Bank of the James Financial vs Bankwell Financial
BOTJ and BWFG side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BOTJ and BWFG compare
Bankwell Financial is the larger company, worth 5.3 times as much as Bank of the James Financial ($568M against $108M).
On earnings, Bank of the James Financial is cheaper: it trades at 9.4× trailing earnings, against 13.3× for Bankwell Financial.
Bankwell Financial grew revenue faster over the last twelve months (22.7% versus 10.9% for Bank of the James Financial).
Bankwell Financial keeps more of each dollar of sales as profit, with a net margin of 1431% compared with 258% at Bank of the James Financial.
Both pay dividends: Bank of the James Financial yields 1.7% and Bankwell Financial 1.1%.
Bankwell Financial scores higher on the StockData Score (16 against 13 for Bank of the James Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BOTJ | BWFG |
|---|---|---|
| Size and price | ||
| Market cap | $108M | $568M |
| Share price | $23.76 | $71.23 |
| Change, 1 year | 46.3% | 65.5% |
| Change, 5 years | 49.5% | 132% |
| Beta (5Y) | 0.28 | 0.61 |
| Employees | 175 | 144 |
| StockData Score | ||
| Total score | 13 | 16 (better) |
| Valuation score | 1 (better) | 0 |
| Growth score | 1 | 3 (better) |
| Performance score | 5 (better) | 4 |
| Health score | 2 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 9.4× (better) | 13.3× |
| P/S | 24.2× (better) | 190× |
| P/B | 1.3× (better) | 1.8× |
| P/FCF | 9.4× (better) | 16.5× |
| PEG | 6.82 | – |
| FCF yield | 10.7% (better) | 6.1% |
| Fair value | $23.01 | $52.99 |
| Margin of safety | −3.2% (better) | −34.4% |
| Growth | ||
| Revenue growth (TTM) | 10.9% | 22.7% (better) |
| Revenue growth, 5Y average | 16.0% | 29.1% (better) |
| Net income growth (TTM) | 60.6% | 105% (better) |
| EPS growth (TTM) | 59.1% | 104% (better) |
| EPS growth, 5Y average | 13.9% | 42.8% (better) |
| Profitability | ||
| Net margin | 258% | 1431% (better) |
| FCF margin | 258% | 1152% (better) |
| Return on equity | 14.8% (better) | 14.1% |
| Financial health | ||
| Altman Z-score | 0.15 | 0.19 (better) |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.7% (better) | 1.1% |
| Payout ratio | 15.8% | 14.7% |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 7.4% | 7.4% |
| Buyback yield | – | 0.03% |
| Shareholder yield | 1.7% (better) | 1.1% |
| Ownership | ||
| Held by institutions | 31.7% | 50.8% |
| Held by insiders | 9.4% | 20.6% |
| Insider net buying, 12 months | $165K | $2.5M (better) |
| Short interest, % of float | 0.35% | 9.1% |
Go deeper
- BOTJ stock overview
- BOTJ income statement
- BOTJ valuation and score
- BWFG stock overview
- BWFG income statement
- BWFG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.