Bank of the James Financial Group, Inc. (BOTJ) vs First Northwest Bancorp (FNWB)

Bank of the James Financial Group, Inc. and First Northwest Bancorp are both Banks Regional companies. Bank of the James Financial Group, Inc. is the larger, with a market value of $108.9M against $96.0M — 1.1× the size. First Northwest Bancorp has negative trailing earnings, so its P/E is not meaningful; Bank of the James Financial Group, Inc. trades at 9.5×. Bank of the James Financial Group, Inc. grew revenue faster over the last twelve months: 6.20% against −5.00%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs −0.04%) and the higher return on invested capital (18.7% vs −0.11%). Only Bank of the James Financial Group, Inc. pays a dividend (1.67%). Across the 18 metrics below, Bank of the James Financial Group, Inc. leads on 13 and First Northwest Bancorp on 5.

Valuation

Metric BOTJ FNWB Banks Regional median
P/E 9.47 n/m 12.02
P/S 1.68 0.80 2.36
P/B 1.31 0.60 1.23
Price to free cash flow 9.42 17.98 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.55% (0.13%) 8.21%
Free cash flow yield 10.62% 5.56% 9.23%

Profitability

Metric BOTJ FNWB Banks Regional median
Gross margin 79.81% 60.06% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.72% (0.04%) 18.82%
Free cash flow margin 17.83% 5.20% 17.97%
Return on equity 14.84% (0.03%) 10.28%
Return on assets 1.12% 0.00% 1.13%
Return on invested capital 18.72% (0.11%) 8.45%

Growth

Metric BOTJ FNWB Banks Regional median
Revenue growth (TTM) 6.20% (5.00%) 6.37%
EPS growth (last fiscal year) 13.71% 36.00% 18.85%
Revenue growth, 5-year CAGR 8.98% 11.93% 12.65%
Net income growth, 5-year CAGR 12.62% 0.00% 9.81%

Health

Metric BOTJ FNWB Banks Regional median
Debt to equity 0.00 2.09 0.17
Current ratio 0.78 1.04 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOTJ FNWB Banks Regional median
Dividend yield 1.67% 0.00% 2.49%
Payout ratio 0.16 0.00 0.29

Size

Metric BOTJ FNWB Banks Regional median
Market cap 108.86m 96.03m 934.85m

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