Bank of the James Financial Group, Inc. (BOTJ) vs First Guaranty Bancshares, Inc. (FGBI)
Bank of the James Financial Group, Inc. and First Guaranty Bancshares, Inc. are both Banks Regional companies. Bank of the James Financial Group, Inc. and First Guaranty Bancshares, Inc. are of similar size ($130.8M and $121.3M). First Guaranty Bancshares, Inc. has negative trailing earnings, so its P/E is not meaningful; Bank of the James Financial Group, Inc. trades at 10.6×. Bank of the James Financial Group, Inc. grew revenue faster over the last twelve months: 6.20% against −8.17%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs −17.9%) and the higher return on invested capital (18.7% vs 0.00%). Both pay a dividend; First Guaranty Bancshares, Inc. yields more (5.75% vs 2.68%). Across the 19 metrics below, Bank of the James Financial Group, Inc. leads on 11 and First Guaranty Bancshares, Inc. on 8.
Valuation
Profitability
| Metric | BOTJ | FGBI | Banks Regional median |
|---|---|---|---|
| Gross margin | 79.81% | 43.27% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 17.72% | (17.91%) | 18.66% |
| Free cash flow margin | 17.83% | 18.49% | 21.18% |
| Return on equity | 14.84% | (18.24%) | 10.64% |
| Return on assets | 1.12% | (0.98%) | 1.13% |
| Return on invested capital | 18.72% | 0.00% | 8.33% |
Growth
Health
Dividend
Size
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