Bank of Botetourt Buchanan VA (BORT)
OTHER OTC:BORT
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Bank of Botetourt Buchanan VA
(OTC:BORT)
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Rating:80Outperform
Price Target:
$53.00
▲(17.83% Upside)
Action:ReiteratedDate:03/24/26
The score is primarily supported by strong financial performance—especially the very low-leverage balance sheet and solid profitability—along with an attractive low P/E and a moderate dividend. Technicals add a smaller boost, reflecting a mild uptrend with broadly neutral momentum.
Positive Factors
Conservative Balance Sheet
Exceptionally low leverage (debt-to-equity ~0.003) and steadily growing equity provide durable capital strength. This limits solvency and funding risks, supports continued lending capacity and regulatory buffers, and enhances resilience through economic cycles over months.
Negative Factors
Margin Compression
Net margin declined from ~26% in 2024 to ~20% in 2025, signaling pressure on earnings efficiency. If driven by sustained funding cost or yield shifts or fee weakness, continued margin erosion could reduce ROE and slow capital accumulation absent revenue mix improvements.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Exceptionally low leverage (debt-to-equity ~0.003) and steadily growing equity provide durable capital strength. This limits solvency and funding risks, supports continued lending capacity and regulatory buffers, and enhances resilience through economic cycles over months.
Read all positive factors
Bank of Botetourt Buchanan VA (BORT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$94.38M
Dividend Yield2.02%
Average Volume (3M)224.00
Price to Earnings (P/E)8.0
Beta (1Y)-0.02
Revenue Growth15.57%
EPS Growth30.24%
CountryUS
Employees97
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.31
Shares Outstanding1,926,919
10 Day Avg. Volume275
30 Day Avg. Volume224
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)0.92
Price to Sales (P/S)1.60
P/FCF Ratio8.68
Enterprise Value/Market Cap0.88
Enterprise Value/Revenue1.96
Enterprise Value/Gross Profit2.44
Enterprise Value/Ebitda7.27
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bank of Botetourt Buchanan VA Business Overview & Revenue Model
Company Description
Bank of Botetourt provides various banking products and services in Virginia. It offers checking, savings, money market, and individual retirement accounts; and certificates of deposit. The company also provides residential mortgage, home equity, ...
How the Company Makes Money
Bank of Botetourt primarily makes money through net interest income and non-interest income. Net interest income is generated by earning interest on loans and other interest-earning assets (e.g., commercial and consumer loans and any investment se...
Bank of Botetourt Buchanan VA Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
92
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 42.48M | 53.90M | 30.43M | 29.15M | 30.93M | 27.79M |
| Gross Profit | 34.16M | 36.90M | 30.43M | 29.15M | 28.62M | 25.16M |
| EBITDA | 11.48M | 13.63M | 11.06M | 11.23M | 10.81M | 9.51M |
| Net Income | 9.13M | 10.80M | 7.94M | 8.17M | 7.81M | 6.88M |
Balance Sheet | ||||||
| Total Assets | 886.26M | 923.10M | 857.07M | 789.02M | 713.72M | 662.23M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 14.33M | 66.76M | 69.21M | 100.66M | 142.93M |
| Total Debt | 0.00 | 314.01K | 0.00 | 19.00M | 0.00 | 3.00M |
| Total Liabilities | 798.47M | 829.58M | 774.56M | 714.25M | 647.32M | 603.09M |
| Stockholders Equity | 87.79M | 93.52M | 82.51M | 74.78M | 66.39M | 59.14M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 9.97M | 7.40M | 9.13M | 9.28M | 6.25M |
| Operating Cash Flow | 0.00 | 11.52M | 11.20M | 10.61M | 9.90M | 8.05M |
| Investing Cash Flow | 0.00 | -75.75M | -71.04M | -105.05M | -101.61M | -23.65M |
| Financing Cash Flow | 0.00 | 53.91M | 56.86M | 62.99M | 49.52M | 59.82M |
Bank of Botetourt Buchanan VA Technical Analysis
Positive
44.98
Price Trends
46.03
Positive
44.77
Positive
41.05
Positive
Market Momentum
0.49
Negative
65.87
Neutral
77.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BORT, the sentiment is Positive. The current price of 44.98 is below the 20-day moving average (MA) of 46.65, below the 50-day MA of 46.03, and above the 200-day MA of 41.05, indicating a bullish trend. The MACD of 0.49 indicates Negative momentum. The RSI at 65.87 is Neutral, neither overbought nor oversold. The STOCH value of 77.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BORT.
Bank of Botetourt Buchanan VA Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $94.38M | 8.00 | 12.11% | 2.02% | 15.57% | 30.24% | |
78 Outperform | $101.32M | 9.36 | 12.15% | 2.18% | 6.17% | -6.13% | |
68 Neutral | $90.60M | 11.51 | 6.89% | ― | -0.81% | -129.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $89.98M | 10.25 | 12.01% | 6.51% | 6.31% | -5.00% | |
65 Neutral | $87.58M | 13.56 | 5.80% | 2.08% | 1.03% | -35.72% | |
46 Neutral | $95.73M | -21.37 | -2.76% | 2.88% | 8.02% | 21.36% |
* Financial Sector Average
BORT
Bank of Botetourt Buchanan VA
48.98
16.73
51.86%
BOTJ
Bank Of The Jame Financial
22.30
8.64
63.21%
SSBI
Summit State Bank
13.57
5.05
59.27%
UBCP
United Bancorp
15.63
3.72
31.26%
FUSB
First US Bancshares
15.50
2.85
22.50%
FNWB
First Northwest Bancorp
10.13
-0.15
-1.43%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.