BOTJ Quote, Financials, Valuation and Earnings

German American Bancorp, Inc. has a net margin of 16.67% compared to Bank of the James Financial Group, Inc.'s net margin of 28.19%. Bank of the James Financial Group, Inc.'s return on equity of 12.46% beat German American Bancorp, Inc.'s return on equity of 11.02%.

Bank of the James Financial Group, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand German American Bancorp, Inc. has an analysts' consensus of $47.33 which suggests that it could grow by 12.91%. Given that German American Bancorp, Inc. has higher upside potential than Bank of the James Financial Group, Inc., analysts believe German American Bancorp, Inc. is more attractive than Bank of the James Financial Group, Inc..

Bank of the James Financial Group, Inc. has a beta of 0.123, which suggesting that the stock is 87.718% less volatile than S&P 500. In comparison German American Bancorp, Inc. has a beta of 0.653, suggesting its less volatile than the S&P 500 by 34.725%.

Bank of the James Financial Group, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.6%. German American Bancorp, Inc. offers a yield of 2.82% to investors and pays a quarterly dividend of $0.31 per share. Bank of the James Financial Group, Inc. pays 25.18% of its earnings as a dividend. German American Bancorp, Inc. pays out 37.9% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Bank of the James Financial Group, Inc. quarterly revenues are $16.3M, which are smaller than German American Bancorp, Inc. quarterly revenues of $126.6M. Bank of the James Financial Group, Inc.'s net income of $2.7M is lower than German American Bancorp, Inc.'s net income of $35.7M. Notably, Bank of the James Financial Group, Inc.'s price-to-earnings ratio is 9.67x while German American Bancorp, Inc.'s PE ratio is 13.85x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bank of the James Financial Group, Inc. is 1.40x versus 3.17x for German American Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

MVB Financial Corp. has a net margin of 16.67% compared to Bank of the James Financial Group, Inc.'s net margin of 7.87%. Bank of the James Financial Group, Inc.'s return on equity of 12.46% beat MVB Financial Corp.'s return on equity of 8.52%.

Bank of the James Financial Group, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand MVB Financial Corp. has an analysts' consensus of $32.00 which suggests that it could grow by 19.27%. Given that MVB Financial Corp. has higher upside potential than Bank of the James Financial Group, Inc., analysts believe MVB Financial Corp. is more attractive than Bank of the James Financial Group, Inc..

Bank of the James Financial Group, Inc. has a beta of 0.123, which suggesting that the stock is 87.718% less volatile than S&P 500. In comparison MVB Financial Corp. has a beta of 0.885, suggesting its less volatile than the S&P 500 by 11.548%.

Bank of the James Financial Group, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.6%. MVB Financial Corp. offers a yield of 2.54% to investors and pays a quarterly dividend of $0.17 per share. Bank of the James Financial Group, Inc. pays 25.18% of its earnings as a dividend. MVB Financial Corp. pays out 33.01% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Bank of the James Financial Group, Inc. quarterly revenues are $16.3M, which are smaller than MVB Financial Corp. quarterly revenues of $53.7M. Bank of the James Financial Group, Inc.'s net income of $2.7M is lower than MVB Financial Corp.'s net income of $4.2M. Notably, Bank of the James Financial Group, Inc.'s price-to-earnings ratio is 9.67x while MVB Financial Corp.'s PE ratio is 13.02x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bank of the James Financial Group, Inc. is 1.40x versus 1.82x for MVB Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

Peoples Bancorp, Inc. (Ohio) has a net margin of 16.67% compared to Bank of the James Financial Group, Inc.'s net margin of 20.08%. Bank of the James Financial Group, Inc.'s return on equity of 12.46% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 9.13%.

Bank of the James Financial Group, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $35.14 which suggests that it could grow by 6.23%. Given that Peoples Bancorp, Inc. (Ohio) has higher upside potential than Bank of the James Financial Group, Inc., analysts believe Peoples Bancorp, Inc. (Ohio) is more attractive than Bank of the James Financial Group, Inc..

Bank of the James Financial Group, Inc. has a beta of 0.123, which suggesting that the stock is 87.718% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.679, suggesting its less volatile than the S&P 500 by 32.063%.

Bank of the James Financial Group, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.6%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5% to investors and pays a quarterly dividend of $0.41 per share. Bank of the James Financial Group, Inc. pays 25.18% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 54.48% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Bank of the James Financial Group, Inc. quarterly revenues are $16.3M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.9M. Bank of the James Financial Group, Inc.'s net income of $2.7M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $31.5M. Notably, Bank of the James Financial Group, Inc.'s price-to-earnings ratio is 9.67x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.96x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bank of the James Financial Group, Inc. is 1.40x versus 1.88x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.

Union Bankshares, Inc. (Vermont) has a net margin of 16.67% compared to Bank of the James Financial Group, Inc.'s net margin of 13.82%. Bank of the James Financial Group, Inc.'s return on equity of 12.46% beat Union Bankshares, Inc. (Vermont)'s return on equity of 15.12%.

Bank of the James Financial Group, Inc. has a consensus price target of --, signalling downside risk potential of --. On the other hand Union Bankshares, Inc. (Vermont) has an analysts' consensus of -- which suggests that it could fall by --. Given that Bank of the James Financial Group, Inc. has higher upside potential than Union Bankshares, Inc. (Vermont), analysts believe Bank of the James Financial Group, Inc. is more attractive than Union Bankshares, Inc. (Vermont).

Bank of the James Financial Group, Inc. has a beta of 0.123, which suggesting that the stock is 87.718% less volatile than S&P 500. In comparison Union Bankshares, Inc. (Vermont) has a beta of 0.419, suggesting its less volatile than the S&P 500 by 58.1%.

Bank of the James Financial Group, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.6%. Union Bankshares, Inc. (Vermont) offers a yield of 6.08% to investors and pays a quarterly dividend of $0.36 per share. Bank of the James Financial Group, Inc. pays 25.18% of its earnings as a dividend. Union Bankshares, Inc. (Vermont) pays out 59.26% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Bank of the James Financial Group, Inc. quarterly revenues are $16.3M, which are smaller than Union Bankshares, Inc. (Vermont) quarterly revenues of $19.9M. Bank of the James Financial Group, Inc.'s net income of $2.7M is lower than Union Bankshares, Inc. (Vermont)'s net income of $2.7M. Notably, Bank of the James Financial Group, Inc.'s price-to-earnings ratio is 9.67x while Union Bankshares, Inc. (Vermont)'s PE ratio is 13.03x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Bank of the James Financial Group, Inc. is 1.40x versus 1.28x for Union Bankshares, Inc. (Vermont). Usually stocks with elevated PS ratios are considered overvalued.