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Bank of the James Financial Group (BOTJ) Competitors

Bank of the James Financial Group logo
$26.99 -0.03 (-0.11%)
Closing price 04:00 PM Eastern
Extended Trading
$27.00 +0.01 (+0.04%)
As of 07:30 PM Eastern
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BOTJ vs. PDLB, FMAO, CZNC, FRBA, and AVBC

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 Ponce Financial Group (PDLB), Farmers & Merchants Bancorp (FMAO), Citizens & Northern (CZNC), First Bank (FRBA), and Avidia Bancorp (AVBC). 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 Ponce Financial Group?

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

64.3% of Ponce Financial Group shares are owned by institutional investors. Comparatively, 18.5% of Bank of the James Financial Group shares are owned by institutional investors. 7.2% of Ponce Financial Group 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 endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Ponce Financial Group 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 Ponce Financial Group, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Ponce Financial Group$119.43M4.04$28.70M$1.4014.25
Bank of the James Financial Group$62.51M1.96$9.02M$2.5310.68

Ponce Financial Group presently has a consensus target price of $24.00, indicating a potential upside of 20.30%. Given Ponce Financial Group's higher possible upside, equities analysts plainly believe Ponce Financial Group is more favorable than Bank of the James Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Ponce Financial Group
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
2 Strong Buy rating(s)
3.33
Bank of the James Financial Group
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
4.00

Bank of the James Financial Group has a net margin of 17.72% compared to Ponce Financial Group's net margin of 16.51%. Bank of the James Financial Group's return on equity of 14.30% beat Ponce Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Ponce Financial Group16.51% 10.52% 1.02%
Bank of the James Financial Group 17.72%14.30%1.10%

In the previous week, Bank of the James Financial Group had 1 more articles in the media than Ponce Financial Group. MarketBeat recorded 2 mentions for Bank of the James Financial Group and 1 mentions for Ponce Financial Group. Ponce Financial Group's average media sentiment score of 1.82 beat Bank of the James Financial Group's score of 0.89 indicating that Ponce Financial Group is being referred to more favorably in the media.

Company Overall Sentiment
Ponce Financial Group Very Positive
Bank of the James Financial Group Positive

Ponce Financial Group has a beta of 0.72, suggesting that its stock price is 28% less volatile than the broader market. Comparatively, Bank of the James Financial Group has a beta of 0.19, suggesting that its stock price is 81% less volatile than the broader market.

Summary

Ponce Financial Group beats Bank of the James Financial Group on 9 of the 16 factors compared between the two stocks.

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

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

Bank of the James Financial Group has a beta of 0.19, meaning that its stock price is 81% less volatile than the broader market. Comparatively, Farmers & Merchants Bancorp has a beta of 0.81, meaning that its stock price is 19% less volatile than the broader market.

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
Bank of the James Financial Group17.72% 14.30% 1.10%
Farmers & Merchants Bancorp 20.27%10.72%1.16%

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

In the previous week, Bank of the James Financial Group and Bank of the James Financial Group both had 2 articles in the media. Farmers & Merchants Bancorp's average media sentiment score of 0.91 beat Bank of the James Financial Group's score of 0.89 indicating that Farmers & Merchants Bancorp is being referred to more favorably in the news media.

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

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
Bank of the James Financial Group$62.51M1.96$9.02M$2.5310.68
Farmers & Merchants Bancorp$126.49M3.78$33.31M$2.9111.92

Farmers & Merchants Bancorp has a consensus price target of $32.25, indicating a potential downside of 7.03%. Given Farmers & Merchants Bancorp's higher probable upside, analysts plainly 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
Bank of the James Financial Group
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
4.00
Farmers & Merchants Bancorp
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 pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%. Farmers & Merchants Bancorp pays an annual dividend of $0.96 per share and has a dividend yield of 2.8%. Bank of the James Financial Group pays out 15.8% of its earnings in the form of a dividend. Farmers & Merchants Bancorp pays out 33.0% 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 and Farmers & Merchants Bancorp has increased its dividend for 19 consecutive years. Farmers & Merchants Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

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 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 better stock? We will compare the two businesses based on the strength of their dividends, institutional ownership, risk, analyst recommendations, profitability, earnings, valuation and media sentiment.

Citizens & Northern has a consensus target price of $23.50, indicating a potential downside of 6.45%. Given Citizens & Northern's higher probable 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)
0 Buy rating(s)
1 Strong Buy rating(s)
4.00
Citizens & Northern
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 has a beta of 0.19, meaning that its stock price is 81% less volatile than the broader market. Comparatively, Citizens & Northern has a beta of 0.41, meaning that its stock price is 59% less volatile than the broader market.

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 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$62.51M1.96$9.02M$2.5310.68
Citizens & Northern$170.03M2.65$23.43M$1.4816.97

In the previous week, Citizens & Northern had 3 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 5 mentions for Citizens & Northern and 2 mentions for Bank of the James Financial Group. Bank of the James Financial Group's average media sentiment score of 0.89 beat Citizens & Northern's score of 0.70 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)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Citizens & Northern
1 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%. Citizens & Northern pays an annual dividend of $1.12 per share and has a dividend yield of 4.5%. 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 raised its dividend for 5 consecutive years.

