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BOTJ vs V

BOTJ
Bank of the James Financial Group, Inc.
NEUTRAL
Price
$18.12
Market Cap
$82.3M
Sector
Financial Services
AI Confidence
65%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
BOTJ
10.35
V
28.35
Forward P/E
BOTJ
--
V
20.79
P/B Ratio
BOTJ
1.07
V
15.09
P/S Ratio
BOTJ
1.73
V
14.08
EV/EBITDA
BOTJ
--
V
20.06

Profitability

Gross Margin
BOTJ
0.0%
V
97.78%
Operating Margin
BOTJ
28.19%
V
68.3%
Profit Margin
BOTJ
16.61%
V
50.23%
ROE
BOTJ
10.86%
V
53.95%
ROA
BOTJ
0.78%
V
18.36%

Growth

Revenue Growth
BOTJ
10.1%
V
14.6%
Earnings Growth
BOTJ
38.3%
V
17.4%

Financial Health

Debt/Equity
BOTJ
--
V
0.55
Current Ratio
BOTJ
--
V
1.11
Quick Ratio
BOTJ
--
V
0.72

Dividends

Dividend Yield
BOTJ
2.21%
V
0.89%
Payout Ratio
BOTJ
22.86%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

BOTJ vs V: Head-to-Head Comparison

This page compares Bank of the James Financial Group, Inc. (BOTJ) and Visa Inc. (V) 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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