Bank of the James Financial Group, Inc. (BOTJ) vs Riverview Bancorp, Inc. (RVSB)
A side-by-side comparison of Bank of the James Financial Group, Inc. and Riverview Bancorp, 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.
Total return — BOTJ vs RVSB
growth of $100 · dividends reinvested · last 10yBOTJ vs RVSB: by the numbers
- •BOTJ is the larger company ($124M vs $118M market cap).
- •BOTJ is profitable (18.94% net margin) while RVSB runs a net loss (-6.35%).
- •BOTJ grew revenue faster over the past five years (8.69% vs 0.30% CAGR).
- •BOTJ pays the higher dividend yield (1.46% vs 1.34%).
Metrics side by side
Valuation
| Metric | BOTJ | RVSB |
|---|---|---|
| P/E ratio | 10.78 | N/A |
| Forward P/E | N/A | 20.93 |
| PEG ratio | 0.78 | N/A |
| P/S ratio | 2.04 | 1.94 |
| P/B ratio | 1.49 | 0.81 |
Profitability
| Metric | BOTJ | RVSB |
|---|---|---|
| Operating margin | 16.96% | -8.61% |
| Net margin | 18.94% | -6.35% |
| ROE | 13.82% | -2.67% |
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.
Riverview Bancorp, 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 | RVSB |
|---|---|---|
| Dividend yield | 1.46% | 1.34% |
| Payout ratio | 15.81% | N/A |
Growth (annualized)
| Metric | BOTJ | RVSB |
|---|---|---|
| Revenue CAGR (5Y) | 8.69% | 0.30% |
| EPS CAGR (5Y) | 13.86% | N/A |
| Total return CAGR (5Y) | 15.32% | -1.40% |
Frequently asked
- Which has grown faster, BOTJ or RVSB?
- Over the past five years, BOTJ grew revenue faster — BOTJ at a 8.69% CAGR versus RVSB at 0.30%.
- Does BOTJ or RVSB pay a bigger dividend?
- BOTJ yields 1.46% and RVSB yields 1.34% based on trailing dividends and the latest price.
- Is BOTJ or RVSB more profitable?
- BOTJ runs the higher net margin — BOTJ at 18.94% versus RVSB at -6.35%.
- How have BOTJ and RVSB total returns compared?
- Over the past 10 years, BOTJ delivered 11.85% and RVSB delivered 3.47% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Bank of the James Financial & Riverview Bancorp 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.