Bank of the James Financial Group (BOTJ) Peer Comparison
$27.45
As on 16-Sep-2026 11:29EDT
Market cap
$125 Mln
Revenue (TTM)
$61 Mln
P/E Ratio
10.9
P/B Ratio
1.5
Div. Yield
1.4 %
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
125 | 17,698 | 16,616 | 11,593 | 10,594 |
Revenue ($ Mln) |
61 | 4,716 | 4,850,848 | 4,633 | 4,560 |
Net Profit ($ Mln) |
11.49 | 1,446.16 | 1,127,054.00 | 1,057.00 | 942.68 |
Net Margin (%) |
18.94 | 30.67 | 23.23 | 22.81 | 20.67 |
RoE (%) |
14.08 | 15.94 | 20.82 | 11.56 | 11.99 |
Price to Earnings |
10.86 | 12.42 | 13.62 | 11.76 | 11.59 |
Price-To-Book |
1.52 | 1.92 | 3.12 | 1.38 | 1.37 |
Income Statement ($ Mln)
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
60.67 | 4,715.66 | 4,850,848.00 | 4,633.00 | 4,560.44 |
|
Cost of Revenue
|
13.80 | 1,782.73 | 1,785,978.00 | 1,142.00 | 1,894.76 |
|
Gross Profit
|
48.69 | 2,736.64 | 2,275,837.00 | 3,356.00 | 2,417.68 |
|
Operating Expenses
|
36.58 | 1,075.90 | 1,693,275.00 | 2,106.00 | 1,655.26 |
|
Operating Profit (EBIT)
|
10.29 | 1,857.03 | 1,371,595.00 | 1,385.00 | 1,008.74 |
|
Other Income
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|
Profit before Tax
|
14.26 | 1,857.03 | 1,371,595.00 | 1,370.00 | 1,188.54 |
|
Provision for Tax
|
2.77 | 410.87 | 219,797.00 | 298.00 | 245.86 |
|
Profit after Tax (Net Income)
|
11.49 | 1,446.16 | 1,127,054.00 | 1,057.00 | 942.68 |
|
Minority Interest
|
0.00 | 0.00 | -24,744.00 | -16.00 | 0.00 |
|
Consolidated Profit
|
0.00 | 0.00 | 0.00 | 511.00 | 0.00 |
Liabilities ($ Mln)
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
83.15 | 9,245.93 | 4,974,214.00 | 9,168.00 | 8,030.79 |
|
Minority Interest
|
0.00 | 0.00 | -24,744.00 | -16.00 | 0.00 |
|
Non-Current Liabilities
|
958.15 | 4,588.90 | 29,508,900.00 | 71,971.00 | 61,141.17 |
|
Current Liabilities
|
936.31 | 69,657.16 | 35,676,111.00 | 3,003.00 | 3,083.60 |
|
Total Liabilities
|
1,039.02 | 80,435.00 | 68,147,280.00 | 83,876.00 | 73,094.09 |
Assets ($ Mln)
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
1,013.24 | 62,184.44 | 60,607,845.00 | 83,403.00 | 71,475.68 |
|
Current Assets
|
28.07 | 21,277.31 | 9,715,486.00 | 1,034.00 | 779.88 |
|
Total Assets
|
1,039.02 | 80,435.00 | 68,147,280.00 | 83,876.00 | 73,094.09 |
|
Total Debt*
|
8.67 | 3,992.35 | 13,883,464.00 | 4,324.00 | 3,563.73 |
|
Net Current Assets
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cashflow ($ Mln)
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
11.66 | 1,501.70 | 704,904.49 | 988.00 | 1,026.69 |
|
Cash Flow from Investing Activities
|
-42.40 | -5,476.51 | -1,292,537.89 | -1,454.00 | -5,620.10 |
|
Cash from Financing Activities
|
41.90 | 2,897.23 | -50,055.82 | 524.00 | 3,916.69 |
|
Net Cash Inflow / Outflow
|
-- | -- | -- | -- | -- |
Ratios
Profitability Ratios
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
10.43 | 11.26 | 4.87 | 7.33 | 7.82 |
|
ROE (%)
|
14.08 | 15.94 | 20.82 | 11.56 | 11.99 |
|
ROA (%)
|
1.09 | 1.54 | 1.46 | 1.18 | 1.20 |
|
EBIT Margin (%)
|
16.96 | 39.38 | 28.28 | 22.53 | 22.12 |
|
Net Margin (%)
|
18.94 | 30.67 | 23.23 | 22.81 | 20.67 |
|
Cash Profit Margin (%)
|
0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Growth Ratios
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
0.74 | 16.07 | 19.86 | -3.82 | 41.55 |
|
EBIT Growth (%)
|
14.73 | 20.70 | 5.51 | -3.78 | 55.53 |
|
Net Profit Growth (%)
|
60.60 | 21.24 | 5.79 | 25.39 | 78.41 |
|
EPS Growth (%)
|
60.59 | 21.72 | 7.64 | 33.89 | 41.16 |
|
Book Value Growth (%)
|
16.03 | 12.91 | 10.19 | 9.54 | 10.01 |
Valuation Ratios
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
9.36 | 11.80 | 0.01 | 12.06 | 12.53 |
|
Price / Book Value
|
1.05 | 1.76 | 0.00 | 1.34 | 1.14 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
0.70 | 2.55 | 6.70 | 8.83 | 2.70 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
0.10 | 0.33 | 2.13 | 0.14 | 0.03 |
|
Short term debt to equity ratio
|
0.00 | 0.10 | 0.65 | 0.33 | 0.38 |
|
Current Ratio
|
0.03 | 0.31 | 0.27 | 0.34 | 0.25 |
|
Quick Ratio
|
0.03 | 0.31 | 0.27 | 0.34 | 0.25 |
|
Interest Coverage
|
2.09 | 2.13 | 1.79 | 1.93 | 1.83 |
Operating Efficiency Ratios
| Bank of the James Financial Group (BOTJ) | East West Bancorp (EWBC) | Banco Santander - Chile ADS - ADR | First Horizon National Corporation (FHN) | UMB Financial (UMBF) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
5.59 | 0.00 | 3.82 | 0.00 | 0.00 |
|
Asset Turnover
|
0.06 | 0.05 | 0.06 | 0.05 | 0.06 |
|
Receivable days
|
18.83 | 24.86 | 54.29 | 4,646.62 | 34.96 |
|
Inventory Days
|
-- | -- | -- | -- | -- |
|
Payable days
|
24.97 | -- | 90.12 | 15,129.51 | -- |
|
Cash Conversion Cycle
|
-- | -- | -- | -- | -- |