BOTJ
Bank of the James Financial Group, Inc.
BOTJ has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over BOTJ overall, supported by stronger valuation.
BOTJ Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BOTJ's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BOTJ.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
BOTJ PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.2x | $16.39 | -34% |
| Fair | 8.7x | $23.04 | -7% |
| Current | 9.4x | $24.77 | — |
| Expensive | 11x | $29.29 | +18% |
Historical ranges are pointers, not guarantees.
BOTJ has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
BOTJ Forward outlook
There aren't enough analyst estimates for BOTJ to show an outlook.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
BOTJ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.64 | +50% |
| Q2 2026 | $2.52 | +58% |
| Q1 2026 | $2.41 | +65% |
| Q4 2025 | $1.99 | +14% |
| Q3 2025 | $1.76 | -4.9% |
| Q2 2025 | $1.59 | -15% |
| Q1 2025 | $1.46 | -26% |
| Q4 2024 | $1.75 | -8.4% |
BOTJ earned $2.64 per share over the past year, up 50% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over BOTJ on earnings, with more consistent year-over-year improvement.
BOTJ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $13.9M | +11% |
| Q2 2026 | $13.7M | +11% |
| Q1 2026 | $12.7M | +15% |
| Q4 2025 | $12.9M | +12% |
| Q3 2025 | $12.5M | +10% |
| Q2 2025 | $12.3M | +9.2% |
| Q1 2025 | $11M | +7.3% |
| Q4 2024 | $11.5M | +8.8% |
BOTJ's revenue has grown year over year for 10 quarters in a row: $14M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +4.2 points |
| Q2 2026 | 30% | +2.1 points |
| Q1 2026 | 27% | +18 points |
| Q4 2025 | 27% | +9.1 points |
| Q3 2025 | 26% | +4.1 points |
| Q2 2025 | 28% | +3.9 points |
| Q1 2025 | 9.4% | -17 points |
| Q4 2024 | 18% | -1.4 points |
BOTJ's operating margin was 30% last quarter, up 4.2 points from the same quarter a year ago, near the top of its range since 2019.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over BOTJ on profitability, with a higher operating margin.
BOTJ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.2M | +14% |
| Q2 2026 | $332K | -91% |
| Q1 2026 | $4.4M | +2990% |
| Q4 2025 | $1.3M | -13% |
| Q3 2025 | $5.5M | +64% |
| Q2 2025 | $3.5M | +27% |
| Q1 2025 | $141K | +$1.9M |
| Q4 2024 | $1.5M | -55% |
BOTJ has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
BOTJ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | 0% | -- |
| 5 years | -4.2% | -197K shares |
| Available history | -5.7% | -276K shares |
BOTJ has 5M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $184,000 |
| Q1 2023 | $813,000 |
| Q4 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | $215,000 |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over BOTJ on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
BOTJ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.7x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.6x | Net Cash |
| Q3 2025 | -1.8x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
BOTJ has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BOTJ.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over BOTJ on leverage, with a lower net debt burden relative to earnings.
BOTJ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.4 | Neutral |
| Stochastic | 14.7 | Oversold |
BOTJ's weekly RSI is 47 (neutral) and its Stochastic is 15 (oversold).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
BOTJ PE vs Financial Services Sector
| Metric | BOTJ | Sector median | Relative |
|---|---|---|---|
| PE | 9.4x | 13x | 28% below |
| PE % | 53 | 63 | 10 pts below |
BOTJ has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
BOTJ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.3 | 5.9% below |
| 20 week MA | $26.7 | 7.2% below |
| 50 week MA | $23.3 | 6.5% above |
| 100 week MA | $18.9 | 31% above |
| 200 week MA | $15.2 | 63% above |
BOTJ has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 63% above its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
BOTJ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.0 | $11.1 | -21% |
| 2021 | $11.1 | $16.0 | +45% |
| 2022 | $16.0 | $11.9 | -26% |
| 2023 | $11.9 | $12.2 | +2.7% |
| 2024 | $12.2 | $15.5 | +27% |
| 2025 | $15.5 | $18.2 | +17% |
| 2026 YTD | $18.2 | $24.8 | +36% |
BOTJ has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.