Bank Of The James Financial Group vs Colony Bankcorp
Bank Of The James Financial Group is the larger business, with $48.7m of revenue in fiscal 2025 against $30.0m for Colony Bankcorp (1.6 times as much). Bank Of The James Financial Group grew faster (9.7% against -74.0%). Colony Bankcorp kept more of each dollar of sales as profit: a net margin of 22.0% against 18.5%.
| Latest fiscal year | Bank Of The James Financial GroupBOTJ, 2025 | Colony BankcorpCBAN, 2025 |
|---|---|---|
| Revenue | $48.7m | $30.0m |
| Revenue growth | 9.7% | -74.0% |
| Net income | $9.0m | $6.6m |
| Operating margin | — | — |
| Net margin | 18.5% | 22.0% |
| Return on equity | 12.5% | 2.0% |
| Free cash flow | $10.5m | −$6.9m |
| Cash | $84.5m | $258m |
| Total debt | $0 | $258m |
| Debt to equity | — | — |
| Dividend per share | $0.40 | — |
| Dividend yield | 1.7% | 2.1% |
| Share buybacks | — | $2.4m |
| Employees | 175 | 537 |
| Market value | $108m | $430m |
| Price vs our value range | — | — |
| Moat score | 66 (Moderate) | 49 (Moderate) |
| Insider trades, 12 months | 16 buys, 0 sales | 20 buys, 0 sales |