Bank of the James Financial Group, Inc. (BOTJ) vs Bogota Financial Corp. (BSBK)
A side-by-side comparison of Bank of the James Financial Group, Inc. and Bogota Financial Corp. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BOTJ vs BSBK
growth of $100 · dividends reinvested · last 7yBOTJ vs BSBK: by the numbers
- •BOTJ is the larger company ($125M vs $117M market cap).
- •BOTJ trades at the lower trailing earnings multiple (10.84 vs 43.26 P/E), one valuation lens rather than an overall verdict.
- •BOTJ converts more revenue to profit (18.94% vs 5.99% net margin).
- •BSBK grew revenue faster over the past five years (11.45% vs 8.69% CAGR).
- •BOTJ pays a dividend (1.46% yield), while BSBK has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | BOTJ | BSBK |
|---|---|---|
| P/E ratio | 10.84 | 43.26 |
| PEG ratio | 0.78 | N/A |
| P/S ratio | 2.05 | 2.70 |
| P/B ratio | 1.50 | 0.82 |
Profitability
| Metric | BOTJ | BSBK |
|---|---|---|
| Operating margin | 16.96% | 6.85% |
| Net margin | 18.94% | 5.99% |
| ROE | 13.82% | 1.82% |
Bank of the James Financial Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Bogota Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BOTJ | BSBK |
|---|---|---|
| Dividend yield | 1.46% | N/A |
| Payout ratio | 15.81% | N/A |
Growth (annualized)
| Metric | BOTJ | BSBK |
|---|---|---|
| Revenue CAGR (5Y) | 8.69% | 11.45% |
| EPS CAGR (5Y) | 13.86% | 0.00% |
| Total return CAGR (5Y) | 15.32% | -2.60% |
Frequently asked
- Which has the lower trailing P/E, BOTJ or BSBK?
- BOTJ has the lower trailing P/E: BOTJ trades at 10.84 and BSBK at 43.26. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BOTJ or BSBK?
- Over the past five years, BSBK grew revenue faster — BOTJ at a 8.69% CAGR versus BSBK at 11.45%.
- Does BOTJ or BSBK pay a bigger dividend?
- BOTJ pays a dividend (1.46% yield), while BSBK has no payments in the available dividend history.
- Is BOTJ or BSBK more profitable?
- BOTJ runs the higher net margin — BOTJ at 18.94% versus BSBK at 5.99%.
- How have BOTJ and BSBK total returns compared?
- Over the past 5 years, BOTJ delivered 15.32% and BSBK delivered -2.60% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Bank of the James Financial & Bogota Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.