Bank of the James Financial Group, Inc. (BOTJ) vs Broadway Financial Corporation (BYFC)

Bank of the James Financial Group, Inc. and Broadway Financial Corporation are both Banks Regional companies. Bank of the James Financial Group, Inc. and Broadway Financial Corporation are of similar size ($108.0M and $106.3M). Broadway Financial Corporation has negative trailing earnings, so its P/E is not meaningful; Bank of the James Financial Group, Inc. trades at 9.6×. Broadway Financial Corporation grew revenue faster over the last twelve months: 8.03% against 6.20%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs −34.6%) and the higher return on invested capital (18.7% vs 1.45%). Across the 17 metrics below, Bank of the James Financial Group, Inc. leads on 12 and Broadway Financial Corporation on 5.

Valuation

Metric BOTJ BYFC Banks Regional median
P/E 9.64 n/m 12.46
P/S 1.71 1.47 2.41
P/B 1.33 0.90 1.26
Price to free cash flow 9.58 16.35 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.37% (23.26%) 7.96%
Free cash flow yield 10.43% 6.12% 8.80%

Profitability

Metric BOTJ BYFC Banks Regional median
Gross margin 79.81% 56.06% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.72% (34.62%) 18.88%
Free cash flow margin 17.83% 9.00% 17.28%
Return on equity 14.84% (19.24%) 10.43%
Return on assets 1.12% (1.69%) 1.14%
Return on invested capital 18.72% 1.45% 8.47%

Growth

Metric BOTJ BYFC Banks Regional median
Revenue growth (TTM) 6.20% 8.03% 6.94%
EPS growth (last fiscal year) 13.71% (8,175.00%) 18.88%
Revenue growth, 5-year CAGR 8.98% 27.55% 12.56%
Net income growth, 5-year CAGR 12.62% 0.00% 9.78%

Health

Metric BOTJ BYFC Banks Regional median
Debt to equity 0.00 0.36 0.20
Current ratio 0.78 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOTJ BYFC Banks Regional median
Dividend yield 1.64% — 2.64%
Payout ratio 0.16 — 0.32

Size

Metric BOTJ BYFC Banks Regional median
Market cap 107.95m 106.33m 910.32m

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