Bank of Botetourt

BORT

Banks - Regional · Financial Services

Price

$53.30

+0.00 (+0.00%)

Market Cap

$105.2M

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+2.3% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 1.9M (2021) → 2.0M (2025)

Bank of Botetourt is a small community bank based in Virginia. It offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small businesses in rural and small-town Virginia communities. It has operated in the Botetourt County region for over 150 years, making it one of the oldest community banks in the state.

The bank earns money primarily through the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It operates exclusively in Virginia, with a small network of branches serving local communities, and its main competitive advantage is deep local relationships and community trust built over generations. The biggest risk it faces is its small size and geographic concentration, which leaves it vulnerable to local economic downturns and increasing competition from larger regional banks and digital banking platforms.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+73.8% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+53.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

6.2%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$12M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Bank of Botetourt grew revenue 74% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

69.5%

Premium pricing power — 69.5% gross margin

Operating Margin

26.9%

Excellent — 26.9% operating margin

ROCE

4.0%

Weak — 4.0% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+16.3%

Fast-growing sales (16.3% YoY)

EPS YoY

+49.5%

Earnings growing fast (49.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

1.46x

Dangerous — barely covers interest (1.5x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

9.2x

Attractive valuation — P/E 9.2

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

1.82%

Small dividend — 1.82% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+11.8%

Dividend growing fast (11.8% YoY)

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