Bank of the James Financial vs RBB Bancorp
BOTJ and RBB 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 RBB compare
RBB Bancorp is the larger company, worth 3.8 times as much as Bank of the James Financial ($440M against $115M).
On earnings, Bank of the James Financial is cheaper: it trades at 10.0× trailing earnings, against 10.1× for RBB Bancorp.
RBB Bancorp grew revenue faster over the last twelve months (17.4% versus 10.9% for Bank of the James Financial).
Both pay dividends: Bank of the James Financial yields 1.6% and RBB Bancorp 2.5%.
Bank of the James Financial scores higher on the StockData Score (13 against 7 for RBB Bancorp), 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 | RBB |
|---|---|---|
| Size and price | ||
| Market cap | $115M | $440M |
| Share price | $25.39 | $26.00 |
| Change, 1 year | 49.6% | 34.2% |
| Change, 5 years | 58.3% | −1.6% |
| Beta (5Y) | 0.31 | 0.78 |
| Employees | 175 | 369 |
| StockData Score | ||
| Total score | 13 (better) | 7 |
| Valuation score | 1 | 1 |
| Growth score | 1 | 1 |
| Performance score | 5 (better) | 0 |
| Health score | 2 | 4 (better) |
| Dividend score | 4 (better) | 1 |
| Valuation | ||
| P/E | 10.0× (better) | 10.1× |
| P/S | 25.9× (better) | 76.1× |
| P/B | 1.4× | – |
| P/FCF | 10.0× | – |
| PEG | 7.29 | – |
| FCF yield | 10.0% | – |
| Fair value | $22.96 | – |
| Margin of safety | −10.6% | – |
| Growth | ||
| Revenue growth (TTM) | 10.9% | 17.4% (better) |
| Revenue growth, 5Y average | 16.0% (better) | 2.9% |
| Net income growth (TTM) | 60.6% | – |
| EPS growth (TTM) | 59.1% | 73.2% (better) |
| EPS growth, 5Y average | 13.9% (better) | 2.1% |
| Profitability | ||
| Net margin | 258% | – |
| FCF margin | 258% | – |
| Return on equity | 14.8% | – |
| Financial health | ||
| Altman Z-score | 0.15 | 0.17 (better) |
| Piotroski F-score | 7 | – |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 2.5% (better) |
| Payout ratio | 15.8% | – |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 7.4% | 14.2% (better) |
| Shareholder yield | 1.6% | 2.5% (better) |
| Ownership | ||
| Held by institutions | 31.7% | 58.1% |
| Held by insiders | 9.4% | 6.8% |
| Insider net buying, 12 months | $152K (better) | −$697K |
| Short interest, % of float | 0.86% | 3.0% |
Go deeper
- BOTJ stock overview
- BOTJ income statement
- BOTJ valuation and score
- RBB stock overview
- RBB income statement
- RBB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.