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Bank of the James Financial Group, Inc (BOTJ)
Price$22.95
Value ScoreB
Growth ScoreC
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)27.00%
Price vs S&P 500 (4W)-1.62%
VGM Score57.11
Market Capitalization$104.27M
P/E Ratio (Annual)11.56x
Indicated Dividend Yield (Annual)1.74%
All Metrics
P/CF (Annual)12.25x
Book Value / Share (Quarterly)$17.89
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)15.56%
Net Profit Margin (TTM)19.86%
EPS (TTM)$2.41
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$2.41
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)9.52x
Revenue Growth QoQ (YoY)20.76%
EPS Growth (5Y)13.77%
P/E Normalized (Annual)11.56x
ROA (Last FY)0.87%
Revenue Growth TTM (YoY)25.14%
EBITD / Share (TTM)$2.95
ROE (5Y Avg)13.36%
Cash Flow / Share (Annual)$1.31
P/B Ratio1.28x
P/B Ratio (Quarterly)1.15x
Net Income / Employee (Annual)$55,700
ROA (TTM)1.06%
EPS Growth QoQ (YoY)229.52%
EV / EBITDA (TTM)8.05x
EPS Incl Extra (Annual)$1.99
3-Month Avg Trading Volume0.01M
52-Week Price Return-13.65%
EV / Free Cash Flow (Annual)18.96x
P/E Incl Extra (TTM)9.52x
Tangible BV / Share (Quarterly)$16.56
P/S Ratio (Annual)1.06x
52-Week High$29.79
EPS Excl Extra (Annual)$1.99
CapEx CAGR (5Y)-10.34%
Tangible BV CAGR (5Y)20.32%
26-Week Price Return34.92%
13-Week Price Return15.62%
Total Debt / Equity (Annual)0.11x
Enterprise Value$113.00M
Revenue / Share Growth (5Y)11.63%
Book Value / Share Growth (5Y)4.86%
Revenue / Employee (Annual)$267,582,600,000
Pretax Margin (Annual)25.87%
Cash / Share (Annual)$6.49
3-Month Return Std Dev23.77%
Net Income / Employee (TTM)$67,600
EBITDA CAGR (5Y)16.56%
EBITDA Interim CAGR (5Y)12.04%
ROE (Last FY)11.27%
EPS Basic Excl Extra (Annual)$1.99
P/FCF (TTM)12.17x
EV / Free Cash Flow (TTM)13.19x
Total Debt / Equity (Quarterly)0.11x
EPS Incl Extra (TTM)$2.41
ROI (TTM)12.69%
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)9.52x
EPS Growth TTM (YoY)65.90%
Year-to-Date Return23.52%
5-Day Price Return1.28%
EPS Normalized (Annual)$1.99
ROA (5Y Avg)0.86%
Net Profit Margin (Annual)20.86%
Month-to-Date Return0.09%
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)9.25x
ROI (5Y Avg)9.99%
P/E Excl Extra (TTM)9.52x
LT Debt / Equity (Quarterly)0.00x
EPS Basic Excl Extra (TTM)$2.41
P/TBV (Quarterly)1.24x
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)7.36%
Net Margin Growth (5Y)6.91%
Dividend Yield (TTM)1.74%
Beta0.19x
P/FCF (Annual)17.50x
Revenue / Share (TTM)$9.39
ROE (TTM)14.13%
52-Week Low$13.00
vGradeB
gGradeC
mGradeC
vgmGradeC
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Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
BOTJBank of the James Financial Group, Inc | B | C | C | $22.95 |
| BNSBank of Nova Scotia | C | C | B | $80.56 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.54 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $31.51 |
| FITBFifth Third Bancorp | D | C | B | $52.01 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | B | $25.73 |
| 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 | D | C | B | $26.02 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | B | $18.36 |
| STTState Street Corporation | C | C | A | $161.75 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | A | D | F | $3.36 |
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.