BOTJ
Bank of the James Financial Group, Inc.
Banks - Regional
Market Cap$112M
5Y Perf.+188.2%
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CZWI
MNSB
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Stock Comparison
BOTJ vs CZWI vs MNSB
Revenue, margins, valuation, and 5-year total return — side by side.
CZWI
Citizens Community Bancorp, Inc.
Banks - Regional
Market Cap$207M
5Y Perf.+212.8%
MNSB
MainStreet Bancshares, Inc.
Banks - Regional
Market Cap$184M
5Y Perf.+88.9%
BOTJ vs CZWI vs MNSB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  BOTJ |  CZWI |  MNSB |
|---|---|---|---|
| Industry | Banks - Regional | Banks - Regional | Banks - Regional |
| Market Cap | $112M | $207M | $184M |
| Revenue (TTM) | $62M | $90M | $135M |
| Net Income (TTM) | $9M | $14M | $16M |
| Gross Margin | 77.7% | 54.7% | 54.3% |
| Operating Margin | 18.0% | 7.0% | 14.1% |
| Forward P/E | 12.4x | 11.8x | 11.0x |
| Total Debt | $9M | $52M | $70M |
| Cash & Equiv. | $29M | $119M | $26M |
BOTJ vs CZWI vs MNSB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BOTJ
CZWI
MNSB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Bank of the James F… (BOTJ) | 100 | 288.2 | +188.2% |
| Citizens Community … (CZWI) | 100 | 312.8 | +212.8% |
| MainStreet Bancshar… (MNSB) | 100 | 188.9 | +88.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BOTJ vs CZWI vs MNSB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BOTJ leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. MainStreet Bancshares, Inc. is the stronger pick specifically for profitability and margin quality and operational efficiency and capital deployment. As sector peers, any of these can serve as alternatives in the same allocation.
🥇BOTJ emerged as the overall leader. Track its performance:
BOTJ
Bank of the James Financial Group, Inc.
The Banking Pick
BOTJ carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 6.0%, EPS growth 13.7%
- 155.2% 10Y total return vs CZWI's 149.0%
- Lower volatility, beta 0.15, Low D/E 11.0%, current ratio 496.36x
Best for: growth exposure and long-term compounding
CZWI
Citizens Community Bancorp, Inc.
The Banking Pick
CZWI is the clearest fit if your priority is income & stability and defensive.
- Dividend streak 6 yrs, beta 0.50, yield 1.7%
- Beta 0.50, yield 1.7%, current ratio 3015.31x
- 1.7% yield, 6-year raise streak, vs BOTJ's 1.6%
Best for: income & stability and defensive
MNSB
MainStreet Bancshares, Inc.
The Banking Pick
MNSB is the clearest fit if your priority is quality and efficiency.
- Efficiency ratio 0.4% vs BOTJ's 0.6% (lower = leaner)
- Efficiency ratio 0.4% vs BOTJ's 0.6%
Best for: quality and efficiency
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  BOTJ | 6.0% NII/revenue growth vs CZWI's -9.4% |
| Value | BOTJ | PEG 0.90 vs 2.32 |
| Quality / Margins |  MNSB | Efficiency ratio 0.4% vs BOTJ's 0.6% (lower = leaner) |
| Stability / Safety | BOTJ | Beta 0.15 vs MNSB's 0.60, lower leverage |
| Dividends |  CZWI | 1.7% yield, 6-year raise streak, vs BOTJ's 1.6% |
| Momentum (1Y) | BOTJ | +75.9% vs MNSB's +37.2% |
| Efficiency (ROA) | MNSB | Efficiency ratio 0.4% vs BOTJ's 0.6% |
BOTJ vs CZWI vs MNSB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
FY 2025
BOTJ vs CZWI vs MNSB — Financial Metrics
Side-by-side numbers across 3 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBOTJLAGGINGMNSB
Who Leads Where
BOTJ leads in 4 of 6 categories
CZWI leads 1 • MNSB leads 0 • 1 tied
Explore the data ↓MNSBMainStreet Bancshares…
0leads
CZWICitizens Community Ba…
1leads
BOTJBank of the James Fin…
4leads
6 Total Categories
CATEGORYLEADERvs CZWIvs MNSBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BOTJ3/5
Valuation MetricsMultiples, price ratios, and targets
BOTJ4/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BOTJ7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
BOTJ5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
CZWI2/2
Income & Cash Flow (Last 12 Months)
BOTJ leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MNSB is the larger business by revenue, generating $135M annually — 2.2x BOTJ's $62M. Profitability is closely matched — net margins range from 16.0% (CZWI) to 11.5% (MNSB).
