Bank of the James Financial Group, Inc. (BOTJ) vs Provident Financial Holdings, Inc. (PROV)
- Bank of the James Financial Group, Inc. BOTJ 26.74 −0.93%
- Provident Financial Holdings, Inc. PROV 18.11 0.00%
Bank of the James Financial Group, Inc. and Provident Financial Holdings, Inc. are both Banks Regional companies. Bank of the James Financial Group, Inc. and Provident Financial Holdings, Inc. are of similar size ($122.6M and $112.9M). Bank of the James Financial Group, Inc. trades at the lower P/E: 10.6× against 17.4×. Bank of the James Financial Group, Inc. grew revenue faster over the last twelve months: 6.20% against −0.90%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs 11.2%) and the higher return on invested capital (18.7% vs 2.57%). Both pay a dividend; Provident Financial Holdings, Inc. yields more (3.09% vs 1.50%). Across the 19 metrics below, Bank of the James Financial Group, Inc. leads on 16 and Provident Financial Holdings, Inc. on 3.
Valuation
Profitability
| Metric | BOTJ | PROV | Banks Regional median |
|---|---|---|---|
| Gross margin | 79.81% | 67.19% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 17.72% | 11.16% | 18.66% |
| Free cash flow margin | 17.83% | 14.32% | 21.11% |
| Return on equity | 14.84% | 5.22% | 10.65% |
| Return on assets | 1.12% | 0.54% | 1.13% |
| Return on invested capital | 18.72% | 2.57% | 8.35% |
Growth
Health
Dividend
Size
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