Bank of the James Financial Group (BOTJ) Competitors

Bank of the James Financial Group (NASDAQ:BOTJ) and Evans Bancorp (NYSE:EVBN) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, analyst recommendations, risk, profitability, institutional ownership, media sentiment, community ranking, valuation and earnings.

Which has more volatility & risk, BOTJ or EVBN?

Bank of the James Financial Group has a beta of 0.78, meaning that its share price is 22% less volatile than the S&P 500. Comparatively, Evans Bancorp has a beta of 0.92, meaning that its share price is 8% less volatile than the S&P 500.

Does the media prefer BOTJ or EVBN?

In the previous week, Bank of the James Financial Group had 3 more articles in the media than Evans Bancorp. MarketBeat recorded 3 mentions for Bank of the James Financial Group and 0 mentions for Evans Bancorp. Bank of the James Financial Group's average media sentiment score of 0.64 beat Evans Bancorp's score of 0.00 indicating that Bank of the James Financial Group is being referred to more favorably in the media.

Company	Overall Sentiment
Bank of the James Financial Group	Positive
Evans Bancorp	Neutral

Which has preferable valuation and earnings, BOTJ or EVBN?

Evans Bancorp has higher revenue and earnings than Bank of the James Financial Group. Bank of the James Financial Group is trading at a lower price-to-earnings ratio than Evans Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of the James Financial Group	$43.56M	1.36	$7.94M	$1.75	7.42
Evans Bancorp	$69.21M	3.21	$11.95M	$2.15	18.67

Is BOTJ or EVBN more profitable?

Bank of the James Financial Group has a net margin of 13.29% compared to Evans Bancorp's net margin of 9.89%. Bank of the James Financial Group's return on equity of 12.48% beat Evans Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank of the James Financial Group	13.29%	12.48%	0.80%
Evans Bancorp	9.89%	6.66%	0.53%

Is BOTJ or EVBN a better dividend stock?

Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 3.1%. Evans Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 3.3%. Bank of the James Financial Group pays out 22.9% of its earnings in the form of a dividend. Evans Bancorp pays out 61.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Do institutionals and insiders believe in BOTJ or EVBN?

18.5% of Bank of the James Financial Group shares are owned by institutional investors. Comparatively, 67.1% of Evans Bancorp shares are owned by institutional investors. 15.3% of Bank of the James Financial Group shares are owned by insiders. Comparatively, 6.3% of Evans Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Does the MarketBeat Community believe in BOTJ or EVBN?

Bank of the James Financial Group received 80 more outperform votes than Evans Bancorp when rated by MarketBeat users. Likewise, 62.50% of users gave Bank of the James Financial Group an outperform vote while only 0.00% of users gave Evans Bancorp an outperform vote.

Company	Underperform	Outperform
Bank of the James Financial Group	Outperform Votes 80 62.50%	Underperform Votes 48 37.50%
Evans Bancorp	Outperform Votes No Votes	Underperform Votes 7 100.00%

Summary

Bank of the James Financial Group beats Evans Bancorp on 9 of the 17 factors compared between the two stocks.