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Comparative Price Performance Over Time

Compare Stocks - Price & Volume

CompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's Volume
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
$11.00
-3.9%
$12.69
$8.88
$15.00
$45.43M0.478,891 shs13,568 shs
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
$11.01
-0.8%
$10.34
$8.70
$12.25
$50.32M0.724,078 shs372 shs
Citizens Holding stock logo
CIZN
Citizens
$7.85
+1.3%
$7.80
$6.64
$12.73
$44.20MN/A7,208 shs101 shs
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
$12.73
+1.4%
$12.36
$11.41
$15.90
$60.09M0.131,186 shs10,728 shs
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Price Performance

Company1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year Performance
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
-2.88%-7.29%-11.24%-11.79%-21.84%
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
+0.91%+3.84%+9.36%-2.37%+24.02%
Citizens Holding stock logo
CIZN
Citizens
-0.26%-0.26%-1.40%-0.72%-37.80%
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
+1.43%+4.69%+0.56%+8.66%-2.30%

MarketRank™

CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & Valuation
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
3.4334 of 5 stars
0.05.01.70.03.02.51.9
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
N/AN/AN/AN/AN/AN/AN/AN/A
Citizens Holding stock logo
CIZN
Citizens
N/AN/AN/AN/AN/AN/AN/AN/A
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
3.6666 of 5 stars
0.05.01.70.02.93.31.9

Analyst Ratings

CompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current Price
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
N/AN/AN/AN/A
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
N/AN/AN/AN/A
Citizens Holding stock logo
CIZN
Citizens
N/AN/AN/AN/A
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
N/AN/AN/AN/A

Sales & Book Value

CompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/Book
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
$118.27M0.38$3.03 per share3.63$20.53 per share0.54
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
$52.23M0.96$2.65 per share4.15$13.21 per share0.83
Citizens Holding stock logo
CIZN
Citizens
$60.02M0.74$1.09 per share7.18$7.63 per share1.03
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
$72.85M0.82$2.66 per share4.79$25.98 per share0.49

Profitability & Earnings

CompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings Date
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
$5.70M$1.139.73N/A4.52%7.09%0.53%7/25/2024 (Estimated)
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
$8.70M$1.955.65N/A16.45%15.86%0.92%7/19/2024 (Estimated)
Citizens Holding stock logo
CIZN
Citizens
$1.85M$0.6412.27N/A5.28%9.16%0.26%N/A
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
$9.29M$1.428.96N/A11.50%7.47%0.62%8/6/2024 (Estimated)

Latest BOTJ, CIZN, BAFN, and PBHC Earnings

DateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails
4/29/2024Q1 2024
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
N/A$0.34+$0.34$0.34N/A$11.16 million
4/26/2024Q1 2024
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
N/A$0.48+$0.48$0.48N/A$10.26 million
4/25/2024Q1 2024
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
N/A$0.12+$0.12$0.13N/A$23.01 million
4/18/2024Q1 2024
Citizens Holding stock logo
CIZN
Citizens
N/A$0.51+$0.51$0.51N/A$13.63 million

Dividends

CompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive Growth
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
$0.322.91%+6.27%28.32%N/A
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
$0.403.63%+7.93%20.51%5 Years
Citizens Holding stock logo
CIZN
Citizens
$0.648.15%-9.14%100.00%N/A
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
$0.403.14%+14.47%28.17%4 Years

Latest BOTJ, CIZN, BAFN, and PBHC Dividends

AnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
4/16/2024
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
Quarterly$0.104.03%6/7/20246/7/20246/21/2024
4/23/2024
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
Quarterly$0.082.48%5/31/20246/1/20246/15/2024
4/1/2024
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
Quarterly$0.103.31%4/18/20244/19/20245/10/2024
3/5/2024
Citizens Holding stock logo
CIZN
Citizens
Quarterly$0.168.19%3/13/20243/14/20243/29/2024
(Data available from 1/1/2013 forward)

Debt

CompanyDebt-to-Equity RatioCurrent RatioQuick Ratio
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
0.27
0.98
0.90
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
N/A
0.77
0.77
Citizens Holding stock logo
CIZN
Citizens
N/A
0.54
0.54
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
0.37
0.73
0.73

Ownership

Institutional Ownership

CompanyInstitutional Ownership
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
16.88%
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
18.50%
Citizens Holding stock logo
CIZN
Citizens
9.74%
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
26.73%

Insider Ownership

CompanyInsider Ownership
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
19.15%
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
15.34%
Citizens Holding stock logo
CIZN
Citizens
8.90%
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
22.40%

Miscellaneous

CompanyEmployeesShares OutstandingFree FloatOptionable
BayFirst Financial Corp. stock logo
BAFN
BayFirst Financial
3044.13 million3.34 millionNot Optionable
Bank of the James Financial Group, Inc. stock logo
BOTJ
Bank of the James Financial Group
1724.57 million3.87 millionNot Optionable
Citizens Holding stock logo
CIZN
Citizens
2465.63 million5.13 millionNot Optionable
Pathfinder Bancorp, Inc. stock logo
PBHC
Pathfinder Bancorp
1614.72 million3.66 millionNot Optionable

BOTJ, CIZN, BAFN, and PBHC Headlines

Recent News About These Companies

Pathfinder Bank Continues To Support Fulton Block Builders.
Pathfinder Bancorp Inc.
Pathfinder Bancorp, Inc. Declares Dividend
Nissan Pathfinder Platinum is a Big Deal

New MarketBeat Followers Over Time

Media Sentiment Over Time

Company Descriptions

BayFirst Financial logo

BayFirst Financial

NASDAQ:BAFN
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in St. Petersburg, Florida.
Bank of the James Financial Group logo

Bank of the James Financial Group

NASDAQ:BOTJ
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. It offers checking, savings, individual retirement, and health care saving accounts, as well as other time deposits, including money market accounts and certificates of deposit. The company also provides loans to small- and medium-sized businesses for the purchases of equipment, facilities upgrades, inventory acquisition, and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans, such as lines of credit and overdraft lines of credit, as well as personal, automobile, installment, demand, and home equity loans for personal, family, or household purposes. In addition, it offers other banking services, including safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, treasury management, and credit card merchant services. Further, the company provides mortgage banking; investment advisory services; securities brokerage and investment services; and telephone and internet banking services comprising online bill pay, as well as acts as an agent for insurance and annuity products. The company was founded in 1999 and is headquartered in Lynchburg, Virginia.
Citizens logo

Citizens

NASDAQ:CIZN
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various commercial and personal banking products and services. It offers demand deposits; and savings and time deposit accounts. The company also provides secured and unsecured loans; mortgage loans; single and multi-family housing, farm, residential and commercial construction, and commercial real estate loans; commercial, industrial, and agricultural production loans; and consumer loans, as well as issues letters of credit. In addition, it offers personal and corporate trust services; credit life and title insurance; and online and mobile banking services. The company was founded in 1908 and is headquartered in Philadelphia, Mississippi.
Pathfinder Bancorp logo

Pathfinder Bancorp

NASDAQ:PBHC
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York.