Bank of the James Financial Group (BOTJ) vs Summit State Bank (SSBI)
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 Summit State Bank (SSBI) over the past year, gaining 72.1% versus a gain of 5.5%. Over five years, BOTJ leads with a +84.5% price change compared with -25.6% for SSBI. Bank of the James Financial Group is the larger company by market cap ($123.1 million vs $85.7 million), about 1.4 times the size.
On valuation, Bank of the James Financial Group trades at a lower trailing P/E (10.7x vs 38.4x for Summit State Bank). Bank of the James Financial Group pays a dividend yielding 1.48%, while Summit State Bank 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 | SSBI |
|---|---|---|
| Share price | $27.09 | $12.66 |
| Market cap | $123.06M | $85.67M |
| 1-day change | -0.68% | +0.64% |
| YTD return | +45.78% | +8.86% |
| 1-year return | +72.08% | +5.50% |
| 5-year return | +84.50% | -25.57% |
| P/E ratio (TTM) | 10.71 | 38.36 |
| EPS (TTM) | $2.53 | $0.33 |
| Dividend yield | 1.48% | 0.00% |
| Annual dividend | $0.40 | $0.00 |
| 52-week high | $29.79 | $14.00 |
| 52-week low | $14.44 | $10.35 |
| Distance from 52-week high | -9.08% | -9.57% |
| Average volume | 37.55K | 5.04K |
| Shares outstanding | 4.54M | 6.77M |
| Employees | 162 | — |
| Sector | Financial Services | Finance |
| Industry | Banks - Regional | 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
- BOTJ has outperformed SSBI by 66.6 percentage points over the past year.
- Summit State Bank trades at a higher earnings multiple (38.4x vs 10.7x trailing P/E).
- Bank of the James Financial Group offers a meaningfully higher dividend yield (1.48% vs 0.00%).
- The two companies sit in different sectors: Bank of the James Financial Group in Financial Services and Summit State Bank in Finance.
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.
Financial Services · Banks - Regional · 162 employees
BOTJ vs SSBI FAQ
Which is bigger, Bank of the James Financial Group or Summit State Bank?
Bank of the James Financial Group (BOTJ) is larger, with a market capitalization of $123.06M compared with $85.67M for Summit State Bank (SSBI).
Which stock has performed better over the past year, BOTJ or SSBI?
BOTJ returned +72.08% over the past 12 months, compared with +5.50% for SSBI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BOTJ or SSBI?
BOTJ has the lower trailing P/E at 10.7, versus 38.4 for SSBI. 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 Summit State Bank?
Bank of the James Financial Group pays a dividend yielding 1.48%, while Summit State Bank does not currently pay a regular dividend.
Are Bank of the James Financial Group and Summit State Bank in the same industry?
No. Bank of the James Financial Group is in the Financial Services sector, while Summit State Bank is in Finance.