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

Metric BOTJ FGBI Banks Regional median
P/E 10.57 n/m 12.15
P/S 1.87 0.61 2.37
P/B 1.46 0.67 1.21
Price to free cash flow 10.51 3.27 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.64 (2.15) 2.27
Earnings yield 9.46% (30.21%) 8.11%
Free cash flow yield 9.51% 30.56% 8.98%

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

Metric BOTJ FGBI Banks Regional median
Revenue growth (TTM) 6.20% (8.17%) 6.61%
EPS growth (last fiscal year) 13.71% (614.81%) —
Revenue growth, 5-year CAGR 8.98% 12.24% 12.30%
Net income growth, 5-year CAGR 12.62% 0.00% 9.71%

Health

Metric BOTJ FGBI Banks Regional median
Debt to equity 0.00 0.82 0.22
Current ratio 0.78 0.73 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOTJ FGBI Banks Regional median
Dividend yield 2.68% 5.75% 3.75%
Payout ratio 0.16 0.41 0.27

Size

Metric BOTJ FGBI Banks Regional median
Market cap 121.26m 130.82m 921.07m

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