Bank of the James Financial Group (BOTJ) Competitors

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

Do analysts prefer BOTJ or FUSB?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of the James Financial Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
First US Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Is BOTJ or FUSB 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 3.0%. First US Bancshares pays an annual dividend of $0.20 per share and has a dividend yield of 1.7%. Bank of the James Financial Group pays out 21.7% of its earnings in the form of a dividend. First US Bancshares pays out 14.3% 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. Bank of the James Financial Group has raised its dividend for 5 consecutive years. Bank of the James Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media refer more to BOTJ or FUSB?

In the previous week, First US Bancshares had 4 more articles in the media than Bank of the James Financial Group. MarketBeat recorded 5 mentions for First US Bancshares and 1 mentions for Bank of the James Financial Group. Bank of the James Financial Group's average media sentiment score of 0.81 beat First US Bancshares' score of 0.32 indicating that Bank of the James Financial Group is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bank of the James Financial Group	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First US Bancshares	1 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is BOTJ or FUSB more profitable?

Bank of the James Financial Group has a net margin of 14.46% compared to First US Bancshares' net margin of 14.25%. Bank of the James Financial Group's return on equity of 13.81% beat First US Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bank of the James Financial Group	14.46%	13.81%	0.86%
First US Bancshares	14.25%	9.47%	0.81%

Do institutionals & insiders have more ownership in BOTJ or FUSB?

18.5% of Bank of the James Financial Group shares are held by institutional investors. Comparatively, 18.7% of First US Bancshares shares are held by institutional investors. 15.3% of Bank of the James Financial Group shares are held by insiders. Comparatively, 11.2% of First US Bancshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Does the MarketBeat Community favor BOTJ or FUSB?

Bank of the James Financial Group received 4 more outperform votes than First US Bancshares when rated by MarketBeat users. Likewise, 62.50% of users gave Bank of the James Financial Group an outperform vote while only 57.14% of users gave First US Bancshares an outperform vote.

Company	Underperform	Outperform
Bank of the James Financial Group	Outperform Votes 80 62.50%	Underperform Votes 48 37.50%
First US Bancshares	Outperform Votes 76 57.14%	Underperform Votes 57 42.86%

Which has more volatility and risk, BOTJ or FUSB?

Bank of the James Financial Group has a beta of 0.75, indicating that its share price is 25% less volatile than the S&P 500. Comparatively, First US Bancshares has a beta of 0.91, indicating that its share price is 9% less volatile than the S&P 500.

Which has preferable earnings and valuation, BOTJ or FUSB?

Bank of the James Financial Group has higher earnings, but lower revenue than First US Bancshares. Bank of the James Financial Group is trading at a lower price-to-earnings ratio than First US Bancshares, 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	$52.23M	1.16	$8.70M	$1.84	7.21
First US Bancshares	$56.19M	1.18	$8.48M	$1.40	8.25

Summary

Bank of the James Financial Group beats First US Bancshares on 11 of the 18 factors compared between the two stocks.