BOTJ
Price
$18.21
Change
-$0.47 (-2.52%)
Updated
Dec 26 closing price
Capitalization
82.73M
Intraday BUY SELL Signals
MSBI
Price
$21.20
Change
-$0.13 (-0.61%)
Updated
Dec 26 closing price
Capitalization
456.9M
26 days until earnings call
Intraday BUY SELL Signals
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BOTJ vs MSBI

Header iconBOTJ vs MSBI Comparison
Open Charts BOTJ vs MSBIBanner chart's image
Bank of the James Financial Group
Price$18.21
Change-$0.47 (-2.52%)
Volume$448
Capitalization82.73M
Midland States Ban
Price$21.20
Change-$0.13 (-0.61%)
Volume$184.92K
Capitalization456.9M
BOTJ vs MSBI Comparison Chart in %
BOTJ
Daily Signal:
Gain/Loss:
MSBI
Daily Signal:
Gain/Loss:
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VS
BOTJ vs. MSBI commentary
Dec 27, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BOTJ is a StrongBuy and MSBI is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (BOTJ: $18.21 vs. MSBI: $21.20)
Brand notoriety: BOTJ and MSBI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BOTJ: 13% vs. MSBI: 92%
Market capitalization -- BOTJ: $82.73M vs. MSBI: $456.9M
BOTJ [@Regional Banks] is valued at $82.73M. MSBI’s [@Regional Banks] market capitalization is $456.9M. The market cap for tickers in the [@Regional Banks] industry ranges from $170.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.63B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BOTJ’s FA Score shows that 1 FA rating(s) are green whileMSBI’s FA Score has 1 green FA rating(s).

  • BOTJ’s FA Score: 1 green, 4 red.
  • MSBI’s FA Score: 1 green, 4 red.
According to our system of comparison, BOTJ is a better buy in the long-term than MSBI.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BOTJ’s TA Score shows that 2 TA indicator(s) are bullish while MSBI’s TA Score has 6 bullish TA indicator(s).

  • BOTJ’s TA Score: 2 bullish, 6 bearish.
  • MSBI’s TA Score: 6 bullish, 5 bearish.
According to our system of comparison, MSBI is a better buy in the short-term than BOTJ.

Price Growth

BOTJ (@Regional Banks) experienced а +1.17% price change this week, while MSBI (@Regional Banks) price change was -1.76% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.29%. For the same industry, the average monthly price growth was +3.93%, and the average quarterly price growth was +15.53%.

Reported Earning Dates

MSBI is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (-0.29% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
MSBI($457M) has a higher market cap than BOTJ($82.7M). MSBI has higher P/E ratio than BOTJ: MSBI (12.91) vs BOTJ (10.41). BOTJ YTD gains are higher at: 17.240 vs. MSBI (-8.591). BOTJ has less debt than MSBI: BOTJ (8.84M) vs MSBI (547M). MSBI has higher revenues than BOTJ: MSBI (321M) vs BOTJ (46.4M).
BOTJMSBIBOTJ / MSBI
Capitalization82.7M457M18%
EBITDAN/AN/A-
Gain YTD17.240-8.591-201%
P/E Ratio10.4112.9181%
Revenue46.4M321M14%
Total CashN/AN/A-
Total Debt8.84M547M2%
FUNDAMENTALS RATINGS
BOTJ vs MSBI: Fundamental Ratings
BOTJ
MSBI
OUTLOOK RATING
1..100
2024
VALUATION
overvalued / fair valued / undervalued
1..100
36
Fair valued
35
Fair valued
PROFIT vs RISK RATING
1..100
4658
SMR RATING
1..100
5691
PRICE GROWTH RATING
1..100
4240
P/E GROWTH RATING
1..100
2424
SEASONALITY SCORE
1..100
50n/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

MSBI's Valuation (35) in the Regional Banks industry is in the same range as BOTJ (36). This means that MSBI’s stock grew similarly to BOTJ’s over the last 12 months.

BOTJ's Profit vs Risk Rating (46) in the Regional Banks industry is in the same range as MSBI (58). This means that BOTJ’s stock grew similarly to MSBI’s over the last 12 months.

BOTJ's SMR Rating (56) in the Regional Banks industry is somewhat better than the same rating for MSBI (91). This means that BOTJ’s stock grew somewhat faster than MSBI’s over the last 12 months.

MSBI's Price Growth Rating (40) in the Regional Banks industry is in the same range as BOTJ (42). This means that MSBI’s stock grew similarly to BOTJ’s over the last 12 months.

MSBI's P/E Growth Rating (24) in the Regional Banks industry is in the same range as BOTJ (24). This means that MSBI’s stock grew similarly to BOTJ’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BOTJMSBI
RSI
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
78%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
79%
Momentum
ODDS (%)
Bearish Trend 2 days ago
61%
Bullish Trend 2 days ago
63%
MACD
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
71%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
67%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
65%
Bullish Trend 2 days ago
51%
Advances
ODDS (%)
Bullish Trend 4 days ago
69%
Bullish Trend 10 days ago
56%
Declines
ODDS (%)
Bearish Trend 9 days ago
65%
Bearish Trend 2 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
64%
Aroon
ODDS (%)
Bullish Trend 2 days ago
59%
Bullish Trend 2 days ago
42%
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BOTJ
Daily Signal:
Gain/Loss:
MSBI
Daily Signal:
Gain/Loss:
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BOTJ and

Correlation & Price change

A.I.dvisor tells us that BOTJ and SBNY have been poorly correlated (+28% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that BOTJ and SBNY's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BOTJ
1D Price
Change %
BOTJ100%
-2.52%
SBNY - BOTJ
28%
Poorly correlated
-11.11%
SQCF - BOTJ
26%
Poorly correlated
N/A
DNSKF - BOTJ
25%
Poorly correlated
N/A
MSBI - BOTJ
25%
Poorly correlated
-0.61%
MCBI - BOTJ
25%
Poorly correlated
-0.43%
More

MSBI and

Correlation & Price change

A.I.dvisor indicates that over the last year, MSBI has been loosely correlated with FMBH. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if MSBI jumps, then FMBH could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MSBI
1D Price
Change %
MSBI100%
-0.61%
FMBH - MSBI
62%
Loosely correlated
-0.30%
OCFC - MSBI
62%
Loosely correlated
+0.20%
BUSE - MSBI
61%
Loosely correlated
+0.08%
CHCO - MSBI
60%
Loosely correlated
-0.25%
TCBK - MSBI
60%
Loosely correlated
-0.21%
More