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 insiders. Comparatively, 4.7% of Citizens & Northern shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

Bank of the James Financial Group and Citizens & Northern tied by winning 10 of the 20 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 investment? We will contrast the two companies based on the strength of their institutional ownership, media sentiment, valuation, earnings, analyst recommendations, profitability, risk and dividends.

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$245.83M1.80$43.66M$1.6910.41
Bank of the James Financial Group$62.51M1.96$9.02M$2.5310.68

First Bank has a beta of 0.57, suggesting that its share price is 43% less volatile than the broader market. Comparatively, Bank of the James Financial Group has a beta of 0.19, suggesting that its share price is 81% less volatile than the broader market.

64.9% of First Bank shares are held by institutional investors. Comparatively, 18.5% of Bank of the James Financial Group shares are held by institutional investors. 13.1% of First Bank 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 large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

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%

In the previous week, Bank of the James Financial Group had 1 more articles in the media than First Bank. MarketBeat recorded 2 mentions for Bank of the James Financial Group and 1 mentions for First Bank. First Bank's average media sentiment score of 1.82 beat Bank of the James Financial Group's score of 0.89 indicating that First Bank is being referred to more favorably in the media.

Company Overall Sentiment
First Bank Very Positive
Bank of the James Financial Group Positive

First Bank presently has a consensus price target of $19.67, suggesting a potential upside of 11.81%. Given First Bank's higher possible upside, 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)
0 Buy rating(s)
1 Strong Buy rating(s)
4.00

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 1.5%. 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 raised its dividend for 5 consecutive years.

Summary

Bank of the James Financial Group beats First Bank on 11 of the 20 factors compared between the two stocks.

How does Bank of the James Financial Group compare to Avidia Bancorp?

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

Bank of the James Financial Group has a net margin of 17.72% compared to Avidia Bancorp's net margin of 11.51%. Bank of the James Financial Group's return on equity of 14.30% beat Avidia Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Bank of the James Financial Group17.72% 14.30% 1.10%
Avidia Bancorp 11.51%4.62%0.63%

In the previous week, Avidia Bancorp had 2 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 4 mentions for Avidia Bancorp and 2 mentions for Bank of the James Financial Group. Bank of the James Financial Group's average media sentiment score of 0.89 beat Avidia Bancorp's score of 0.18 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)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Avidia Bancorp
1 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Bank of the James Financial Group has higher earnings, but lower revenue than Avidia Bancorp. Bank of the James Financial Group is trading at a lower price-to-earnings ratio than Avidia Bancorp, 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$62.51M1.96$9.02M$2.5310.68
Avidia Bancorp$147.61M2.96-$3.29M$0.9523.04

Bank of the James Financial Group has a beta of 0.19, indicating that its share price is 81% less volatile than the broader market. Comparatively, Avidia Bancorp has a beta of -0.44, indicating that its share price is 144% less volatile than the broader market.

18.5% of Bank of the James Financial Group shares are owned by institutional investors. 11.9% of Bank of the James Financial Group shares are owned by insiders. Comparatively, 3.4% of Avidia Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%. Avidia Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.1%. Bank of the James Financial Group pays out 15.8% of its earnings in the form of a dividend. Avidia Bancorp pays out 25.3% 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. Bank of the James Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Avidia Bancorp has a consensus target price of $26.00, indicating a potential upside of 18.80%. Given Avidia Bancorp's higher probable upside, analysts clearly believe Avidia 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)
1 Strong Buy rating(s)
4.00
Avidia Bancorp
1 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

Summary

Bank of the James Financial Group beats Avidia Bancorp on 14 of the 20 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$122.76M$22.62B$13.46B$12.93B
Dividend Yield1.48%3.17%6.11%22.94%
P/E Ratio10.6824.4822.3519.00
Price / Sales1.968.95490.9479.80
Price / Cash11.0414.5442.3451.56
Price / Book1.531.332.706.01
Net Income$9.02M$2.60B$1.32B$380.68M
7 Day Performance-0.63%-0.04%-0.20%-3.01%
1 Month Performance-1.50%-3.08%-2.23%-5.59%
1 Year Performance71.15%20.86%9.30%-5.23%

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
2.4116 of 5 stars
$26.99
-0.1%
N/A+72.1%$122.76M$62.51M10.68175
PDLB
Ponce Financial Group
2.8467 of 5 stars
$20.08
-1.3%
$24.00
+19.5%
+36.9%$485.74M$194.94M14.34216
FMAO
Farmers & Merchants Bancorp
3.5578 of 5 stars
$34.90
-1.2%
$32.25
-7.6%
+40.0%$480.57M$190.68M11.99477
CZNC
Citizens & Northern
3.7956 of 5 stars
$25.20
-0.9%
$23.50
-6.7%
+28.4%$451.84M$170.03M17.03460
FRBA
First Bank
4.2856 of 5 stars
$17.55
-0.6%
$19.67
+12.1%
+11.5%$440.44M$149.77M10.38336

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This page (NASDAQ:BOTJ) was last updated on 10/15/2026 by MarketBeat.com Staff.
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