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BOTJ vs JPM

BOTJ
Bank of the James Financial Group, Inc.
NEUTRAL
Price
$18.12
Market Cap
$82.3M
Sector
Financial Services
AI Confidence
65%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
BOTJ
10.35
JPM
14.69
Forward P/E
BOTJ
--
JPM
12.62
P/B Ratio
BOTJ
1.07
JPM
2.32
P/S Ratio
BOTJ
1.73
JPM
4.72
EV/EBITDA
BOTJ
--
JPM
--

Profitability

Gross Margin
BOTJ
0.0%
JPM
0.0%
Operating Margin
BOTJ
28.19%
JPM
41.06%
Profit Margin
BOTJ
16.61%
JPM
33.91%
ROE
BOTJ
10.86%
JPM
16.13%
ROA
BOTJ
0.78%
JPM
1.35%

Growth

Revenue Growth
BOTJ
10.1%
JPM
2.5%
Earnings Growth
BOTJ
38.3%
JPM
-3.6%

Financial Health

Debt/Equity
BOTJ
--
JPM
--
Current Ratio
BOTJ
--
JPM
--
Quick Ratio
BOTJ
--
JPM
--

Dividends

Dividend Yield
BOTJ
2.21%
JPM
2.11%
Payout Ratio
BOTJ
22.86%
JPM
28.97%

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
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

BOTJ vs JPM: Head-to-Head Comparison

This page compares Bank of the James Financial Group, Inc. (BOTJ) and JPMorgan Chase & Co. (JPM) 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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