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

BOTJ has the lower trailing P/E: BOTJ trades at 10.91 and HYNE at 542.16. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does BOTJ or HYNE pay a bigger dividend?

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

Is BOTJ or HYNE more profitable?

BOTJ runs the higher net margin — BOTJ at 18.94% versus HYNE at 1.10%.

Bank of the James Financial Group, Inc. (BOTJ) vs Hoyne Bancorp, Inc. Common Stock (HYNE)

A side-by-side comparison of Bank of the James Financial Group, Inc. and Hoyne Bancorp, Inc. Common Stock 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.

$125M

$27.60Financial ServicesDelayed quote: Oct 6, 2026, 11:33 AM EDT

HYNE

Hoyne Bancorp, Inc. Common Stock

$124M

$16.59Financial ServicesDelayed quote: Oct 6, 2026, 11:35 AM EDT

Total return — BOTJ vs HYNE

growth of $100 · dividends reinvested · last 1y

BOTJ +53.9% (+53.9%/yr)HYNE +18.4% (+18.4%/yr)BOTJ compounded faster over this window

BOTJ HYNE

BOTJ vs HYNE: by the numbers

•BOTJ is the larger company ($125M vs $124M market cap).
•BOTJ trades at the lower trailing earnings multiple (10.91 vs 542.16 P/E), one valuation lens rather than an overall verdict.
•BOTJ converts more revenue to profit (18.94% vs 1.10% net margin).
•BOTJ pays a dividend (1.46% yield), while HYNE has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	BOTJ	HYNE
P/E ratio	10.91	542.16
PEG ratio	0.79	N/A
P/S ratio	2.07	5.44
P/B ratio	1.51	0.77

Profitability

Metric	BOTJ	HYNE
Operating margin	16.96%	0.14%
Net margin	18.94%	1.10%
ROE	13.82%	0.15%

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.

Hoyne Bancorp, Inc. Common Stock: 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	HYNE
Dividend yield	1.46%	N/A
Payout ratio	15.81%	N/A

Growth (annualized)

Metric	BOTJ	HYNE
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 HYNE?: BOTJ has the lower trailing P/E: BOTJ trades at 10.91 and HYNE at 542.16. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does BOTJ or HYNE pay a bigger dividend?: BOTJ pays a dividend (1.46% yield), while HYNE has no payments in the available dividend history.
Is BOTJ or HYNE more profitable?: BOTJ runs the higher net margin — BOTJ at 18.94% versus HYNE at 1.10%.

Go deeper

Full BOTJ analysis Full HYNE analysis Interactive comparison tool

Dig into the metrics

Bank of the James Financial P/E ratio Hoyne Bancorp, Inc. Common Stock P/E ratio Bank of the James Financial dividend yield Bank of the James Financial ROE Hoyne Bancorp, Inc. Common Stock ROE Bank of the James Financial operating margin Hoyne Bancorp, Inc. Common Stock operating margin Bank of the James Financial revenue growth Hoyne Bancorp, Inc. Common Stock revenue growth

Bank of the James Financial & Hoyne Bancorp, Inc. Common Stock 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.