COMP <GO>
PNBK vs BOTJ // EV/EBITDA & P/E VALUATION
Patriot National Bancorp Inc. (NASDAQ) VS. Bank of the James Financial Group Inc. (NASDAQ) • 15-METRIC TALLY: PNBK 1
— BOTJ 5
■ METRIC PARITY
LAST: $0.83 (-1.31%) • MKT CAP: $100.2M
valuation
—
LAST: $23.76 (+0.38%) • MKT CAP: $107.5M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PNBK VS. BOTJ)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PNBK | BOTJ | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -13.40% | 11.30% | -24.70 | BOTJ | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -14.31% | 9.76% | -24.07 | BOTJ | /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 | 0.00% | 1.69% | -1.69 | BOTJ | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 1/9 | 5/9 | -4.00 | BOTJ | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.4 | 29.1 | +21.23 | PNBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 11.1x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $100.2M | $107.5M | -$7.3M | BOTJ | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PNBK REV | BOTJ REV | PNBK GROSS % | BOTJ GROSS % | PNBK FCF | BOTJ FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | -$14.3M | $10.5M |
| FY 2024 | $0 | $0 | — | — | $2.6M | $6.0M |
| FY 2023 | $0 | $0 | — | — | -$10.7M | $9.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PNBK // BETA —
BOTJ // BETA —