Bank of the James Financial Group (BOTJ) vs Lake Shore Bancorp (LSBK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Bank of the James Financial Group (BOTJ) has outperformed Lake Shore Bancorp (LSBK) over the past year, gaining 72.1% versus a gain of 38.2%. Over five years, BOTJ leads with a +84.5% price change compared with +61.5% for LSBK. Lake Shore Bancorp is the larger company by market cap ($140.3 million vs $122.8 million), about 1.1 times the size.
On valuation, Bank of the James Financial Group trades at a lower trailing P/E (10.7x vs 15.5x for Lake Shore Bancorp). Lake Shore Bancorp offers the higher dividend yield (2.02% vs 1.48%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BOTJ | LSBK |
|---|---|---|
| Share price | $27.02 | $17.86 |
| Market cap | $122.76M | $140.27M |
| 1-day change | -0.24% | -0.50% |
| YTD return | +45.78% | +22.44% |
| 1-year return | +72.08% | +38.18% |
| 5-year return | +84.50% | +61.49% |
| P/E ratio (TTM) | 10.68 | 15.53 |
| EPS (TTM) | $2.53 | $1.15 |
| Dividend yield | 1.48% | 2.02% |
| Annual dividend | $0.40 | $0.36 |
| 52-week high | $29.79 | $19.09 |
| 52-week low | $14.44 | $12.50 |
| Distance from 52-week high | -9.30% | -6.44% |
| Average volume | 37.65K | 18.16K |
| Shares outstanding | 4.54M | 7.85M |
| Employees | 162 | 87 |
| Sector | Finance | Finance |
| Industry | Major Banks | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- BOTJ has outperformed LSBK by 33.9 percentage points over the past year.
- Lake Shore Bancorp trades at a higher earnings multiple (15.5x vs 10.7x trailing P/E).
About Bank of the James Financial Group
BOTJ stock →Bank of the James Financial Group, Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals, businesses, associations and organizations, and governmental authorities in Virginia, the United States.
Finance · Major Banks · 162 employees
About Lake Shore Bancorp
LSBK stock →Lake Shore Bancorp, Inc. operates as the bank holding company for Lake Shore Bank that provides banking products and services in New York.
Finance · Savings Institutions · 87 employees
BOTJ vs LSBK FAQ
Which is bigger, Bank of the James Financial Group or Lake Shore Bancorp?
Lake Shore Bancorp (LSBK) is larger, with a market capitalization of $140.27M compared with $122.76M for Bank of the James Financial Group (BOTJ).
Which stock has performed better over the past year, BOTJ or LSBK?
BOTJ returned +72.08% over the past 12 months, compared with +38.18% for LSBK (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BOTJ or LSBK?
BOTJ has the lower trailing P/E at 10.7, versus 15.5 for LSBK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Bank of the James Financial Group or Lake Shore Bancorp?
Lake Shore Bancorp has the higher yield at 2.02%, compared with 1.48% for Bank of the James Financial Group.
Are Bank of the James Financial Group and Lake Shore Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Bank of the James Financial Group and Savings Institutions for Lake Shore Bancorp.