Is BOTJ or BSBK more undervalued in 2026?

CirclFi compares Bank of the James Financial Gro (BOTJ) and Bogota Financial Corp. (BSBK) using 13 institutional-grade valuation models. BOTJ has a Quality of Company score of 9.5/10 while BSBK scores 8.0/10.

Which is a better buy — BOTJ or BSBK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do BOTJ and BSBK valuations compare?

BOTJ at $22.86 and BSBK at $8.41 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BOTJ vs BSBK Valuation Comparison 2026 — Intrinsic Value Analysis

BOTJ

Banks - Regional

Bank of the James Financial Gro

Quality

9.5

out of 10

Value Trap

SAFE

Price

$22.86

Last close

Models

11/13

Active

BSBK

Banks - Regional

Bogota Financial Corp.

Quality

8.0

out of 10

Value Trap

SAFE

Price

$8.41

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	BOTJ Fair Value	BOTJ Upside	BSBK Fair Value	BSBK Upside
Bayesian DCF	Intrinsic	$24.94	+9.1%	$2.67	-68.3%
Earnings Power Value	Intrinsic	$39.02	+70.7%	$7.89	-6.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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BOTJ vs BSBK — Which Stock Is More Undervalued?

BOTJ scores higher with a 9.5/10 quality rating vs BSBK's 8.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Bank of the James Financial Gro (BOTJ) and Bogota Financial Corp. (BSBK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

BOTJ currently trades at $22.86 with a QOC of 9.5/10, while BSBK trades at $8.41 with a QOC of 8.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).