Bank of the James Financial vs National Bankshares
BOTJ and NKSH 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 NKSH compare
National Bankshares is the larger company, worth 2.4 times as much as Bank of the James Financial ($256M against $108M).
On earnings, Bank of the James Financial is cheaper: it trades at 9.4× trailing earnings, against 12.6× for National Bankshares.
Bank of the James Financial grew revenue faster over the last twelve months (10.9% versus 9.5% for National Bankshares).
Bank of the James Financial keeps more of each dollar of sales as profit, with a net margin of 258% compared with 239% at National Bankshares.
Both pay dividends: Bank of the James Financial yields 1.7% and National Bankshares 3.8%.
Bank of the James Financial scores higher on the StockData Score (13 against 9 for National Bankshares), 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 | NKSH |
|---|---|---|
| Size and price | ||
| Market cap | $108M | $256M |
| Share price | $23.76 | $40.18 |
| Change, 1 year | 46.3% | 47.8% |
| Change, 5 years | 49.5% | 3.1% |
| Beta (5Y) | 0.28 | 0.36 |
| Employees | 175 | 243 |
| StockData Score | ||
| Total score | 13 (better) | 9 |
| Valuation score | 1 | 1 |
| Growth score | 1 | 1 |
| Performance score | 5 (better) | 3 |
| Health score | 2 | 3 (better) |
| Dividend score | 4 (better) | 1 |
| Valuation | ||
| P/E | 9.4× (better) | 12.6× |
| P/S | 24.2× (better) | 30.1× |
| P/B | 1.3× (better) | 1.3× |
| P/FCF | 9.4× (better) | 13.9× |
| PEG | 6.82 | – |
| FCF yield | 10.7% (better) | 7.2% |
| Fair value | $23.01 | $39.16 |
| Margin of safety | −3.2% | −2.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 10.9% (better) | 9.5% |
| Revenue growth, 5Y average | 16.0% (better) | 7.7% |
| Net income growth (TTM) | 60.6% | 80.0% (better) |
| EPS growth (TTM) | 59.1% | 79.7% (better) |
| EPS growth, 5Y average | 13.9% (better) | 0.08% |
| Profitability | ||
| Net margin | 258% (better) | 239% |
| FCF margin | 258% (better) | 216% |
| Return on equity | 14.8% (better) | 11.3% |
| Financial health | ||
| Altman Z-score | 0.15 | 0.26 (better) |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.7% | 3.8% (better) |
| Payout ratio | 15.8% | – |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 7.4% (better) | 1.7% |
| Shareholder yield | 1.7% | 3.8% (better) |
| Ownership | ||
| Held by institutions | 31.7% | 36.2% |
| Held by insiders | 9.4% | 3.3% |
| Insider net buying, 12 months | $165K (better) | $8.0K |
| Short interest, % of float | 0.35% | 1.8% |
Go deeper
- BOTJ stock overview
- BOTJ income statement
- BOTJ valuation and score
- NKSH stock overview
- NKSH income statement
- NKSH valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.