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Bank of the James Financial Group, Inc. (BOTJ) vs Winchester Bancorp, Inc. (WSBK)

Bank of the James Financial Group, Inc. and Winchester Bancorp, Inc. are both Banks Regional companies. Bank of the James Financial Group, Inc. and Winchester Bancorp, Inc. are of similar size ($122.6M and $116.0M). Bank of the James Financial Group, Inc. trades at the lower P/E: 10.6× against 26.4×. Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against 6.20%. Bank of the James Financial Group, Inc. has the higher net margin (17.7% vs 8.56%) and the higher return on invested capital (18.7% vs 1.64%). Across the 16 metrics below, Bank of the James Financial Group, Inc. leads on 12 and Winchester Bancorp, Inc. on 4.

Valuation

Metric BOTJ WSBK Banks Regional median
P/E 10.57 26.39 11.98
P/S 1.87 2.25 2.34
P/B 1.46 0.96 1.19
Price to free cash flow 10.51 22.07 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.46% 3.79% 8.23%
Free cash flow yield 9.52% 4.53% 9.08%

Profitability

Metric BOTJ WSBK Banks Regional median
Gross margin 79.81% 50.85% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.72% 8.56% 18.66%
Free cash flow margin 17.83% 10.17% 21.11%
Return on equity 14.84% 3.75% 10.65%
Return on assets 1.12% 0.43% 1.13%
Return on invested capital 18.72% 1.64% 8.35%

Growth

Metric BOTJ WSBK Banks Regional median
Revenue growth (TTM) 6.20% 16.05% 6.98%
EPS growth (last fiscal year) 13.71% 590.00% 18.88%
Revenue growth, 5-year CAGR 8.98% — 12.38%
Net income growth, 5-year CAGR 12.62% — 9.71%

Health

Metric BOTJ WSBK Banks Regional median
Debt to equity 0.00 1.31 0.22
Current ratio 0.78 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BOTJ WSBK Banks Regional median
Dividend yield 1.50% — 2.57%
Payout ratio 0.16 — 0.30

Size

Metric BOTJ WSBK Banks Regional median
Market cap 122.62m 115.95m 913.33m

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