Bank of the James Financial Group (BOTJ) vs Pathfinder Bancorp (PBHC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Bank of the James Financial Group (BOTJ) has outperformed Pathfinder Bancorp (PBHC) over the past year, gaining 71.2% versus a gain of 13.9%. Over five years, BOTJ leads with a +85.0% price change compared with +8.0% for PBHC. Bank of the James Financial Group is the larger company by market cap ($123.4 million vs $109.9 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 1750.0x for Pathfinder Bancorp). Pathfinder Bancorp offers the higher dividend yield (2.29% vs 1.47%).
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 | PBHC |
|---|---|---|
| Share price | $27.16 | $17.50 |
| Market cap | $123.40M | $109.88M |
| 1-day change | +0.28% | +3.55% |
| YTD return | +46.18% | +24.03% |
| 1-year return | +71.25% | +13.86% |
| 5-year return | +85.01% | +8.02% |
| P/E ratio (TTM) | 10.74 | — |
| EPS (TTM) | $2.53 | $0.01 |
| Dividend yield | 1.47% | 2.29% |
| Annual dividend | $0.40 | $0.40 |
| 52-week high | $29.79 | $18.30 |
| 52-week low | $14.44 | $12.06 |
| Distance from 52-week high | -8.83% | -4.37% |
| Average volume | 37.65K | 7.77K |
| Shares outstanding | 4.54M | 4.90M |
| Employees | 162 | — |
| Sector | Finance | Financial Services |
| Industry | Major Banks | Banks - Regional |
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 PBHC by 57.4 percentage points over the past year.
- The two companies sit in different sectors: Bank of the James Financial Group in Finance and Pathfinder Bancorp in Financial Services.
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 Pathfinder Bancorp
PBHC stock →Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States.
Financial Services · Banks - Regional
BOTJ vs PBHC FAQ
Which is bigger, Bank of the James Financial Group or Pathfinder Bancorp?
Bank of the James Financial Group (BOTJ) is larger, with a market capitalization of $123.40M compared with $109.88M for Pathfinder Bancorp (PBHC).
Which stock has performed better over the past year, BOTJ or PBHC?
BOTJ returned +71.25% over the past 12 months, compared with +13.86% for PBHC (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Bank of the James Financial Group or Pathfinder Bancorp?
Pathfinder Bancorp has the higher yield at 2.29%, compared with 1.47% for Bank of the James Financial Group.
Are Bank of the James Financial Group and Pathfinder Bancorp in the same industry?
No. Bank of the James Financial Group is in the Finance sector, while Pathfinder Bancorp is in Financial Services.