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Last Update: 2024-12-27 15:28:10
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) https://www.bankofthejames.bank
15.88USD
Sector:
Financial Services
Industry:
Banks-Regional
Country:
United States
1y
3y
5y
10y
Historical Returns*:
SPY
27.80%
BOTJ
32.90%
SPY
32.66%
BOTJ
12.80%
SPY
108.59%
BOTJ
34.08%
SPY
302.52%
BOTJ
141.16%
*Assumes dividends reinvested
Market Stats:
Market Capitalization($MM)
Enterprise Value($MM)
Daily Volume(MM)
72.15
59.50
0.00
Valuation Metrics:
Price/Earnings Ratio
Price/Sales Ratio
Price/Book Value
FCF Yield(%)
Dividend Yield(%)
EV/EBITDA
8.55
1.24
1.05
7.58
2.52
4.98
Profitability Stats:
Operating Margin %(ttm)
Gross Profit %(ttm)
EBITDA Margin %(ttm)
16.01
100.00
20.00
Shareholder Value Creation:
Cost of Capital %(est)
ROIC %(ttm)
ROCE %(ttm)
Beta
7.3744
2.45
1.74
0.83
Other Earnings and Cash Flow Stats:
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Net Income TTM ($MM) is 8.43
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Operating Income TTM ($MM) is 22.03
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Owners' Earnings Annual ($MM) is 0.00
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Current Price to Owners' Earnings ratio is 0.00
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) EBITDA TTM ($MM) is 23.47
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) EBITDA Margin is 20.00%
Capital Allocation:
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) has paid 0.40 dividends per share and bought back 0.0 million shares in the past 12 months
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) has reduced its debt by 30.096 million USD in the last 12 months
Capital Structure:
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Interest-bearing Debt ($MM) as of last quarter is 10
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Annual Working Capital Investments ($MM) are 2
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Book Value ($MM) as of last quarter is 68
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Debt/Capital as of last quarter is 14%
Other Balance Sheet Stats:
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) has 22 million in cash on hand as of last quarter
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) has 133 million of liabilities due within 12 months, and long term debt 19 as of last quarter
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) has 4 common shares outstanding as of last quarter
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) has 0 million USD of preferred stock value
Academic Scores:
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Altman Z-Score is 0.17 as of last quarter
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) Piotroski Score is 5.00 as of last quarter
Corporate Governance:
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) largest shareholder is Vanguard Group Inc owning 192585 shares at 3.06 ($MM) value
William C Bryant III(an insider) Bought 955 shares of BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) for the amount of $11259.45 on 2024-02-16
15.42% of BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) is held by insiders, and 22.15% is held by institutions
BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) went public on 2000-08-10
Other BANK OF THE JAMES FINANCIAL GROUP INC ( BOTJ ) financial metrics:
FCF:3.75
Unlevered Free Cash Flow:0.00
EPS:1.75
Operating Margin:16.01
Gross Profit Margin:100.00
Div. Payout Ratio%:21.55
Div. Growth YoY%:25.00
Equity Return%:11.56
Beta:0.83
Buffet's Owners Earnings:0.00
Price to Owner's Earnings:0.00
About BANK OF THE JAMES FINANCIAL GROUP INC ( 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 offers 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 provides 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 offers 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 1998 and is headquartered in Lynchburg, Virginia.
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