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BOTJ vs BRK-B

BOTJ
Bank of the James Financial Group, Inc.
NEUTRAL
Price
$18.12
Market Cap
$82.3M
Sector
Financial Services
AI Confidence
65%
BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BOTJ
10.35
BRK-B
15.46
Forward P/E
BOTJ
--
BRK-B
22.06
P/B Ratio
BOTJ
1.07
BRK-B
0.0
P/S Ratio
BOTJ
1.73
BRK-B
2.79
EV/EBITDA
BOTJ
--
BRK-B
-2.12

Profitability

Gross Margin
BOTJ
0.0%
BRK-B
26.15%
Operating Margin
BOTJ
28.19%
BRK-B
32.96%
Profit Margin
BOTJ
16.61%
BRK-B
18.03%
ROE
BOTJ
10.86%
BRK-B
9.81%
ROA
BOTJ
0.78%
BRK-B
5.11%

Growth

Revenue Growth
BOTJ
10.1%
BRK-B
-0.7%
Earnings Growth
BOTJ
38.3%
BRK-B
-2.5%

Financial Health

Debt/Equity
BOTJ
--
BRK-B
0.19
Current Ratio
BOTJ
--
BRK-B
7.07
Quick Ratio
BOTJ
--
BRK-B
6.62

Dividends

Dividend Yield
BOTJ
2.21%
BRK-B
--
Payout Ratio
BOTJ
22.86%
BRK-B
0.0%

AI Verdict

BOTJ NEUTRAL

BOTJ has a weak Piotroski F-Score of 4/9, indicating marginal financial health, and lacks an Altman Z-Score, limiting distress risk assessment. The stock appears reasonably valued with a P/E of 10.35 below sector average of 21.77, supported by strong earnings growth of 38.3% and solid profitability margins. However, limited data availability—especially on debt, cash flow, and analyst coverage—creates uncertainty. Technical trend is bearish short-term, but long-term price performance shows strong appreciation, and dividend metrics suggest modest income appeal.

Strengths
Earnings growth (YoY) of 38.30% significantly outpaces sector average of 46.30% despite smaller scale
Profit margin of 16.61% exceeds sector average of 13.65%
Operating margin of 28.19% indicates strong cost control and pricing power
Risks
Piotroski F-Score of 4/9 indicates borderline financial health with risk of deterioration
Missing Altman Z-Score prevents proper assessment of bankruptcy risk
No available data on debt/equity, cash flow, or enterprise value limits financial health analysis
BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends

Compare Another Pair

BOTJ vs BRK-B: Head-to-Head Comparison

This page compares Bank of the James Financial Group, Inc. (BOTJ) and Berkshire Hathaway Inc. (BRK-B) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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