| Metric | BOTJBank of the James… | CZWICitizens Communit… | MNSBMainStreet Bancsh… |
|---|---|---|---|
| RevenueTrailing 12 months | $62M | $90M | $135M |
| EBITDAEarnings before interest/tax | $12M | $9M | $23M |
| Net IncomeAfter-tax profit | $9M | $14M | $16M |
| Free Cash FlowCash after capex | $10M | $11M | $11M |
| Gross MarginGross profit ÷ Revenue | +77.7% | +54.7% | +54.3% |
| Operating MarginEBIT ÷ Revenue | +18.0% | +7.0% | +14.1% |
| Net MarginNet income ÷ Revenue | +14.6% | +16.0% | +11.5% |
| FCF MarginFCF ÷ Revenue | +16.6% | +12.4% | +7.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +66.7% | +63.0% | +120.9% |
BOTJ leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
BOTJ leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 12.4x trailing earnings, BOTJ trades at a 15% valuation discount to CZWI's 14.7x P/E. Adjusting for growth (PEG ratio), BOTJ offers better value at 0.90x vs CZWI's 2.90x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | BOTJBank of the James… | CZWICitizens Communit… | MNSBMainStreet Bancsh… |
|---|---|---|---|
| Market CapShares × price | $112M | $207M | $184M |
| Enterprise ValueMkt cap + debt − cash | $93M | $140M | $227M |
| Trailing P/EPrice ÷ TTM EPS | 12.44x | 14.70x | 14.16x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 11.79x | 11.03x |
| PEG RatioP/E ÷ EPS growth rate | 0.90x | 2.90x | — |
| EV / EBITDAEnterprise value multiple | 7.44x | 15.69x | 11.90x |
| Price / SalesMarket cap ÷ Revenue | 1.80x | 2.29x | 1.35x |
| Price / BookPrice ÷ Book value/share | 1.41x | 1.11x | 0.87x |
| Price / FCFMarket cap ÷ FCF | 10.72x | 19.90x | 17.26x |
BOTJ leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
BOTJ leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
BOTJ delivers a 12.1% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $7 for MNSB. BOTJ carries lower financial leverage with a 0.11x debt-to-equity ratio, signaling a more conservative balance sheet compared to MNSB's 0.32x. On the Piotroski fundamental quality scale (0–9), BOTJ scores 7/9 vs MNSB's 5/9, reflecting strong financial health.
| Metric | BOTJBank of the James… | CZWICitizens Communit… | MNSBMainStreet Bancsh… |
|---|---|---|---|
| ROE (TTM)Return on equity | +12.1% | +7.8% | +7.3% |
| ROA (TTM)Return on assets | +0.9% | +0.8% | +0.7% |
| ROICReturn on invested capital | +9.7% | +2.0% | +5.0% |
| ROCEReturn on capital employed | +2.0% | +0.6% | +6.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 | 5 |
| Debt / EquityFinancial leverage | 0.11x | 0.28x | 0.32x |
| Net DebtTotal debt minus cash | -$20M | -$67M | $43M |
| Cash & Equiv.Liquid assets | $29M | $119M | $26M |
| Total DebtShort + long-term debt | $9M | $52M | $70M |
| Interest CoverageEBIT ÷ Interest expense | 0.80x | 0.16x | 0.31x |
BOTJ leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
BOTJ leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CZWI five years ago would be worth $16,900 today (with dividends reinvested), compared to $11,813 for MNSB. Over the past 12 months, BOTJ leads with a +75.9% total return vs MNSB's +37.2%. The 3-year compound annual growth rate (CAGR) favors BOTJ at 42.8% vs MNSB's 4.2% — a key indicator of consistent wealth creation.
| Metric | BOTJBank of the James… | CZWICitizens Communit… | MNSBMainStreet Bancsh… |
|---|---|---|---|
| YTD ReturnYear-to-date | +34.6% | +24.3% | +26.5% |
| 1-Year ReturnPast 12 months | +75.9% | +52.1% | +37.2% |
| 3-Year ReturnCumulative with dividends | +191.2% | +153.7% | +13.1% |
| 5-Year ReturnCumulative with dividends | +55.8% | +69.0% | +18.1% |
| 10-Year ReturnCumulative with dividends | +155.2% | +149.0% | +135.4% |
| CAGR (3Y)Annualised 3-year return | +42.8% | +36.4% | +4.2% |
BOTJ leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — BOTJ and MNSB each lead in 1 of 2 comparable metrics.
Risk & Volatility
BOTJ is the less volatile stock with a 0.15 beta — it tends to amplify market swings less than MNSB's 0.60 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. MNSB currently trades 99.0% from its 52-week high vs BOTJ's 93.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BOTJBank of the James… | CZWICitizens Communit… | MNSBMainStreet Bancsh… |
|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.15x | 0.50x | 0.60x |
| 52-Week HighHighest price in past year | $26.49 | $22.62 | $25.17 |
| 52-Week LowLowest price in past year | $13.00 | $12.83 | $17.86 |
| % of 52W HighCurrent price vs 52-week peak | +93.5% | +94.9% | +99.0% |
| RSI (14)Momentum oscillator 0–100 | 72.9 | 51.2 | 65.3 |
| Avg Volume (50D)Average daily shares traded | 14K | 41K | 45K |
Evenly matched — BOTJ and MNSB each lead in 1 of 2 comparable metrics.
