Bank Of The James Financial Group Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Bank Of The James Financial Group Inc (BOTJ) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Bank Of The James Financial Group Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 51M vs 756,317M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+4.5% annualized vs trailing 12 months), vs accelerating (+9.7%) for its tracked peer group.
- Growth: Bank Of The James Financial Group Inc generated 4.1% revenue growth year over year in Q2 2026, vs 25.0% for its tracked competitors combined.
- Profitability: Its 24.2% net margin compares with 29.0% for the peer group.
- Scale: Bank Of The James Financial Group Inc ranks #174 of 216 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Bank Of The James Financial Group Inc accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.29M compares with $0.51M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
BOTJ Sales vs. its Competitors, Q2 2026
Bank Of The James Financial Group Inc reported revenue growth of 4.10 % year on year in Q2 2026, below its competitors' combined revenue growth of 25.04 %.
With a net margin of 24.22 %, Bank Of The James Financial Group Inc reported lower profitability than its competitors (28.95 %).
Bank Of The James Financial Group Inc generated 0.01 % of the combined sales of its peer group, up from 0.01 % a year earlier.
Bank Of The James Financial Group Inc vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Bank Of The James Financial Group Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Bank Of The James Financial Group Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (8) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Bank Of The James Financial Group Inc's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue -15.0% year over year, combined, vs 4.1% for Bank Of The James Financial Group Inc. Bank Of The James Financial Group Inc's share of combined industry revenue moved from 0.01% to 0.01%, a gain of 0.00 percentage points.
Bank Of The James Financial Group Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Bank Of The James Financial Group Inc | Yes | Yes | No | No |
| Competitors combined (181) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
BOTJ Stock Performance relative to its Competitors
BOTJ Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 5 | Enterprise Bancorp inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Bank Of The James Financial Group Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Bank Of The James Financial Group Inc's Comment on Competition and Industry Peers
Retail and Commercial Banking
The banking business is highly competitive. We compete with other commercial
banks, savings institutions, credit unions, mortgage banking firms, consumer
finance companies, securities brokerage firms, insurance companies, money market
mutual funds and other financial institutions operating in the Region 2000 market
area and elsewhere. Many of our nonbank competitors are not subject to the same
extensive federal regulations that govern federally-insured banks and state
regulations governing state chartered banks. As a result, such nonbank competitors
may have certain advantages over the Bank in providing certain services.
Virginia law permits statewide branching by banks. Consequently, the Bank’s
market area is a highly competitive, highly branched banking market. Competition
in the market area for loans to individuals, small businesses, and professional
concerns, the Bank’s target market, is keen, and pricing is important.
Most of the Bank’s competitors have substantially greater resources and
lending limits than the Bank and offer certain services, such as extensive and
established branch networks and trust services, that the Bank is not currently
providing. Deposit competition is strong and comes from institutions in the
market, U.S. Government securities, private issuers of debt obligations and
suppliers of other investment alternatives for depositors, among other sources.
As a result, the Bank has paid, and may in the future pay, above-market rates
to attract deposits.
Mortgage Banking
The Mortgage Division competes with large national and regional banks, credit
unions, regional mortgage lenders and local mortgage brokers. Following 2008,
the mortgage industry experienced consolidation. Despite the consolidation,
the competition with regard to price has increased as the remaining participants
struggle to achieve volume and profitability. The downturn in the housing markets
related to declines in real estate values, increased payment defaults and foreclosures
have had a dramatic effect on the secondary market. The guidelines surrounding
agency business (i.e., loans sold to Fannie Mae and Freddie Mac) have become
much more restrictive and the associated mortgage insurance for loans above
80 percent loan-to-value has continued to tighten. These changes in the conventional
market have caused a dramatic increase in government lending and state bond
programs. The Mortgage Division competes by attracting the top sales people
in the industry, providing an operational infrastructure that manages the guideline
changes efficiently and effectively, offering a product menu that is both competitive
in loan parameters as well as price, and providing consistently high quality
customer service.
The Mortgage Division, like other residential mortgage originators and lenders,
would be impacted by the inability of Fannie Mae, Freddie Mac, the FHA or the
VA to purchase loans. Although the Mortgage Division sells loans to various
intermediaries, the ability of these aggregators to purchase loans would be
limited if these government-sponsored entities cease to exist or materially
limit their purchases of mortgage loans.
