Bank Of The James Financial Group vs CB Financial Services
Bank Of The James Financial Group and CB Financial Services are similar in size: $48.7m and $43.5m of revenue in their latest fiscal years. Bank Of The James Financial Group grew faster (9.7% against -15.5%). Bank Of The James Financial Group kept more of each dollar of sales as profit: a net margin of 18.5% against 11.3%.
| Latest fiscal year | Bank Of The James Financial GroupBOTJ, 2025 | CB Financial ServicesCBFV, 2025 |
|---|---|---|
| Revenue | $48.7m | $43.5m |
| Revenue growth | 9.7% | -15.5% |
| Net income | $9.0m | $4.9m |
| Operating margin | — | — |
| Net margin | 18.5% | 11.3% |
| Return on equity | 12.5% | 3.2% |
| Free cash flow | $10.5m | $17.2m |
| Cash | $84.5m | $31.7m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.40 | $1.02 |
| Dividend yield | 1.7% | 2.7% |
| Share buybacks | — | $6.8m |
| Employees | 175 | — |
| Market value | $108m | $205m |
| Price vs our value range | — | — |
| Moat score | 66 (Moderate) | 50 (Moderate) |
| Insider trades, 12 months | 16 buys, 0 sales | 1 buys, 19 sales |