Which has the lower trailing P/E, BOTJ or CHAR?

BOTJ has the lower trailing P/E: BOTJ trades at 10.81 and CHAR at 43.90. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does BOTJ or CHAR pay a bigger dividend?

BOTJ pays a dividend (1.46% yield), while CHAR has no payments in the available dividend history.

Is BOTJ or CHAR more profitable?

BOTJ runs the higher net margin — BOTJ at 18.94% versus CHAR at 0.00%.

Bank of the James Financial Group, Inc. (BOTJ) vs Charlton Aria Acquisition Corporation (CHAR)

A side-by-side comparison of Bank of the James Financial Group, Inc. and Charlton Aria Acquisition Corporation 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.

BOTJ

Bank of the James Financial Group, Inc.

$124M

$27.34Financial ServicesDelayed quote: Oct 5, 2026, 4:00 PM EDT

CHAR

Charlton Aria Acquisition Corporation

$117M

$10.97Financial ServicesDelayed quote: Oct 5, 2026, 3:45 PM EDT

Total return — BOTJ vs CHAR

growth of $100 · dividends reinvested · last 2y

BOTJ +92.9% (+38.9%/yr)CHAR +10.8% (+5.3%/yr)BOTJ compounded faster over this window

BOTJ CHAR

BOTJ vs CHAR: by the numbers

•BOTJ is the larger company ($124M vs $117M market cap).
•BOTJ trades at the lower trailing earnings multiple (10.81 vs 43.90 P/E), one valuation lens rather than an overall verdict.
•BOTJ is profitable (18.94% net margin) while CHAR runs a net loss (0.00%).
•BOTJ pays a dividend (1.46% yield), while CHAR has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	BOTJ	CHAR
P/E ratio	10.81	43.90
PEG ratio	0.78	N/A
P/S ratio	2.05	N/A
P/B ratio	1.49	1.32

Profitability

Metric	BOTJ	CHAR
Gross margin	N/A	0.00%
Operating margin	16.96%	0.00%
Net margin	18.94%	0.00%
ROE	13.82%	3.09%
ROIC	N/A	-0.68%

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.

Dividends

Metric	BOTJ	CHAR
Dividend yield	1.46%	N/A
Payout ratio	15.81%	N/A

Growth (annualized)

Metric	BOTJ	CHAR
Revenue CAGR (5Y)	8.69%	N/A
EPS CAGR (5Y)	13.86%	N/A
Total return CAGR (5Y)	15.32%	N/A

Frequently asked

Which has the lower trailing P/E, BOTJ or CHAR?: BOTJ has the lower trailing P/E: BOTJ trades at 10.81 and CHAR at 43.90. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does BOTJ or CHAR pay a bigger dividend?: BOTJ pays a dividend (1.46% yield), while CHAR has no payments in the available dividend history.
Is BOTJ or CHAR more profitable?: BOTJ runs the higher net margin — BOTJ at 18.94% versus CHAR at 0.00%.

Go deeper

Full BOTJ analysis Full CHAR analysis Interactive comparison tool

Dig into the metrics

Bank of the James Financial P/E ratio Charlton Aria Acquisition P/E ratio Bank of the James Financial dividend yield Bank of the James Financial ROE Charlton Aria Acquisition ROE Bank of the James Financial operating margin Charlton Aria Acquisition operating margin Bank of the James Financial revenue growth Charlton Aria Acquisition revenue growth Charlton Aria Acquisition free cash flow

Bank of the James Financial & Charlton Aria Acquisition appear in these rankings

Lowest P/E Ratio Stocks

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.