COMP <GO>
BOTJ vs OPHC // RETURN ON INVESTED CAPITAL (ROIC)
Bank of the James Financial Group Inc. (NASDAQ) VS. OptimumBank Holdings Inc. (NYSE) • 15-METRIC TALLY: BOTJ 1
— OPHC 5
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: OPHC
LAST: $23.76 (+0.38%) • MKT CAP: $107.5M
roic
11.30%
LAST: $9.15 (+0.33%) • MKT CAP: $115.1M
roic
13.70%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BOTJ VS. OPHC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BOTJ | OPHC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 11.30% | 13.70% | -2.40 | OPHC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.76% | 14.72% | -4.96 | OPHC | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.69% | 0.00% | +1.69 | BOTJ | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 29.1 | 60.5 | -31.39 | OPHC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.1x | 6.4x | +4.70 | OPHC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $107.5M | $115.1M | -$7.6M | OPHC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BOTJ REV | OPHC REV | BOTJ GROSS % | OPHC GROSS % | BOTJ FCF | OPHC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $10.5M | $16.9M |
| FY 2024 | $0 | $0 | — | — | $6.0M | $14.6M |
| FY 2023 | $0 | $0 | — | — | $9.5M | $6.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BOTJ // BETA —
OPHC // BETA —