Bank of the James Financial Group, Inc. (BOTJ) vs Lake Shore Bancorp, Inc. (LSBK)
- Bank of the James Financial Group, Inc. BOTJ 26.74 −0.93%
- Lake Shore Bancorp, Inc. LSBK 18.23 +0.61%
Bank of the James Financial Group, Inc. and Lake Shore Bancorp, Inc. are both Banks Regional companies. Lake Shore Bancorp, Inc. is the larger, with a market value of $142.3M against $122.6M — 1.2× the size. Bank of the James Financial Group, Inc. trades at the lower P/E: 10.6× against 16.1×. Bank of the James Financial Group, Inc. grew revenue faster over the last twelve months: 6.20% against 5.63%. Lake Shore Bancorp, Inc. has the higher net margin (20.7% vs 17.7%) and the lower return on invested capital (8.79% vs 18.7%). Both pay a dividend; Lake Shore Bancorp, Inc. yields more (1.97% vs 1.50%). Across the 18 metrics below, Bank of the James Financial Group, Inc. leads on 11 and Lake Shore Bancorp, Inc. on 7.
Valuation
Profitability
| Metric | BOTJ | LSBK | Banks Regional median |
|---|---|---|---|
| Gross margin | 79.81% | 73.50% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 17.72% | 20.74% | 18.66% |
| Free cash flow margin | 17.83% | 25.97% | 21.11% |
| Return on equity | 14.84% | 7.06% | 10.65% |
| Return on assets | 1.12% | 1.14% | 1.13% |
| Return on invested capital | 18.72% | 8.79% | 8.35% |
Growth
Health
Dividend
Size
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