Does BOTJ or MTC pay a bigger dividend?

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

Is BOTJ or MTC more profitable?

MTC runs the higher net margin — BOTJ at 18.94% versus MTC at 273.74%.

How have BOTJ and MTC total returns compared?

Over the past 5 years, BOTJ delivered 15.32% and MTC delivered -44.13% annualized total return. Past performance doesn't predict future results.

Bank of the James Financial Group, Inc. (BOTJ) vs MMTec, Inc. (MTC)

A side-by-side comparison of Bank of the James Financial Group, Inc. and MMTec, Inc. 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

$27.57Financial ServicesDelayed quote: Oct 6, 2026, 12:49 PM EDT

MTC

MMTec, Inc.

$130M

$5.14Financial ServicesDelayed quote: Oct 6, 2026, 12:54 PM EDT

Total return — BOTJ vs MTC

growth of $100 · dividends reinvested · last 8y

BOTJ +177.6% (+13.6%/yr)MTC -98.9% (-43.4%/yr)BOTJ compounded faster over this window

Log scale — wide-divergence pair

BOTJ MTC

BOTJ vs MTC: by the numbers

•MTC is the larger company ($130M vs $125M market cap).
•MTC converts more revenue to profit (273.74% vs 18.94% net margin).
•BOTJ pays a dividend (1.46% yield), while MTC has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	BOTJ	MTC
P/E ratio	10.90	N/A
PEG ratio	0.79	N/A
P/S ratio	2.06	N/A
P/B ratio	1.51	9.99

Profitability

Metric	BOTJ	MTC
Gross margin	N/A	103.91%
Operating margin	16.96%	239.11%
Net margin	18.94%	273.74%
ROE	13.82%	-386.22%

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	MTC
Dividend yield	1.46%	N/A
Payout ratio	15.81%	N/A

Growth (annualized)

Metric	BOTJ	MTC
Revenue CAGR (5Y)	8.69%	N/A
EPS CAGR (5Y)	13.86%	N/A
Total return CAGR (5Y)	15.32%	-44.13%

Frequently asked

Does BOTJ or MTC pay a bigger dividend?: BOTJ pays a dividend (1.46% yield), while MTC has no payments in the available dividend history.
Is BOTJ or MTC more profitable?: MTC runs the higher net margin — BOTJ at 18.94% versus MTC at 273.74%.
How have BOTJ and MTC total returns compared?: Over the past 5 years, BOTJ delivered 15.32% and MTC delivered -44.13% annualized total return. Past performance doesn't predict future results.

Go deeper

Full BOTJ analysis Full MTC analysis Interactive comparison tool

Dig into the metrics

Bank of the James Financial P/E ratio Bank of the James Financial dividend yield Bank of the James Financial ROE MMTec ROE Bank of the James Financial operating margin MMTec operating margin Bank of the James Financial revenue growth MMTec revenue growth

Bank of the James Financial & MMTec appear in these rankings

Highest Operating Margin Stocks 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.