Bank of the James Financial Group, Inc. (BOTJ) vs Riverview Bancorp Inc (RVSB)

Bank of the James Financial Group, Inc. and Riverview Bancorp Inc are both Banks Regional companies. Bank of the James Financial Group, Inc. and Riverview Bancorp Inc are of similar size ($121.3M and $117.7M). Riverview Bancorp 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 −11.2%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs −5.87%) and the higher return on invested capital (18.7% vs −3.72%). Both pay a dividend; Riverview Bancorp Inc yields more (4.91% vs 2.68%). Across the 19 metrics below, Bank of the James Financial Group, Inc. leads on 11 and Riverview Bancorp Inc on 8.

Valuation

Metric BOTJ RVSB Banks Regional median
P/E 10.57 n/m 12.15
P/S 1.87 1.84 2.37
P/B 1.46 0.83 1.21
Price to free cash flow 10.51 8.68 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.64 0.98 2.27
Earnings yield 9.46% (3.19%) 8.11%
Free cash flow yield 9.51% 11.52% 8.98%

Profitability

Metric BOTJ RVSB Banks Regional median
Gross margin 79.81% 68.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.72% (5.87%) 18.66%
Free cash flow margin 17.83% 21.18% 21.18%
Return on equity 14.84% (2.52%) 10.64%
Return on assets 1.12% (0.26%) 1.13%
Return on invested capital 18.72% (3.72%) 8.33%

Growth

Metric BOTJ RVSB Banks Regional median
Revenue growth (TTM) 6.20% (11.21%) 6.61%
EPS growth (last fiscal year) 13.71% (191.30%) —
Revenue growth, 5-year CAGR 8.98% 1.73% 12.30%
Net income growth, 5-year CAGR 12.62% 0.00% 9.71%

Health

Metric BOTJ RVSB Banks Regional median
Debt to equity 0.00 0.31 0.22
Current ratio 0.78 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOTJ RVSB Banks Regional median
Dividend yield 2.68% 4.91% 3.75%
Payout ratio 0.16 0.24 0.27

Size

Metric BOTJ RVSB Banks Regional median
Market cap 121.26m 117.72m 921.07m

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