Bank of the James Financial Group (BOTJ) vs OptimumBank (OPHC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
OptimumBank (OPHC) has outperformed Bank of the James Financial Group (BOTJ) over the past year, gaining 119.0% versus a gain of 72.1%. Over five years, BOTJ leads with a +84.5% price change compared with +55.1% for OPHC. Bank of the James Financial Group is the larger company by market cap ($123.1 million vs $114.8 million), about 1.1 times the size.
On valuation, OptimumBank trades at a lower trailing P/E (10.4x vs 10.7x for Bank of the James Financial Group). Bank of the James Financial Group pays a dividend yielding 1.48%, while OptimumBank does not currently pay one.
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 | OPHC |
|---|---|---|
| Share price | $27.09 | $9.09 |
| Market cap | $123.06M | $114.81M |
| 1-day change | -0.68% | +3.18% |
| YTD return | +45.78% | +113.88% |
| 1-year return | +72.08% | +119.04% |
| 5-year return | +84.50% | +55.12% |
| P/E ratio (TTM) | 10.71 | 10.45 |
| Forward P/E | — | 6.73 |
| EPS (TTM) | $2.53 | $0.87 |
| Dividend yield | 1.48% | 0.00% |
| Annual dividend | $0.40 | $0.00 |
| 52-week high | $29.79 | $10.68 |
| 52-week low | $14.44 | $3.91 |
| Distance from 52-week high | -9.08% | -14.89% |
| Average volume | 37.55K | 123.39K |
| Shares outstanding | 4.54M | 12.63M |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
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
- OPHC has outperformed BOTJ by 47.0 percentage points over the past year.
- Bank of the James Financial Group offers a meaningfully higher dividend yield (1.48% vs 0.00%).
BOTJ vs OPHC FAQ
Which is bigger, Bank of the James Financial Group or OptimumBank?
Bank of the James Financial Group (BOTJ) is larger, with a market capitalization of $123.06M compared with $114.81M for OptimumBank (OPHC).
Which stock has performed better over the past year, BOTJ or OPHC?
OPHC returned +119.04% over the past 12 months, compared with +72.08% for BOTJ (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BOTJ or OPHC?
OPHC has the lower trailing P/E at 10.4, versus 10.7 for BOTJ. 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 OptimumBank?
Bank of the James Financial Group pays a dividend yielding 1.48%, while OptimumBank does not currently pay a regular dividend.
Are Bank of the James Financial Group and OptimumBank in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.