Bank Of The James Financial Group vs Richmond Mutual Bancorporation
Bank Of The James Financial Group and Richmond Mutual Bancorporation are similar in size: $48.7m and $48.9m of revenue in their latest fiscal years. Richmond Mutual Bancorporation grew faster (12.5% against 9.7%). Richmond Mutual Bancorporation kept more of each dollar of sales as profit: a net margin of 23.7% against 18.5%.
| Latest fiscal year | Bank Of The James Financial GroupBOTJ, 2025 | Richmond Mutual BancorporationRMBI, 2025 |
|---|---|---|
| Revenue | $48.7m | $48.9m |
| Revenue growth | 9.7% | 12.5% |
| Net income | $9.0m | $11.6m |
| Operating margin | — | — |
| Net margin | 18.5% | 23.7% |
| Return on equity | 12.5% | 8.3% |
| Free cash flow | $10.5m | $14.6m |
| Cash | $84.5m | $33.1m |
| Total debt | $0 | $0 |
| Debt to equity | — | — |
| Dividend per share | $0.40 | $0.60 |
| Dividend yield | 1.7% | 3.5% |
| Share buybacks | — | $5.6m |
| Employees | 175 | 180 |
| Market value | $108m | $161m |
| Price vs our value range | — | — |
| Moat score | 66 (Moderate) | 51 (Moderate) |
| Insider trades, 12 months | 16 buys, 0 sales | 5 buys, 0 sales |