Publicly Traded Peers of Bank Of The James Financial Group Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Bank Of The James Financial Group Inc | 123.62 | 51.20 |
| Jpmorgan Chase and Co | 906,840.78 | 186,328.00 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Wells Fargo and Company | 248,473.80 | 83,940.00 |
| Citigroup inc | 233,259.84 | 88,262.00 |
| Capital one financial corp | 122,021.31 | 51,099.00 |
| SUBTOTAL | 2,845,269.45 | 858,487.14 |
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Sources: Bank Of The James Financial Group Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Bank Of The James Financial Group Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Bank Of The James Financial Group Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Bank Of The James Financial Group Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Bank Of The James Financial Group Inc | 124 | 292,571 | 65,657 |
| Jpmorgan Chase and Co | 906,841 | 584,995 | 200,752 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Wells Fargo and Company | 248,474 | 351,213 | 95,100 |
| Citigroup inc | 233,260 | 390,540 | 72,049 |
| Capital one financial corp | 122,021 | 669,712 | 137,615 |
| PEERS TOTAL | 2,845,146 | 508,329 | 133,853 |
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Bank Of The James Financial Group Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Bank Of The James Financial Group Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Bank Of The James Financial Group Inc's industry classification, broader than the peer set above. Market cap in millions of $.Bank Of The James Financial Group Inc ranks #174 of 198 companies by market capitalization in its industry, holding 0.02 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 524, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 115,753 | 15.06 % |
| 2 | Deutsche Bank Aktiengesellschaft | 73,058 | 9.50 % |
| 3 | State Street Corp | 50,855 | 6.62 % |
| 4 | Fifth Third Bancorp | 47,474 | 6.18 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 174 | Bank Of The James Financial Group Inc | 122 | 0.02 % |
Market cap and industry share for the rest of Bank Of The James Financial Group Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Bank Of The James Financial Group Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 169 | Richmond Mutual Bancorporation Inc | 150 | 7.44 % |
| 170 | Sr Bancorp Inc | 147 | 27.12 % |
| 171 | F and m Bank Corp | 145 | 55.69 % |
| 172 | Rhinebeck Bancorp inc | 140 | 9.70 % |
| 173 | Security Federal Corp | 1,234 | 12.3% |
| 174 | Bank Of The James Financial Group Inc | 122 | 72.77 % |
| 175 | First Keystone Corporation | 1,234 | 12.3% |
| 176 | New Peoples Bankshares Inc | 1,234 | 12.3% |
| 177 | Cullman Bancorp Inc | 1,234 | 12.3% |
| 178 | Winchester Bancorp Inc | 1,234 | 12.3% |
| 179 | Union Bankshares Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Bank Of The James Financial Group Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Bank Of The James Financial Group Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (130 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 64.14 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 51.25 % | 49.90 % (avg) | +1.3 pp |
| Capital Intensity (Capex / Revenue) | - | 3.18 % (avg) | - |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Bank Of The James Financial Group Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (130 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.7x | 15.6x | -5.8x |
| EV / EBITDA | 1.8x | 6.2x | -4.4x |
| P/B | 1.4x | 1.3x | +0.1x |
| Return on Equity | 14.30 % | industry aggregate | 3.42 % |
| Return on Invested Capital | - | 3.20 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Bank Of The James Financial Group Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2018 | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 8.92 % | 13.48 % | 12.72 % | 7.55 % | 14.75 % | -2.42 % | 5.24 % | 8.14 % |
| Operating Margin | 21.96 % | 23.94 % | 22.21 % | 18.40 % | 25.34 % | 24.02 % | 22.04 % | 22.89 % |
| Return on Invested Capital | 4.91 % | 5.71 % | 5.24 % | 4.19 % | 1.95 % | 1.02 % | 0.94 % | 6.47 % |
| P/E | 20.4x | 10.2x | 10.7x | - | 6.4x | 5.8x | 8.3x | 9.0x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Bank Of The James Financial Group Inc's BCG Growth-Share Matrix
Relative market share (vs Bank Of The James Financial Group Inc's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Bank Of The James Financial Group Inc falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 12.3% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Bank Of The James Financial Group Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 524 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Bank Of The James Financial Group Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Bank Of The James Financial Group Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Bank Of The James Financial Group Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Bank Of The James Financial Group Inc falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Bank Of The James Financial Group Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+4.5% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 12.3% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Bank Of The James Financial Group Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Bank Of The James Financial Group Inc | 0.10 | 0.52 | 0.11 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Bank Of The James Financial Group Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Bank Of The James Financial Group Inc | Q2 2026 | +4.1 % | +19.8 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +23.8 % | +46.8 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Bank Of The James Financial Group Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Bank Of The James Financial Group Inc | Q2 2026 | - | +140.0 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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Bank Of The James Financial Group Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Bank Of The James Financial Group Inc | 1.10% | 3.42% | 14.30% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Bank Of The James Financial Group Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Bank Of The James Financial Group Inc | 10.76 | 2.41 |
| Jpmorgan Chase and Co | 14.17 | 4.87 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Wells Fargo and Company | 11.82 | 2.96 |
| Citigroup inc | 16.34 | 2.64 |
| Capital one financial corp | 11.69 | 2.39 |
| PEERS AVERAGE | 12.59 | 3.31 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.