Bank of the James Financial Group (NASDAQ:BOTJ – Get Free Report) is one of 919 publicly-traded companies in the “Banks” industry, but how does it compare to its competitors? We will compare Bank of the James Financial Group to similar businesses based on the strength of its earnings, risk, institutional ownership, analyst recommendations, profitability, dividends and valuation.
Dividends
Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. Bank of the James Financial Group pays out 15.1% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 8.9% and pay out 28.9% of their earnings in the form of a dividend. Bank of the James Financial Group has raised its dividend for 5 consecutive years.
Analyst Recommendations
This is a breakdown of current ratings and price targets for Bank of the James Financial Group and its competitors, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bank of the James Financial Group | 0 | 0 | 1 | 0 | 3.00 |
| Bank of the James Financial Group Competitors | 7484 | 30232 | 27813 | 1478 | 2.35 |
As a group, “Banks” companies have a potential upside of 14.24%. Given Bank of the James Financial Group’s competitors higher probable upside, analysts clearly believe Bank of the James Financial Group has less favorable growth aspects than its competitors.
Valuation and Earnings
This table compares Bank of the James Financial Group and its competitors gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Bank of the James Financial Group | $62.51 million | $9.02 million | 9.35 |
| Bank of the James Financial Group Competitors | $9.95 billion | $2.42 billion | 21.29 |
Bank of the James Financial Group’s competitors have higher revenue and earnings than Bank of the James Financial Group. Bank of the James Financial Group is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
Insider & Institutional Ownership
18.5% of Bank of the James Financial Group shares are held by institutional investors. Comparatively, 47.8% of shares of all “Banks” companies are held by institutional investors. 11.9% of Bank of the James Financial Group shares are held by insiders. Comparatively, 9.7% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Volatility & Risk
Bank of the James Financial Group has a beta of 0.19, meaning that its stock price is 81% less volatile than the S&P 500. Comparatively, Bank of the James Financial Group’s competitors have a beta of 0.61, meaning that their average stock price is 39% less volatile than the S&P 500.
Profitability
This table compares Bank of the James Financial Group and its competitors’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bank of the James Financial Group | 18.28% | 14.80% | 1.15% |
| Bank of the James Financial Group Competitors | 15.65% | 9.43% | 0.93% |
Summary
Bank of the James Financial Group competitors beat Bank of the James Financial Group on 8 of the 15 factors compared.
Bank of the James Financial Group Company Profile
Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also provides loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it offers other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company provides mortgage banking; investment advisory services; securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. The company was founded in 1999 and is headquartered in Lynchburg, Virginia.
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