BOTJ
Bank of the James Financial Group, Inc.
BOTJ offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
MS
Morgan Stanley
MS has the edge over BOTJ overall, supported by stronger modeled upside and 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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
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 MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
BOTJ Forward outlook
There aren't enough analyst estimates for BOTJ to show an outlook.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS 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.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over BOTJ on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS 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 MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
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 |
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has the edge over BOTJ on shareholder dilution, with a more favorable share count trend.
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 the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
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).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (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 MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
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.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% 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 MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.