stockrowBank of the James Financial Group, Inc. (BOTJ) vs Pathfinder Bancorp, Inc. (PBHC)
- Bank of the James Financial Group, Inc. BOTJ 24.39 +2.65%
- Pathfinder Bancorp, Inc. PBHC 17.08 +0.47%
Bank of the James Financial Group, Inc. and Pathfinder Bancorp, Inc. are both Banks Regional companies. Bank of the James Financial Group, Inc. and Pathfinder Bancorp, Inc. are of similar size ($108.0M and $106.7M). Bank of the James Financial Group, Inc. trades at the lower P/E: 9.6× against 854×. Bank of the James Financial Group, Inc. grew revenue faster over the last twelve months: 6.20% against −8.03%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs 0.20%) and the higher return on invested capital (18.7% vs −1.09%). Both pay a dividend; Pathfinder Bancorp, Inc. yields more (2.34% vs 1.64%). Across the 19 metrics below, Bank of the James Financial Group, Inc. leads on 15 and Pathfinder Bancorp, Inc. on 4.
Valuation
Profitability
| Metric | BOTJ | PBHC | Banks Regional median |
|---|---|---|---|
| Gross margin | 79.81% | 61.13% | 69.75% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 17.72% | 0.20% | 18.88% |
| Free cash flow margin | 17.83% | 13.98% | 17.28% |
| Return on equity | 14.84% | 0.13% | 10.43% |
| Return on assets | 1.12% | 0.01% | 1.14% |
| Return on invested capital | 18.72% | (1.09%) | 8.47% |
Growth
Health
Dividend
Size
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