Bank of the James Financial Group, Inc. (BOTJ) vs Bogota Financial Corporation (BSBK)

Bank of the James Financial Group, Inc. and Bogota Financial Corporation are both Banks Regional companies. Bogota Financial Corporation is the larger, with a market value of $119.9M against $108.9M — 1.1× the size. Bank of the James Financial Group, Inc. trades at the lower P/E: 9.5× against 44.8×. Bank of the James Financial Group, Inc. grew revenue faster over the last twelve months: 6.20% against −3.19%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs 5.99%) and the higher return on invested capital (18.7% vs 1.14%). Across the 18 metrics below, Bank of the James Financial Group, Inc. leads on 14 and Bogota Financial Corporation on 4.

Valuation

Metric BOTJ BSBK Banks Regional median
P/E 9.47 44.76 12.02
P/S 1.68 2.72 2.36
P/B 1.31 0.83 1.23
Price to free cash flow 9.42 28.75 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.55% 2.23% 8.21%
Free cash flow yield 10.62% 3.48% 9.23%

Profitability

Metric BOTJ BSBK Banks Regional median
Gross margin 79.81% 41.63% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.72% 5.99% 18.82%
Free cash flow margin 17.83% 9.46% 17.97%
Return on equity 14.84% 1.85% 10.28%
Return on assets 1.12% 0.29% 1.13%
Return on invested capital 18.72% 1.14% 8.45%

Growth

Metric BOTJ BSBK Banks Regional median
Revenue growth (TTM) 6.20% (3.19%) 6.37%
EPS growth (last fiscal year) 13.71% 200.00% 18.85%
Revenue growth, 5-year CAGR 8.98% 12.93% 12.65%
Net income growth, 5-year CAGR 12.62% 0.22% 9.81%

Health

Metric BOTJ BSBK Banks Regional median
Debt to equity 0.00 0.36 0.17
Current ratio 0.78 0.99 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOTJ BSBK Banks Regional median
Dividend yield 1.67% — 2.49%
Payout ratio 0.16 — 0.29

Size

Metric BOTJ BSBK Banks Regional median
Market cap 108.86m 119.93m 934.85m

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