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Bank of the James Financial Group, Inc (BOTJ)
Price$23.35
Favorite Metrics
Price vs S&P 500 (26W)36.97%
Price vs S&P 500 (4W)5.94%
Market Capitalization$105.91M
P/E Ratio (Annual)11.74x
Indicated Dividend Yield (Annual)1.73%
All Metrics
P/CF (Annual)12.45x
Book Value / Share (Quarterly)$17.62
P/TBV (Annual)1.14x
Indicated Dividend (Annual)$0.40
Revenue Growth (3Y)2.23%
Cash Flow / Share (Quarterly)$1.89
Payout Ratio (TTM)25.41%
Price vs S&P 500 (YTD)20.43%
Net Profit Margin (TTM)19.86%
EPS (TTM)$1.99
10-Day Avg Trading Volume0.02M
EPS Excl Extra (TTM)$1.99
Revenue Growth (5Y)6.12%
EPS (Annual)$1.99
Dividend / Share (Annual)$0.40
ROI (Annual)10.15%
Net Profit Margin (5Y Avg)18.27%
Cash / Share (Quarterly)$4.43
P/E Basic Excl Extra (TTM)11.74x
Revenue Growth QoQ (YoY)20.76%
EPS Growth (5Y)13.77%
P/E Normalized (Annual)11.74x
ROA (Last FY)0.87%
Revenue Growth TTM (YoY)25.14%
EBITD / Share (TTM)$2.60
ROE (5Y Avg)13.36%
Cash Flow / Share (Annual)$1.31
P/B Ratio1.32x
P/B Ratio (Quarterly)1.05x
Net Income / Employee (Annual)$0
ROA (TTM)0.89%
EPS Growth QoQ (YoY)67.97%
EV / EBITDA (TTM)9.72x
EPS Incl Extra (Annual)$1.99
3-Month Avg Trading Volume0.01M
52-Week Price Return-13.65%
EV / Free Cash Flow (Annual)19.25x
P/E Incl Extra (TTM)11.74x
Tangible BV / Share (Quarterly)$16.26
P/S Ratio (Annual)1.06x
52-Week High$23.45
EPS Excl Extra (Annual)$1.99
CapEx CAGR (5Y)-10.34%
Tangible BV CAGR (5Y)20.32%
26-Week Price Return45.71%
13-Week Price Return24.52%
Total Debt / Equity (Annual)0.11x
Enterprise Value$114.701
Revenue / Share Growth (5Y)11.63%
Book Value / Share Growth (5Y)4.86%
Revenue / Employee (Annual)$267,583
Pretax Margin (Annual)25.87%
Cash / Share (Annual)$6.49
3-Month Return Std Dev30.45%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)6.30%
EBITDA Interim CAGR (5Y)5.82%
ROE (Last FY)11.27%
EPS Basic Excl Extra (Annual)$1.99
P/FCF (TTM)12.36x
EV / Free Cash Flow (TTM)13.39x
Total Debt / Equity (Quarterly)0.11x
EPS Incl Extra (TTM)$1.99
ROI (TTM)10.52%
Dividend Growth Rate (5Y)9.32%
P/S Ratio (TTM)1.06x
Pretax Margin (5Y Avg)22.71%
Revenue / Share (Annual)$9.14
Tangible BV / Share (Annual)$16.26
Free OCF CAGR (5Y)38.01%
Price vs S&P 500 (52W)-23.73%
P/E Ratio (TTM)11.74x
EPS Growth TTM (YoY)13.50%
Year-to-Date Return24.38%
5-Day Price Return6.25%
EPS Normalized (Annual)$1.99
ROA (5Y Avg)0.86%
Net Profit Margin (Annual)20.86%
Month-to-Date Return12.18%
Cash Flow / Share (TTM)$1.91
EBITD / Share (Annual)$2.45
EPS Growth (3Y)1.37%
LT Debt / Equity (Annual)0.00x
P/CF (TTM)9.39x
ROI (5Y Avg)9.99%
P/E Excl Extra (TTM)11.74x
LT Debt / Equity (Quarterly)0.00x
EPS Basic Excl Extra (TTM)$1.99
P/TBV (Quarterly)1.14x
Payout Ratio (Annual)22.89%
P/B Ratio (Annual)1.05x
Dividend / Share (TTM)$0.40
Pretax Margin (TTM)24.67%
Book Value / Share (Annual)$17.62
Price vs S&P 500 (13W)21.65%
Net Margin Growth (5Y)6.91%
Dividend Yield (TTM)1.72%
Beta0.18x
P/FCF (Annual)17.77x
Revenue / Share (TTM)$9.39
ROE (TTM)12.15%
52-Week Low$13.00
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
BOTJBank of the James Financial Group, Inc | 1.05x | 12.15% | 0.89% | — | $23.35 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.28 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $76.78 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $135.37 |
FITBFifth Third Bancorp | 1.23x | 8.86% | 0.93% | — | $50.98 |
FITBIFifth Third Bancorp Depositary Shares | 1.23x | 8.86% | 0.93% | — | $25.31 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.23x | 8.86% | 0.93% | — | $25.88 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.23x | 8.86% | 0.93% | — | $19.50 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.23x | 8.86% | 0.93% | — | $24.18 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.19 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.73 |
About
Bank of the James Financial Group is a bank holding company offering retail and commercial banking services through three main segments: community banking, mortgage banking, and investment advisory services. The company provides a full range of deposit products including checking and savings accounts and certificates of deposit, along with consumer lending options such as personal loans, auto loans, and home equity loans.