Bank of the James Financial Group (BOTJ) Competitors

Norwood Financial (NASDAQ:NWFL) 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 analyst recommendations, community ranking, valuation, institutional ownership, dividends, media sentiment, profitability, earnings and risk.

Is NWFL or BOTJ more profitable?

Bank of the James Financial Group has a net margin of 14.46% compared to Norwood Financial's net margin of 10.90%. Bank of the James Financial Group's return on equity of 13.36% beat Norwood Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Norwood Financial	10.90%	6.94%	0.57%
Bank of the James Financial Group	14.46%	13.36%	0.85%

Do insiders & institutionals believe in NWFL or BOTJ?

28.1% of Norwood Financial shares are owned by institutional investors. Comparatively, 18.5% of Bank of the James Financial Group shares are owned by institutional investors. 9.3% of Norwood Financial shares are owned by insiders. Comparatively, 15.3% 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 will outperform the market over the long term.

Which has more volatility and risk, NWFL or BOTJ?

Norwood Financial has a beta of 0.62, indicating that its stock price is 38% less volatile than the S&P 500. Comparatively, Bank of the James Financial Group has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500.

Does the MarketBeat Community favor NWFL or BOTJ?

Norwood Financial received 43 more outperform votes than Bank of the James Financial Group when rated by MarketBeat users. However, 62.50% of users gave Bank of the James Financial Group an outperform vote while only 62.44% of users gave Norwood Financial an outperform vote.

Company	Underperform	Outperform
Norwood Financial	Outperform Votes 123 62.44%	Underperform Votes 74 37.56%
Bank of the James Financial Group	Outperform Votes 80 62.50%	Underperform Votes 48 37.50%

Do analysts rate NWFL or BOTJ?

Norwood Financial currently has a consensus price target of $29.50, suggesting a potential upside of 12.38%. Given Norwood Financial's stronger consensus rating and higher possible upside, equities research analysts clearly believe Norwood Financial is more favorable than Bank of the James Financial Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Norwood Financial	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
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

Is NWFL or BOTJ a better dividend stock?

Norwood Financial pays an annual dividend of $1.20 per share and has a dividend yield of 4.6%. Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 2.9%. Norwood Financial pays out 75.5% 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 pays out 21.7% of its earnings in the form of a dividend.

Which has stronger valuation & earnings, NWFL or BOTJ?

Norwood Financial 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 Norwood Financial, 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
Norwood Financial	$103.66M	2.05	$16.76M	$1.59	16.51
Bank of the James Financial Group	$52.23M	1.22	$8.70M	$1.84	7.61

Does the media refer more to NWFL or BOTJ?

In the previous week, Norwood Financial and Norwood Financial both had 1 articles in the media. Norwood Financial's average media sentiment score of 0.78 beat Bank of the James Financial Group's score of 0.11 indicating that Norwood Financial is being referred to more favorably in the media.

Company	Overall Sentiment
Norwood Financial	Positive
Bank of the James Financial Group	Neutral

Summary

Norwood Financial beats Bank of the James Financial Group on 11 of the 19 factors compared between the two stocks.