Bank of the James Financial vs Citizens Financial Services
BOTJ and CZFS 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 CZFS compare
Citizens Financial Services is the larger company, worth 3.6 times as much as Bank of the James Financial ($413M against $115M).
On earnings, Citizens Financial Services is cheaper: it trades at 9.6× trailing earnings, against 10.0× for Bank of the James Financial.
Bank of the James Financial grew revenue faster over the last twelve months (10.9% versus −0.70% for Citizens Financial Services).
Citizens Financial Services keeps more of each dollar of sales as profit, with a net margin of 438% compared with 258% at Bank of the James Financial.
Both pay dividends: Bank of the James Financial yields 1.6% and Citizens Financial Services 2.4%.
Citizens Financial Services scores higher on the StockData Score (17 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 | CZFS |
|---|---|---|
| Size and price | ||
| Market cap | $115M | $413M |
| Share price | $25.39 | $85.82 |
| Change, 1 year | 49.6% | 49.9% |
| Change, 5 years | 58.3% | 43.3% |
| Beta (5Y) | 0.31 | 0.59 |
| Employees | 175 | 405 |
| StockData Score | ||
| Total score | 13 | 17 (better) |
| Valuation score | 1 | 4 (better) |
| Growth score | 1 | 1 |
| Performance score | 5 | 5 |
| Health score | 2 | 3 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 10.0× | 9.6× (better) |
| P/S | 25.9× (better) | 42.1× |
| P/B | 1.4× | 1.2× (better) |
| P/FCF | 10.0× (better) | 10.5× |
| PEG | 7.29 | 4.68 (better) |
| FCF yield | 10.0% (better) | 9.5% |
| Fair value | $22.96 | $90.69 |
| Margin of safety | −10.6% | 5.4% (better) |
| Growth | ||
| Revenue growth (TTM) | 10.9% (better) | −0.70% |
| Revenue growth, 5Y average | 16.0% (better) | 8.2% |
| Net income growth (TTM) | 60.6% (better) | 26.1% |
| EPS growth (TTM) | 59.1% (better) | 25.9% |
| EPS growth, 5Y average | 13.9% (better) | 3.4% |
| Profitability | ||
| Net margin | 258% | 438% (better) |
| FCF margin | 258% | 400% (better) |
| Return on equity | 14.8% (better) | 12.7% |
| Financial health | ||
| Altman Z-score | 0.15 | 0.18 (better) |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 2.4% (better) |
| Payout ratio | 15.8% | 22.6% |
| Years of dividend growth | 0 | 4 (better) |
| Dividend growth, 5Y average | 7.4% (better) | 1.0% |
| Buyback yield | – | 0.06% |
| Shareholder yield | 1.6% | 2.4% (better) |
| Ownership | ||
| Held by institutions | 31.7% | 30.9% |
| Held by insiders | 9.4% | 5.9% |
| Insider net buying, 12 months | $152K (better) | $63.1K |
| Short interest, % of float | 0.86% | 1.2% |
Go deeper
- BOTJ stock overview
- BOTJ income statement
- BOTJ valuation and score
- CZFS stock overview
- CZFS income statement
- CZFS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.