Analyst Outlook
CZWI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: CZWI as "Buy", MNSB as "Hold". For income investors, CZWI offers the higher dividend yield at 1.73% vs MNSB's 1.60%.
| Metric | BOTJBank of the James… | CZWICitizens Communit… | MNSBMainStreet Bancsh… |
|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy | Hold |
| Price TargetConsensus 12-month target | — | — | — |
| # AnalystsCovering analysts | — | 2 | 1 |
| Dividend YieldAnnual dividend ÷ price | +1.6% | +1.7% | +1.6% |
| Dividend StreakConsecutive years of raises | 0 | 6 | 0 |
| Dividend / ShareAnnual DPS | $0.40 | $0.37 | $0.40 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.0% | +2.4% |
CZWI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BOTJ leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). CZWI leads in 1 (Analyst Outlook). 1 tied.
Best OverallBank of the James Financial… (BOTJ)Leads 4 of 6 categories
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BOTJ vs CZWI vs MNSB: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is BOTJ or CZWI or MNSB a better buy right now?
For growth investors, Bank of the James Financial Group, Inc.
(BOTJ) is the stronger pick with 6. 0% revenue growth year-over-year, versus -9. 4% for Citizens Community Bancorp, Inc. (CZWI). Bank of the James Financial Group, Inc. (BOTJ) offers the better valuation at 12. 4x trailing P/E, making it the more compelling value choice. Analysts rate Citizens Community Bancorp, Inc. (CZWI) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BOTJ or CZWI or MNSB?
On trailing P/E, Bank of the James Financial Group, Inc.
(BOTJ) is the cheapest at 12. 4x versus Citizens Community Bancorp, Inc. at 14. 7x. On forward P/E, MainStreet Bancshares, Inc. is actually cheaper at 11. 0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — BOTJ or CZWI or MNSB?
Over the past 5 years, Citizens Community Bancorp, Inc.
(CZWI) delivered a total return of +69. 0%, compared to +18. 1% for MainStreet Bancshares, Inc. (MNSB). Over 10 years, the gap is even starker: BOTJ returned +155. 2% versus MNSB's +135. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BOTJ or CZWI or MNSB?
By beta (market sensitivity over 5 years), Bank of the James Financial Group, Inc.
(BOTJ) is the lower-risk stock at 0. 15β versus MainStreet Bancshares, Inc. 's 0. 60β — meaning MNSB is approximately 287% more volatile than BOTJ relative to the S&P 500. On balance sheet safety, Bank of the James Financial Group, Inc. (BOTJ) carries a lower debt/equity ratio of 11% versus 32% for MainStreet Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — BOTJ or CZWI or MNSB?
By revenue growth (latest reported year), Bank of the James Financial Group, Inc.
(BOTJ) is pulling ahead at 6. 0% versus -9. 4% for Citizens Community Bancorp, Inc. (CZWI). On earnings-per-share growth, the picture is similar: MainStreet Bancshares, Inc. grew EPS 210. 0% year-over-year, compared to 9. 0% for Citizens Community Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BOTJ or CZWI or MNSB?
Citizens Community Bancorp, Inc.
(CZWI) is the more profitable company, earning 16. 0% net margin versus 11. 5% for MainStreet Bancshares, Inc. — meaning it keeps 16. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BOTJ leads at 17. 8% versus 7. 0% for CZWI. At the gross margin level — before operating expenses — BOTJ leads at 77. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BOTJ or CZWI or MNSB more undervalued right now?
On forward earnings alone, MainStreet Bancshares, Inc.
(MNSB) trades at 11. 0x forward P/E versus 11. 8x for Citizens Community Bancorp, Inc. — 0. 8x cheaper on a one-year earnings basis.
08Which pays a better dividend — BOTJ or CZWI or MNSB?
All stocks in this comparison pay dividends.
Citizens Community Bancorp, Inc. (CZWI) offers the highest yield at 1. 7%, versus 1. 6% for MainStreet Bancshares, Inc. (MNSB).
09Is BOTJ or CZWI or MNSB better for a retirement portfolio?
For long-horizon retirement investors, Bank of the James Financial Group, Inc.
(BOTJ) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 15), 1. 6% yield, +155. 2% 10Y return). Both have compounded well over 10 years (BOTJ: +155. 2%, MNSB: +135. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BOTJ and CZWI and MNSB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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