M$2.5310.91
Citizens & Northern$170.03M2.75$23.43M$1.4817.64

Summary

Bank of the James Financial Group and Citizens & Northern tied by winning 9 of the 18 factors compared between the two stocks.

How does Bank of the James Financial Group compare to First Bank?

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

In the previous week, First Bank had 1 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 2 mentions for First Bank and 1 mentions for Bank of the James Financial Group. Bank of the James Financial Group's average media sentiment score of 1.92 beat First Bank's score of 1.58 indicating that Bank of the James Financial Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
First Bank
2 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Bank of the James Financial Group
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

64.9% of First Bank shares are owned by institutional investors. Comparatively, 18.5% of Bank of the James Financial Group shares are owned by institutional investors. 13.1% of First Bank shares are owned by company insiders. Comparatively, 11.9% of Bank of the James Financial Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

First Bank has higher revenue and earnings than Bank of the James Financial Group. First Bank 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Bank$245.83M1.87$43.66M$1.6910.86
Bank of the James Financial Group$62.51M2.00$9.02M$2.5310.91

Bank of the James Financial Group has a net margin of 17.72% compared to First Bank's net margin of 17.45%. Bank of the James Financial Group's return on equity of 14.30% beat First Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
First Bank17.45% 9.57% 1.06%
Bank of the James Financial Group 17.72%14.30%1.10%

First Bank has a beta of 0.52, suggesting that its stock price is 48% less volatile than the broader market. Comparatively, Bank of the James Financial Group has a beta of 0.18, suggesting that its stock price is 82% less volatile than the broader market.

First Bank currently has a consensus price target of $19.67, suggesting a potential upside of 7.18%. Given First Bank's higher possible upside, equities research analysts clearly believe First Bank is more favorable than Bank of the James Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Bank
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60
Bank of the James Financial Group
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

First Bank pays an annual dividend of $0.36 per share and has a dividend yield of 2.0%. Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. First Bank pays out 21.3% of its earnings in the form of a dividend. Bank of the James Financial Group pays out 15.8% 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 increased its dividend for 5 consecutive years.

Summary

Bank of the James Financial Group beats First Bank on 10 of the 19 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding BOTJ and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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BOTJ vs. The Competition

MetricBank of the James Financial GroupBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$124.90M$24.25B$14.28B$12.92B
Dividend Yield1.46%3.15%5.88%8.90%
P/E Ratio10.9127.3526.1725.42
Price / Sales2.009.58517.9194.56
Price / Cash11.2316.2039.5952.28
Price / Book1.511.392.136.17
Net Income$9.02M$2.58B$1.32B$349.50M
7 Day Performance2.18%1.39%3.83%-0.15%
1 Month Performance1.81%1.02%1.60%1.02%
1 Year Performance78.06%24.37%11.96%14.50%

Bank of the James Financial Group Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
BOTJ
Bank of the James Financial Group
3.8906 of 5 stars
$27.60
+0.4%
N/A+79.1%$124.90M$62.51M10.91160
WTBA
West Bancorporation
2.7253 of 5 stars
$28.30
-0.7%
$29.00
+2.5%
+42.7%$482.35M$102.53M12.69180
FMAO
Farmers & Merchants Bancorp
3.6918 of 5 stars
$33.81
+0.4%
$32.25
-4.6%
+33.3%$465.56M$190.68M11.62430
CBK
Commercial Bancgroup
3.1058 of 5 stars
$33.81
-1.3%
$39.50
+16.8%
N/A$463.20M$131.53M11.58298
CZNC
Citizens & Northern
4.1723 of 5 stars
$25.36
-1.6%
$23.50
-7.3%
+27.9%$454.71M$170.03M17.14410

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This page (NASDAQ:BOTJ) was last updated on 9/5/2026 by MarketBeat.com Staff.
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